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Community Bancorp of Santa Maria (CYSM) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Community Bancorp of Santa Maria stock $18.88, price $18.65, upside +1.2%, quality 63 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CB Community Bancorp of Santa Maria logo Some data Nov 6, 2026

Community Bancorp of Santa Maria

CYSM · US
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Quality 63/100
Healthy Growth (revenue 5y +7.0 %/yr in USD)
Highly profitable · 23.7% net margin (TTM)
1.6% dividend yield · Low payout
Ranks above peers (8/13)
Costs just 8.8 times its yearly profit.
Fair value $18.88 · Fairly valued
Moderate moat 64/100 · thin data
Some data
⚠ Thinly traded
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$22.63 $6.98 Fair Value $18.88 Sep 2018 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $6.98 – $22.63 · fair‑value band $15.99 – $26.06 · the $18.65 price screens below the $18.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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.

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The company offers checking, NOW, money market savings, savings, seedling, Christmas Club, individual retirement, and CDARS accounts; and certificates of deposit.

It also provides home equity, residential construction, personal, mortgage, and vehicle loans, as well as redi-credit and credit cards; and business loans, such as agribusiness, SBA 504 and 7(a), commercial equipment, commercial construction, commercial real estate, and multi-family real estate loans, as well as commercial revolving lines of credit.

In addition, the company offers online and mobile banking; business cash management; debit cards; digital wallet; rapid remote deposit; telephone banking; fraud prevention; and ClickSWITCH, an automated tool to transfer all direct deposits and automatic payments.

Community Bancorp of Santa Maria was founded in 2000 and is headquartered in Santa Maria, California.

Stock analysis

Community Bancorp of Santa Maria (CYSM) currently trades at $18.65, while our model-based Fair Value estimate is $18.88, so the stock looks roughly fairly valued today (gap 1.2%).

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Valuation

Bull case: the Multiples group reads highest at a median of $21.31 per share, and 2 of the 6 models we run sit above the $18.65 price.

Bear case: the Dividend Discount group reads lowest at $5.87, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $15.99 (bear) to $26.06 (bull), the price of $18.65 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 63/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Community Bancorp of Santa Maria reported revenue of $17.6M in FY2025 versus $13.7M in FY2021, a compound +6.5%/yr. Reported net income was $4.1M in FY2025, compounding +9.4%/yr from FY2021.

Key figures

Market cap $39.3M Micro · P/E ratio 8.8 · P/S ratio 2.28 · EPS (TTM) $2.12 · Dividend yield 1.6% · Net margin 23.7% · Return on equity 11.6% · Return on assets (EBIT) 1.0% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 18% below its 52-week high and 26% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 1%, CYSM screens cheaper than that median.

Fair Value models

Bear $15.99 Fair Value $18.88 Bull $26.06
Price $18.65 · Upside +1.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.56 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $16.47 $18.88 $26.06 76
DDM Multi-Stage $3.00 $5.19 $6.82 66
Gordon GGM $3.00 $6.55 $11.00 65
All 6 models by family
Dividend Discount
Gordon GGM $3.00 $6.55 $11.00 65
DDM Multi-Stage $3.00 $5.19 $6.82 66
Multiples
P/E Multiple $18.89 $25.18 $31.48 63
P/B Multiple $13.08 $17.44 $21.80 55
Asset-Based
NCAV (Graham) $9.01 $12.07 $18.02 54
Economic Profit
Residual Income $16.47 $18.88 $26.06 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 63/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 65
Are margins and returns getting better?
Cashflow 82
Do the profits arrive as real cash?
Financial strength 24
Debt, balance sheet and risk of trouble
Investment 64
Does it invest with discipline instead of growing at any price?
Low Volatility 87
How calm the share price moves, does not count
Price momentum 43
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 54
Distance to the 52-week high, does not count
New shares 96
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 79/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.0%
Start year 2020 (pandemic). Over 10 years: +7.0% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+8.9%
Dividend (yield on the price)1.6%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 63 · Top 25%
Fair Value upside +1.2% · Above median
Profitability
Return on equity (12 months) 11.6% · Above median
Return on assets 1.0% · Below median
Net margin (12 months) 23.7% · Below median
Operating margin (12 months) 31.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Bottom 25%
Dividend yield (12 months) 1.6% · Below median
Balance sheet
Debt / equity 0.12× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 8.8× · Cheaper than median
P/B 1.04× · Cheaper than median
P/S (12 months) 2.28× · Cheapest 25%
Price / free cash flow (fiscal year) 9.1× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)35 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)46 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)32 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CYSM
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CYSM
BNP Paribas SA BNP €91.93 €106.01 +15% vs CYSM
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CYSM
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CYSM
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CYSM
Mizuho Financial Group MFG $9.40 $5.90 −37% vs CYSM
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CYSM
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CYSM
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CYSM

