CMUV Bancorp
CMUV Bancorp operates as the bank holding company for Community Valley Bank that provides financial services to individuals and businesses in California. The company offers origination of commercial, mortgage, and consumer loans and receipt of deposits from customers, and investment products. It also provides construction and land development, commercial real estate and other, commercial and indu… Read more
CMUV Bancorp (CMUV) - Net Assets
Latest net assets as of March 2025: $31.12 Million USD
Based on the latest financial reports, CMUV Bancorp (CMUV) has net assets worth $31.12 Million USD as of March 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($320.64 Million) and total liabilities ($289.52 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $31.12 Million |
| % of Total Assets | 9.7% |
| Annual Growth Rate | -2.87% |
| 5-Year Change | 19.69% |
| 10-Year Change | 152.8% |
| Growth Volatility | 23.87 |
CMUV Bancorp - Net Assets Trend (2007–2024)
This chart illustrates how CMUV Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for CMUV Bancorp (2007–2024)
The table below shows the annual net assets of CMUV Bancorp from 2007 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $31.07 Million | +8.57% |
| 2023-12-31 | $28.62 Million | +4.45% |
| 2022-12-31 | $27.40 Million | +12.69% |
| 2021-12-31 | $24.31 Million | -6.35% |
| 2020-12-31 | $25.96 Million | +37.54% |
| 2017-12-31 | $18.87 Million | +9.45% |
| 2016-12-31 | $17.24 Million | +10.29% |
| 2015-12-31 | $15.64 Million | +13.51% |
| 2014-12-31 | $13.78 Million | +12.08% |
| 2013-12-31 | $12.29 Million | -22.95% |
| 2009-12-31 | $15.95 Million | -60.26% |
| 2008-12-31 | $40.14 Million | -21.26% |
| 2007-12-31 | $50.97 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to CMUV Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 50.2% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $20.66 Million | 66.50% |
| Other Components | $10.41 Million | 33.50% |
| Total Equity | $31.07 Million | 100.00% |
CMUV Bancorp Competitors by Market Cap
The table below lists competitors of CMUV Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
TVS Electronics Limited
NSE:TVSELECT
|
$29.19 Million |
|
Fermentalg S.A.
LSE:0QTJ
|
$29.19 Million |
|
MAAT PHARMA S.A. EO-1
F:4RD
|
$29.19 Million |
|
Fjord Defence Group ASA
OL:DFENS
|
$29.21 Million |
|
AtlasClear Holdings, Inc.
NYSE MKT:ATCH
|
$29.16 Million |
|
PT Lovina Beach Brewery Tbk
JK:STRK
|
$29.15 Million |
|
Eureka Acquisition Corp Unit
NASDAQ:EURKU
|
$29.15 Million |
|
Culp, Inc. Common Stock
NYSE:CULP
|
$29.15 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in CMUV Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 28,615,923 to 31,069,284, a change of 2,453,361 (8.6%).
- Net income of 3,765,941 contributed positively to equity growth.
- Dividend payments of 829,909 reduced retained earnings.
- Share repurchases of 730,000 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.77 Million | +12.12% |
| Dividends Paid | $829.91K | -2.67% |
| Share Repurchases | $730.00K | -2.35% |
| Other Changes | $247.33K | +0.8% |
| Total Change | $- | 8.57% |
Book Value vs Market Value Analysis
This analysis compares CMUV Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.20x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | $0.00 | $21.30 | x |
| 2015-12-31 | $0.00 | $21.30 | x |
| 2016-12-31 | $0.00 | $21.30 | x |
| 2017-12-31 | $0.00 | $21.30 | x |
| 2021-12-31 | $13.21 | $21.30 | x |
| 2022-12-31 | $14.73 | $21.30 | x |
| 2023-12-31 | $16.15 | $21.30 | x |
| 2024-12-31 | $17.79 | $21.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently CMUV Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.12%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.38%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.03x
- Recent ROE (12.12%) is above the historical average (-2.22%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 12.67% | 12.49% | 0.09x | 11.39x | $1.36 Million |
| 2008 | 6.82% | 5.92% | 0.08x | 14.83x | $-1.27 Million |
| 2009 | -172.44% | -67.70% | 0.08x | 33.76x | $-29.10 Million |
| 2013 | 12.51% | 24.78% | 0.04x | 11.87x | $248.38K |
| 2014 | 16.42% | 42.12% | 0.04x | 10.15x | $769.59K |
| 2015 | 7.26% | 18.85% | 0.04x | 8.68x | $-428.98K |
| 2016 | 8.76% | 21.19% | 0.05x | 8.84x | $-214.21K |
| 2017 | 7.62% | 18.94% | 0.05x | 8.68x | $-448.79K |
| 2020 | 12.82% | 31.76% | 0.04x | 10.00x | $732.61K |
| 2021 | 20.85% | 38.38% | 0.05x | 11.40x | $2.64 Million |
| 2022 | 13.48% | 31.48% | 0.04x | 10.13x | $952.59K |
| 2023 | 12.25% | 28.39% | 0.04x | 10.38x | $644.12K |
| 2024 | 12.12% | 28.38% | 0.04x | 10.03x | $659.01K |
Industry Comparison
This section compares CMUV Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| CMUV Bancorp (CMUV) | $31.12 Million | 12.67% | 9.30x | $29.18 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |