Head-to-head review: Central Valley Community Bancorp (NASDAQ:CVCY) vs. CNB Financial (NASDAQ:CCNE)

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Central Valley Community Bancorp (NASDAQ: CVCYGet a rating) and CNB Financial (NASDAQ: CCNEGet a rating) are both small-cap finance companies, but which business is superior? We’ll compare the two companies based on earnings strength, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Dividends

Central Valley Community Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 3.2%. CNB Financial pays an annual dividend of $0.70 per share and has a dividend yield of 2.9%. Central Valley Community Bancorp pays 21.6% of its profits as a dividend. CNB Financial pays 21.7% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Central Valley Community Bancorp has increased its dividend for 1 consecutive year and CNB Financial has increased its dividend for 1 consecutive year. Central Valley Community Bancorp is clearly the best dividend stock, given its higher yield and lower payout ratio.

Insider and Institutional Ownership

48.9% of the shares of Central Valley Community Bancorp are held by institutional investors. By comparison, 42.2% of CNB Financial’s shares are held by institutional investors. 15.1% of the shares of Central Valley Community Bancorp are held by insiders of the company. By comparison, 3.1% of CNB Financial shares are held by insiders of the company. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a stock will outperform the market over the long term.

Risk and Volatility

Central Valley Community Bancorp has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500. In comparison, CNB Financial has a beta of 0.9, indicating that its stock price is its stock is 10% less volatile than the S&P 500.

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of Central Valley Community Bancorp and CNB Financial.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Central Valley Community Bancorp $82.86 million 2.13 $28.40 million $2.22 6.83
CNB Financial $213.03 million 1.90 $57.71 million $3.22 7.47

CNB Financial has higher revenue and earnings than Central Valley Community Bancorp. Central Valley Community Bancorp is trading at a lower price-to-earnings ratio than CNB Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares the net margins, return on equity and return on assets of Central Valley Community Bancorp and CNB Financial.

Net margins Return on equity return on assets
Central Valley Community Bancorp 32.53% 11.53% 1.14%
CNB Financial 27.16% 15.62% 1.12%

Analyst Recommendations

This is a summary of current recommendations and price targets for Central Valley Community Bancorp and CNB Financial, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Central Valley Community Bancorp 0 1 0 0 2.00
CNB Financial 0 0 1 0 3.00

Central Valley Community Bancorp currently has a consensus price target of $24.00, indicating a potential upside of 58.31%. Given Central Valley Community Bancorp’s likely higher upside, stock analysts clearly believe that Central Valley Community Bancorp is more favorable than CNB Financial.

About Central Valley Community Bancorp (Get a rating)

Central Valley Community Bancorp operates as a bank holding company for Central Valley Community Bank which provides various commercial banking services to small and medium businesses and individuals in the Central Valley region of California. The company accepts demand, savings and term deposits; certificates of deposit; and non-interest bearing demand deposits, as well as NOW and money market accounts. Its lending products include commercial and industrial loans, as well as loans secured by agricultural production and livestock; owner-occupied and investor-occupied commercial real estate, building construction and other land, agricultural real estate and other real estate loans; and equity loans and lines of credit, and installment loans and other consumer loans. The company also offers domestic and international wire transfers, safe deposit boxes, internet banking and other usual banking services. As of December 31, 2021, the company operated through a network of 20 full-service banking offices in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento , Stockton and Visalia. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.

About CNB Financial (Get a rating)

CNB Financial LogoCNB Financial Corporation is the banking holding company of CNB Bank which provides a range of banking products and services to retail, business, government and institutional clients. The company accepts checking, savings and term deposit accounts; and offers real estate, commercial, industrial, residential and consumer loans, as well as various other specialized financial services. It also provides wealth and asset management services, including the administration of trusts and estates, pension plans and other employee benefit plans, as well as a range of wealth management services. . In addition, the Company invests in debt and equity securities; sells non-exclusive annuities and other insurance products; and low balance unsecured loans and secured loans primarily secured by automobiles and equipment. As of February 8, 2022, the company operated a private banking division; three loan production offices; a drive-up office; and 45 full-service offices in Pennsylvania, Ohio, New York and Virginia. CNB Financial Corporation was founded in 1865 and is headquartered in Clearfield, Pennsylvania.



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