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Community Bancorp of Santa Maria (CYSM) Fair Value & Analysis

Financial Services · US · Market cap $43.2M

Price$20.38
Fair Value$25.18
Upside+23.6%
Quality95/100
Evidence: High Range $18.89 – $31.48

Fair value as of: Jun 26, 2026

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Analysis

Community Bancorp of Santa Maria (CYSM) currently trades at $20.38, while our model-based Fair Value estimate is $25.18 — implying the stock looks roughly 23.6% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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 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 Mar…

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Frequently asked questions

Is Community Bancorp of Santa Maria (CYSM) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $25.18 versus a price of $20.38 — about +24% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CYSM?
Our 21-model fair value for Community Bancorp of Santa Maria is $25.18 (as of Jun 26, 2026), built from audited fundamentals. The current price is $20.38.
What is the quality score of CYSM?
Community Bancorp of Santa Maria has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.