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Community Bancorp of Santa Maria: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Community Bancorp of Santa Maria Fair Value". https://www.fairvalue-calculator.com/stock/CYSM

Frequently asked questions

Is Community Bancorp of Santa Maria (CYSM) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $18.88 versus a price of $18.65, about +1% upside (fairly valued).
What is the fair value of CYSM?
Our model-based fair value for Community Bancorp of Santa Maria is $18.88 (as of Nov 6, 2026), built from audited fundamentals. The current price: $18.65.
What is the quality score of CYSM?
Community Bancorp of Santa Maria has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Bancorp of Santa Maria (CYSM)?
Our model-based price target is the fair value of $18.88 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $15.99, optimistic scenario $26.06. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Bancorp of Santa Maria stock forecast for 2026?
Our models put fair value at $18.88, about +1% upside versus a price of $18.65 (fairly valued). Cautious scenario $15.99, optimistic scenario $26.06. The calculation is refreshed regularly with new filings.
What is the revenue of Community Bancorp of Santa Maria (CYSM)?
Community Bancorp of Santa Maria reported trailing-twelve-month revenue of about $17.2M (latest available figure, as of Nov 6, 2026).
Does Community Bancorp of Santa Maria pay a dividend?
Community Bancorp of Santa Maria currently shows a dividend yield of 1.61% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Community Bancorp of Santa Maria (CYSM) and when is the ex-dividend date?
Community Bancorp of Santa Maria pays a dividend of $0.3 per share a year, a dividend yield of 1.6%. The last ex-dividend date was Jun 30, 2026. A dividend has been paid every year since at least 2018. The payout ratio is 14.2% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Community Bancorp of Santa Maria (CYSM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Bancorp of Santa Maria it is $18.88 per share (as of Nov 6, 2026), against a price of $18.65. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Community Bancorp of Santa Maria stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CYSM trades below its calculated fair value: price $18.65, fair value $18.88, a gap of about +1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CYSM?
No. The price is what the market pays today ($18.65); the fair value is what the company's own numbers justify ($18.88). For Community Bancorp of Santa Maria the two are $0.2300 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Bancorp of Santa Maria worth?
The market values Community Bancorp of Santa Maria at about $39.3M (market capitalisation, as of Nov 6, 2026). Per share that is $18.65; our models calculate a fair value of $18.88 per share.
What do the bullish and bearish scenarios say about CYSM?
Our models span a range for Community Bancorp of Santa Maria: cautious scenario $15.99, base $18.88, optimistic $26.06 per share (as of Nov 6, 2026, price $18.65). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CYSM?
Community Bancorp of Santa Maria trades at a price-to-earnings ratio of 8.8 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.88 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings: 8.6. Other multiples: P/B 1.0, P/S 2.3.
How solid is the balance sheet of Community Bancorp of Santa Maria (CYSM)?
Balance-sheet figures for Community Bancorp of Santa Maria (as of Nov 6, 2026): return on equity 11.6%, debt of 0.12 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is CYSM from its 52-week high?
Community Bancorp of Santa Maria trades at $18.65, about 18% below its 52-week high of $22.63 and 26% above the low of $14.76 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.88 is for.
Which stocks are comparable to Community Bancorp of Santa Maria?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Bancorp of Santa Maria stock attractive at the current price?
The data as of Nov 6, 2026: price $18.65, calculated fair value $18.88 (+1%), Quality Score 63/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CYSM calculated?
We run Community Bancorp of Santa Maria through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.88 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Community Bancorp of Santa Maria currently trades 1% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Bancorp of Santa Maria (CYSM)?
The closing price on Nov 6, 2026 was $18.65. Our model-based fair value is $18.88, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Bancorp of Santa Maria right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Community Bancorp of Santa Maria

How large is the market capitalisation of Community Bancorp of Santa Maria (CYSM)?
The market capitalisation of Community Bancorp of Santa Maria is $39.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Bancorp of Santa Maria (CYSM)?
The price-to-sales ratio of Community Bancorp of Santa Maria is 2.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Bancorp of Santa Maria (CYSM)?
Earnings per share at Community Bancorp of Santa Maria are $2.12 (price ÷ EPS = P/E 8.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Community Bancorp of Santa Maria (CYSM)?
The dividend yield of Community Bancorp of Santa Maria is 1.6% (payout 14.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Community Bancorp of Santa Maria (CYSM)?
The net margin of Community Bancorp of Santa Maria is 23.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Community Bancorp of Santa Maria (CYSM)?
The return on equity (ROE) of Community Bancorp of Santa Maria is 11.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Community Bancorp of Santa Maria (CYSM)?
On an EBIT basis the return on assets of Community Bancorp of Santa Maria is 1.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Community Bancorp of Santa Maria (CYSM)?
The operating margin of Community Bancorp of Santa Maria is 31.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Community Bancorp of Santa Maria (CYSM) generate?
The free cash flow of Community Bancorp of Santa Maria is $4.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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