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Community Bancorp of Santa Maria (CYSM)

USD22.15 +0.00 (+0.00%)
US OTC Financial Services Banks - Regional
Address 2739 Santa Maria Way 93455
Santa Maria, CA, US
CEO Janet Silveria
IPO 2007-05-01
ISIN US20344R1032

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Description

Community Bancorp of Santa Maria, operating through its subsidiary, Community Bank of Santa Maria, offers a comprehensive suite of banking services to both businesses and individual clients. The institution's diverse range of deposit products includes checking, NOW, money market, savings, seedling, Christmas Club, and individual retirement accounts, as well as CDARS and certificates of deposit. Its robust lending portfolio features home equity lines of credit, various real estate loans (personal, commercial, multi-family, and construction), personal and vehicle loans, mortgage options, agribusiness financing, commercial equipment loans, and commercial revolving lines of credit, in addition to its Redi-Credit service. Furthermore, the bank provides credit and debit cards, along with convenient e-banking facilities. The company conducts its operations from two full-service branches located in California's Central Coast region. Established in 2001, its main office is situated in Santa Maria, California.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD22.15 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
3.0K
Beta
0.07
Float Shares
1.93M
Free Float %
89.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.82% -6.54% +2.43% +26.67% +7.16% +36.79% +96.08% +58.33% +145.16% +270.37%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
22.15
DCF (Unlevered) 36.77 +66.0%
DCF (Levered) 41.05 +85.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.28
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +11.1% Q1'26: +10.1% (vs Q1'25)
  • EPS growth
    +24.5% Q1'26: +32.4% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +25.6% (vs Q1'25)
  • ROIC
    Q1'26: +9.9% (vs Q1'25)
  • Share dilution
    -0.1% Q1'26: -4.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 1.47× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.09) × ERP
WACC = 90% × Ke + 10% × Kd (78.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 36.77 Current price: 22.15
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-28 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-26 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-22 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-21 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-20 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-19 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-18 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-15 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-05-14 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-05-13 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-12 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-05 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-05-01 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-28 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-24 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.77M
OE per share TTM
1.13
Owner's Yield
4.43%
Maintenance CapEx ratio
131.74%
Maint CapEx / Avg PPE
29.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
98.7K
Shares Outstanding
2.16M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Janet Silveria President, Chief Executive Officer & Chairman female
Lisa R. Canale Executive Vice President & Chief Credit Officer female
Natalie Barragan Executive Vice President & Chief Administration Officer
Todd Norman Executive Vice President & Chief Financial Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits