Community Bancorp of Santa Maria
Community Bancorp of Santa Maria operates as the bank holding company for Community Bank of Santa Maria that provides various banking products and services for businesses and individuals. The company's deposit products include checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit. Its loan portfolio comprises… Read more
Community Bancorp of Santa Maria (CYSM) - Net Assets
Latest net assets as of June 2025: $34.47 Million USD
Based on the latest financial reports, Community Bancorp of Santa Maria (CYSM) has net assets worth $34.47 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 ($417.81 Million) and total liabilities ($383.34 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 | $34.47 Million |
| % of Total Assets | 8.25% |
| Annual Growth Rate | 4.33% |
| 5-Year Change | 13.73% |
| 10-Year Change | 44.24% |
| Growth Volatility | 12.53 |
Community Bancorp of Santa Maria - Net Assets Trend (2013–2023)
This chart illustrates how Community Bancorp of Santa Maria's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Community Bancorp of Santa Maria (2013–2023)
The table below shows the annual net assets of Community Bancorp of Santa Maria from 2013 to 2023.
| Year | Net Assets | Change |
|---|---|---|
| 2023-12-31 | $28.98 Million | +28.30% |
| 2022-12-31 | $22.59 Million | -23.82% |
| 2021-12-31 | $29.65 Million | +5.50% |
| 2020-12-31 | $28.11 Million | +10.30% |
| 2019-12-31 | $25.48 Million | -4.07% |
| 2018-12-31 | $26.56 Million | +14.06% |
| 2017-12-31 | $23.29 Million | +6.40% |
| 2016-12-31 | $21.89 Million | +4.73% |
| 2015-12-31 | $20.90 Million | +4.02% |
| 2014-12-31 | $20.09 Million | +5.94% |
| 2013-12-31 | $18.97 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Community Bancorp of Santa Maria'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 518.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2023)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $22.17 Million | 76.49% |
| Other Components | $6.81 Million | 23.51% |
| Total Equity | $28.98 Million | 100.00% |
Community Bancorp of Santa Maria Competitors by Market Cap
The table below lists competitors of Community Bancorp of Santa Maria ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Northeast Group Berhad
KLSE:0325
|
$25.41 Million |
|
Yi Shin Textile Industrial Co
TW:4440
|
$25.41 Million |
|
City Auto Corp
VN:CTF
|
$25.41 Million |
|
BEIJING ENTERPRIS.ENV.GR.
F:BJG
|
$25.41 Million |
|
Avadh Sugar & Energy Limited
NSE:AVADHSUGAR
|
$25.36 Million |
|
Duck Yang Ind
KO:024900
|
$25.35 Million |
|
Ascelia Pharma AB (publ)
ST:ACE
|
$25.35 Million |
|
Cuulong Fish JSC
VN:ACL
|
$25.35 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Community Bancorp of Santa Maria's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2022 to 2023, total equity changed from 22,589,000 to 28,981,000, a change of 6,392,000 (28.3%).
- Net income of 3,926,000 contributed positively to equity growth.
- Dividend payments of 542,000 reduced retained earnings.
- Other factors increased equity by 3,008,000.
Equity Change Factors (2022 to 2023)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $3.93 Million | +13.55% |
| Dividends Paid | $542.00K | -1.87% |
| Other Changes | $3.01 Million | +10.38% |
| Total Change | $- | 28.30% |
Book Value vs Market Value Analysis
This analysis compares Community Bancorp of Santa Maria'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: 0.94x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $0.00 | $12.61 | x |
| 2016-12-31 | $0.00 | $12.61 | x |
| 2017-12-31 | $9.49 | $12.61 | x |
| 2018-12-31 | $10.82 | $12.61 | x |
| 2019-12-31 | $11.81 | $12.61 | x |
| 2020-12-31 | $13.01 | $12.61 | x |
| 2021-12-31 | $13.72 | $12.61 | x |
| 2022-12-31 | $10.43 | $12.61 | x |
| 2023-12-31 | $13.37 | $12.61 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Community Bancorp of Santa Maria 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): 13.55%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.29%
- • Asset Turnover: 0.04x
- • Equity Multiplier: 13.52x
- Recent ROE (13.55%) is above the historical average (8.71%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 4.12% | 10.89% | 0.04x | 9.99x | $-1.12 Million |
| 2014 | 3.65% | 9.16% | 0.04x | 10.50x | $-1.28 Million |
| 2015 | 4.84% | 11.30% | 0.04x | 11.33x | $-1.08 Million |
| 2016 | 5.61% | 12.88% | 0.04x | 11.42x | $-961.41K |
| 2017 | 6.20% | 13.86% | 0.04x | 11.68x | $-885.90K |
| 2018 | 13.70% | 30.43% | 0.05x | 9.46x | $983.60K |
| 2019 | 10.72% | 22.75% | 0.05x | 10.34x | $182.70K |
| 2020 | 7.86% | 17.67% | 0.04x | 12.05x | $-601.70K |
| 2021 | 9.61% | 20.84% | 0.03x | 14.00x | $-115.20K |
| 2022 | 15.93% | 24.91% | 0.04x | 17.65x | $1.34 Million |
| 2023 | 13.55% | 25.29% | 0.04x | 13.52x | $1.03 Million |
Industry Comparison
This section compares Community Bancorp of Santa Maria'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 |
|---|---|---|---|---|
| Community Bancorp of Santa Maria (CYSM) | $34.47 Million | 4.12% | 11.12x | $25.37 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 |