DDM Analysis: CVCY

Valuation Snapshot

Stable Growth	$14.40 - $21.40	$17.74
Multi-Stage	$26.90 - $29.59	$28.22
Blended Fair Value	$22.98
Current Price	$17.83
Upside	28.89%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	7.23%	14.16%	0.43	0.30	0.30	0.30	0.29	0.31	0.22	0.16	0.14	0.10
YoY Growth	-	-	45.48%	0.34%	-2.07%	4.10%	-4.74%	35.95%	41.86%	10.87%	37.19%	-9.63%
Dividend Yield	-	-	2.43%	1.50%	1.44%	1.30%	1.58%	2.34%	1.13%	0.81%	0.70%	0.94%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	33.89
(-) Cash Dividends Paid (M)	11.12
(=) Cash Retained (M)	22.78

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	6.78	4.24	2.54
Cash Retained (M)	22.78	22.78	22.78
(-) Cash Required (M)	-6.78	-4.24	-2.54
(=) Excess Retained (M)	16.00	18.54	20.23
(/) Shares Outstanding (M)	19.00	19.00	19.00
(=) Excess Retained per Share	0.84	0.98	1.06
LTM Dividend per Share	0.59	0.59	0.59
(+) Excess Retained per Share	0.84	0.98	1.06
(=) Adjusted Dividend	1.43	1.56	1.65
WACC / Discount Rate	7.71%	7.71%	7.71%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$14.40	$17.74	$21.40
Upside / Downside	-19.22%	-0.50%	20.03%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	33.89	33.55	33.22	32.89	32.56	32.23	33.20
Payout Ratio	32.80%	44.24%	55.68%	67.12%	78.56%	90.00%	92.50%
Projected Dividends (M)	11.12	14.85	18.50	22.07	25.58	29.01	30.71

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.71%	7.71%	7.71%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	13.64	13.78	13.92
Year 2 PV (M)	15.62	15.94	16.27
Year 3 PV (M)	17.14	17.67	18.21
Year 4 PV (M)	18.25	19.00	19.78
Year 5 PV (M)	19.02	20.01	21.04
PV of Terminal Value (M)	427.59	449.85	473.04
Equity Value (M)	511.26	536.26	562.26
Shares Outstanding (M)	19.00	19.00	19.00
Fair Value	$26.90	$28.22	$29.59
Upside / Downside	50.89%	58.27%	65.95%

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300130.SZ	XGD Inc.	1.44%	$0.40	65.84%
300194.SZ	Fuan Pharmaceutical (Group) Co., Ltd.	1.44%	$0.06	52.37%
301058.SZ	COFCO Technology & Industry Co., Ltd.	1.44%	$0.16	34.15%
3393.HK	Wasion Holdings Limited	1.44%	$0.26	17.68%
5536.TWO	Acter Group Corporation Limited	1.44%	$10.99	47.44%
600809.SS	Shanxi Xinghuacun Fen Wine Factory Co.,Ltd.	1.44%	$2.47	24.55%
6485.T	Maezawa Kyuso Industries Co.,Ltd.	1.44%	$22.77	15.91%
6506.T	YASKAWA Electric Corporation	1.44%	$68.32	30.92%
688092.SS	Hangzhou IECHO Science & Technology Co., Ltd.	1.44%	$0.36	55.35%
ISS.CO	ISS A/S	1.44%	$3.10	19.54%
003027.SZ	Tongxing Environmental Protection Technology Co.,Ltd	1.43%	$0.32	50.08%
0W19.L	Datagroup Se	1.43%	$1.00	34.00%
0YG7.L	Beijer Alma AB (publ)	1.43%	$4.12	46.18%
2427.T	OUTSOURCING Inc.	1.43%	$24.98	56.59%
300409.SZ	Guangdong Dowstone Technology Co., Ltd.	1.43%	$0.32	58.17%
600362.SS	Jiangxi Copper Company Limited	1.43%	$0.79	33.95%
600409.SS	Tangshan Sanyou Chemical Industries Co.,Ltd	1.43%	$0.09	81.03%
601858.SS	China Science Publishing & Media Ltd.	1.43%	$0.26	39.12%
603283.SS	Suzhou Secote Precision Electronic Co.,LTD	1.43%	$0.62	25.98%
603757.SS	Zhejiang Dayuan Pumps Industry Co., Ltd	1.43%	$0.63	58.53%
6479.T	MinebeaMitsumi Inc.	1.43%	$45.06	29.19%
7012.T	Kawasaki Heavy Industries, Ltd.	1.43%	$148.51	32.29%
9630.SR	Ratio Speciality Company for Trading	1.43%	$0.10	14.11%
G	Genpact Limited	1.43%	$0.66	20.93%
GIL	Gildan Activewear Inc.	1.43%	$0.90	28.59%
MRU.TO	Metro Inc.	1.43%	$1.42	30.52%
SIMINN.IC	Síminn hf.	1.43%	$0.21	33.47%
002568.SZ	Shanghai Bairun Investment Holding Group Co., Ltd.	1.42%	$0.31	46.41%
2270.HK	Desun Real Estate Investment Services Group Co., Ltd.	1.42%	$0.06	41.57%
300294.SZ	China Resources Boya Bio-pharmaceutical Group Co., Ltd.	1.42%	$0.32	49.45%
300433.SZ	Lens Technology Co., Ltd.	1.42%	$0.43	54.16%
300906.SZ	Jiangxi Everbright Measurement And Control Technology Co.,Ltd.	1.42%	$0.50	58.74%
301588.SZ	Newtechwood Corp	1.42%	$0.26	67.53%
4684.T	OBIC Co.,Ltd.	1.42%	$70.00	44.07%
600023.SS	Zhejiang Zheneng Electric Power Co., Ltd.	1.42%	$0.07	12.91%
600268.SS	Guodian Nanjing Automation Co., Ltd.	1.42%	$0.15	33.78%
605089.SS	Suzhou Weizhixiang Food Co., Ltd.	1.42%	$0.36	67.75%
688677.SS	Qingdao NovelBeam Technology Co.,Ltd.	1.42%	$0.61	52.58%
7456.T	MATSUDA SANGYO Co., Ltd.	1.42%	$75.07	17.79%
DNR.MI	Industrie De Nora S.p.A.	1.42%	$0.10	22.74%
000039.SZ	China International Marine Containers (Group) Co., Ltd.	1.41%	$0.14	31.30%
000778.SZ	Xinxing Ductile Iron Pipes Co., Ltd.	1.41%	$0.06	60.76%
002434.SZ	Zhejiang Wanliyang Co., Ltd.	1.41%	$0.13	54.38%
0354.HK	Chinasoft International Limited	1.41%	$0.07	16.05%
300298.SZ	Sinocare Inc.	1.41%	$0.24	47.22%
600063.SS	Anhui Wanwei Updated High-Tech Material Industry Co.,Ltd	1.41%	$0.08	31.80%
603058.SS	GuiZhou YongJi Printing CO.,LTD	1.41%	$0.13	42.37%

Financial Statements

Fundamentals

Valuations

Miscellaneous

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Ticker

Industry

Sector

Central Valley Community Bancorp (CVCY)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener