CSHX

Cashmere Valley Bank

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Price alert · CSHX

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90.95 USD 0.00 0.00%
As of Oct 30, 2026
89.26 Day range 90.95
66.50 52-week range 97.00
YTD
+22.84%
1 year
+33.95%
Open
89.75
Prev close
90.95
Mkt cap
330.67M
Vol
3.40K
Avg vol
1.66K
EPS
7.24
P/E
12.56
More statistics
Low
89.26
High
90.95

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Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 3
  • P/B 2

Valuation

P/E 9.9×
FY 2016: 11.0×FY 2017: 12.9×FY 2018: 10.2×FY 2019: 11.1×FY 2020: 8.2×FY 2021: 9.6×FY 2022: 6.7×FY 2023: 7.1×FY 2024: 8.1×FY 2025: 9.9×
FY 2016 5y median 8.1× FY 2025
P/S 2.4×
FY 2016: 3.8×FY 2017: 4.2×FY 2018: 3.6×FY 2019: 3.7×FY 2020: 2.8×FY 2021: 3.6×FY 2022: 2.2×FY 2023: 2.1×FY 2024: 2.8×FY 2025: 2.4×
FY 2016 5y median 2.4× FY 2025
P/B 1.1×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 8.2×
FY 2016: 7.7×FY 2017: 10.0×FY 2018: 7.4×FY 2019: 8.8×FY 2020: 6.9×FY 2021: 7.6×FY 2022: 3.9×FY 2023: 5.6×FY 2024: 6.1×FY 2025: 8.2×
FY 2016 5y median 6.1× FY 2025
EV/EBITDA 3.2×
FY 2016: 3.9×FY 2017: 7.9×FY 2018: 6.9×FY 2019: 4.4×FY 2020: 3.1×FY 2021: 6.5×FY 2022: 0.6×FY 2023: 3.6×FY 2024: 1.2×FY 2025: 3.2×
FY 2016 5y median 3.2× FY 2025
EV/Sales 1.0×
FY 2016: 1.8×FY 2017: 3.5×FY 2018: 3.0×FY 2019: 1.9×FY 2020: 1.3×FY 2021: 3.1×FY 2022: 0.3×FY 2023: 1.4×FY 2024: 0.5×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
FCF Yield 12.2%
FY 2016: 13.0%FY 2017: 10.0%FY 2018: 13.5%FY 2019: 11.3%FY 2020: 14.4%FY 2021: 13.2%FY 2022: 25.6%FY 2023: 17.7%FY 2024: 16.4%FY 2025: 12.2%
FY 2016 5y median 16.4% FY 2025

Profitability

Gross Margin 71.4%
FY 2016: 92.7%FY 2017: 91.8%FY 2018: 90.1%FY 2019: 88.4%FY 2020: 86.5%FY 2021: 93.3%FY 2022: 93.3%FY 2023: 79.8%FY 2024: 100.0%FY 2025: 71.4%
FY 2016 5y median 93.3% FY 2025
Operating Margin 29.6%
FY 2016: 42.9%FY 2017: 40.8%FY 2018: 39.4%FY 2019: 39.2%FY 2020: 39.6%FY 2021: 43.7%FY 2022: 38.3%FY 2023: 35.5%FY 2024: 52.4%FY 2025: 29.6%
FY 2016 5y median 38.3% FY 2025
Net Margin 23.9%
FY 2016: 34.0%FY 2017: 32.7%FY 2018: 35.1%FY 2019: 33.6%FY 2020: 34.2%FY 2021: 37.3%FY 2022: 33.4%FY 2023: 29.0%FY 2024: 34.4%FY 2025: 23.9%
FY 2016 5y median 33.4% FY 2025
ROE 10.8%
FY 2016: 10.6%FY 2017: 10.2%FY 2018: 11.6%FY 2019: 11.4%FY 2020: 10.7%FY 2021: 12.1%FY 2022: 16.4%FY 2023: 13.8%FY 2024: 12.2%FY 2025: 10.8%
FY 2016 5y median 12.2% FY 2025
ROIC 8.0%
FY 2016: 9.5%FY 2017: 9.1%FY 2018: 10.6%FY 2019: 10.3%FY 2020: 1.4%FY 2021: 10.1%FY 2022: 13.9%FY 2023: 2.3%FY 2024: 3.2%FY 2025: 8.0%
FY 2016 5y median 8.0% FY 2025
ROA 1.3%
FY 2016: 1.2%FY 2017: 1.2%FY 2018: 1.4%FY 2019: 1.4%FY 2020: 1.3%FY 2021: 1.3%FY 2022: 1.2%FY 2023: 1.4%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 49.7%
FY 2016: -1.7%FY 2017: 9.1%FY 2018: 10.6%FY 2019: 12.0%FY 2020: 7.2%FY 2021: 4.2%FY 2022: 0.2%FY 2023: 23.8%FY 2024: -15.2%FY 2025: 49.7%
FY 2016 FY 2025
Operating Income -15.3%
FY 2016: 5.4%FY 2017: 3.9%FY 2018: 6.8%FY 2019: 11.4%FY 2020: 8.2%FY 2021: 15.0%FY 2022: -12.3%FY 2023: 14.9%FY 2024: 25.1%FY 2025: -15.3%
FY 2016 FY 2025
EPS (diluted) 3.0%
FY 2016: 4.1%FY 2017: 4.7%FY 2018: 17.9%FY 2019: 8.0%FY 2020: 12.8%FY 2021: 15.1%FY 2022: -9.5%FY 2023: 7.6%FY 2024: 0.6%FY 2025: 3.0%
FY 2016 FY 2025
Free Cash Flow -5.2%
FY 2016: 1.3%FY 2017: -5.2%FY 2018: 26.4%FY 2019: -2.3%FY 2020: 2.7%FY 2021: 22.4%FY 2022: 21.4%FY 2023: -21.4%FY 2024: 6.3%FY 2025: -5.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.0×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.0×FY 2021: 0.6×FY 2022: 0.4×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.3×FY 2022: 0.1×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -4.2×
FY 2016: -4.2×FY 2017: -1.6×FY 2018: -1.2×FY 2019: -4.2×FY 2020: -3.3×FY 2021: -0.9×FY 2022: -4.6×FY 2023: -1.7×FY 2024: -4.9×FY 2025: -4.2×
FY 2016 5y median -4.2× FY 2025
Interest Coverage 1.1×
FY 2016: 4.9×FY 2017: 5.0×FY 2018: 4.8×FY 2019: 3.7×FY 2020: 4.3×FY 2021: 6.6×FY 2022: 6.8×FY 2023: 2.1×FY 2024: 1.4×FY 2025: 1.1×
FY 2016 5y median 2.1× FY 2025

Dividends

Dividend Yield 2.5%
FY 2016: 2.1%FY 2017: 1.9%FY 2018: 5.0%FY 2019: 2.1%FY 2020: 6.5%FY 2021: 2.2%FY 2022: 3.8%FY 2023: 3.3%FY 2024: 2.9%FY 2025: 2.5%
FY 2016 5y median 2.9% FY 2025
Payout Ratio 24.7%
FY 2016: 22.8%FY 2017: 24.1%FY 2018: 51.0%FY 2019: 22.9%FY 2020: 52.9%FY 2021: 20.9%FY 2022: 25.4%FY 2023: 23.6%FY 2024: 23.5%FY 2025: 24.7%
FY 2016 5y median 23.6% FY 2025

Annual · latest fiscal year ends 2025-12-31