Risk factor
Critical default risk
Profitability factor
Good growth
About
Cashmere Valley Bank, a state-chartered financial institution established in 1932 and headquartered in Cashmere, Washington, offers a comprehensive array of banking products and services. Its diverse clientele includes individual consumers, small to mid-sized enterprises, and local governmental bodies. For retail and commercial clients, the bank provides fundamental services like checking and savings accounts, alongside a variety of lending solutions. These encompass personal loans (for vehicles, boats, RVs, and home equity), mortgages, and a full suite of business financing options, including commercial real estate loans, general commercial loans, operating lines of credit, and Small Business Administration (SBA) loans. Further offerings extend to equipment financing, credit cards, wealth management, merchant processing, and treasury solutions. The bank also caters specifically to local municipalities, furnishing tailored banking services, privately-placed bonds and notes, municipal credit cards, and interim financing to support rural development initiatives. Beyond core financial offerings, Cashmere Valley Bank partners with brokers to provide access to insurance products such as property, casualty, life, and health coverage. To ensure convenient access, the company supports telephone, mobile, and online banking platforms, complete with bill payment functionalities. Serving communities throughout North Central Washington, the bank operates a network of 11 branches.
Company Valuation
Based on key historical and expected multiples, the stock is fairly valued relative to its peers. In particular, the stock is reasonably priced on P/E, of fair value on E