Cashmere Valley Bank
Cashmere Valley Bank, a state chartered bank, provides banking products and services to small and middle-market businesses, and retail customers. The company offers checking and savings accounts; personal, auto, boat, RV, home equity, and mortgages loans; home purchase, refinance, and construction loans; and commercial real estate, commercial, and small business administration loans, as well as o… Read more
Cashmere Valley Bank (CSHX) - Net Assets
Latest net assets as of June 2025: $249.31 Million USD
Based on the latest financial reports, Cashmere Valley Bank (CSHX) has net assets worth $249.31 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.19 Billion) and total liabilities ($1.94 Billion). 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 | $249.31 Million |
| % of Total Assets | 11.38% |
| Annual Growth Rate | 4.03% |
| 5-Year Change | -1.27% |
| 10-Year Change | N/A |
| Growth Volatility | 15.77 |
Cashmere Valley Bank - Net Assets Trend (2014–2023)
This chart illustrates how Cashmere Valley Bank's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Cashmere Valley Bank (2014–2023)
The table below shows the annual net assets of Cashmere Valley Bank from 2014 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $202.80 Million | +28.04% |
| 2022-12-31 | $158.39 Million | -33.75% |
| 2021-12-31 | $239.10 Million | +0.18% |
| 2020-12-31 | $238.68 Million | +16.20% |
| 2019-12-31 | $205.40 Million | +9.55% |
| 2018-12-31 | $187.50 Million | +3.90% |
| 2017-12-31 | $180.46 Million | +8.79% |
| 2016-12-31 | $165.88 Million | +6.78% |
| 2015-12-31 | $155.34 Million | +9.34% |
| 2014-12-31 | $142.07 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Cashmere Valley Bank'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 grown by 107.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $280.09 Million | 138.40% |
| Total Equity | $202.38 Million | 100.00% |
Cashmere Valley Bank Competitors by Market Cap
The table below lists competitors of Cashmere Valley Bank ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Neutra Corp
PINK:NTRR
|
$579.75K |
|
Primotec Group Ltd
TA:PRMG
|
$579.75K |
|
KONE -B-
BE:KC4
|
$579.81K |
|
CO2 Energy Transition Corp. Warrant
NASDAQ:NOEMW
|
$579.97K |
|
MYNARIC AG SP.ADS/025
F:M0YA
|
$579.40K |
|
Queenco-L
TA:QNCO
|
$579.36K |
|
Gomero Group AB (Publ)
F:EO8
|
$578.64K |
|
Incentiapay Ltd
AU:INP
|
$578.01K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Cashmere Valley Bank's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 158,356,000 to 202,378,000, a change of 44,022,000 (27.8%).
- Net income of 27,982,000 contributed positively to equity growth.
- Dividend payments of 6,603,000 reduced retained earnings.
- Other factors increased equity by 22,643,000.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $27.98 Million | +13.83% |
| Dividends Paid | $6.60 Million | -3.26% |
| Other Changes | $22.64 Million | +11.19% |
| Total Change | $- | 27.80% |
Book Value vs Market Value Analysis
This analysis compares Cashmere Valley Bank'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 |
|---|---|---|---|
| 2015-12-31 | $0.00 | $62.50 | x |
| 2016-12-31 | $0.00 | $62.50 | x |
| 2017-12-31 | $43.90 | $62.50 | x |
| 2018-12-31 | $45.54 | $62.50 | x |
| 2019-12-31 | $51.78 | $62.50 | x |
| 2020-12-31 | $60.09 | $62.50 | x |
| 2021-12-31 | $61.61 | $62.50 | x |
| 2022-12-31 | $40.77 | $62.50 | x |
| 2023-12-31 | $52.11 | $62.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Cashmere Valley Bank 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): 13.83%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 35.00%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 10.09x
- Recent ROE (13.83%) is above the historical average (11.88%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 11.12% | 35.68% | 0.03x | 9.32x | $1.59 Million |
| 2015 | 10.79% | 35.95% | 0.03x | 8.89x | $1.23 Million |
| 2016 | 10.56% | 37.26% | 0.03x | 8.77x | $936.10K |
| 2017 | 10.20% | 35.66% | 0.03x | 8.40x | $362.20K |
| 2018 | 11.62% | 38.21% | 0.04x | 8.11x | $3.04 Million |
| 2019 | 11.39% | 37.59% | 0.04x | 8.04x | $2.86 Million |
| 2020 | 10.69% | 37.67% | 0.03x | 8.36x | $1.65 Million |
| 2021 | 12.14% | 39.96% | 0.03x | 9.30x | $5.12 Million |
| 2022 | 16.42% | 35.36% | 0.04x | 13.18x | $10.16 Million |
| 2023 | 13.83% | 35.00% | 0.04x | 10.09x | $7.74 Million |
Industry Comparison
This section compares Cashmere Valley Bank'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 |
|---|---|---|---|---|
| Cashmere Valley Bank (CSHX) | $249.31 Million | 11.12% | 7.79x | $579.56K |
| 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 |