Cashmere Valley Bank (CSHX)
For informational purposes only. Not financial advice. Analysis by Sedat Aydin, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Cashmere Valley Bank (CSHX) with AI Score 57/100 (Hold). Cashmere Valley Bank (CSHX) is a Washington-based community bank focused on serving small to middle-market businesses and retail customers. Market cap: 0, Sector: Financial services.
Last analyzed: Mar 17, 2026Cashmere Valley Bank (CSHX) Financial Services Profile
Cashmere Valley Bank, established in 1932, provides comprehensive banking solutions to businesses and retail clients in North Central Washington. With a focus on community banking, CSHX offers a suite of services including lending, deposit accounts, and wealth management, distinguishing itself through local expertise and personalized customer service within the regional banking sector.
Investment Thesis
Cashmere Valley Bank presents a stable investment opportunity within the regional banking sector, supported by its long-standing presence and deep roots in the North Central Washington community. With a P/E ratio of 9.83 and a dividend yield of 2.65%, CSHX offers a blend of value and income. The bank's profit margin of 23.9% indicates efficient operations. Growth catalysts include expanding its reach within its existing footprint and increasing its market share in municipal financing. Potential risks include interest rate sensitivity and competition from larger regional and national banks. The bank's beta of 0.28 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
Key Highlights
- Market capitalization of $0.29 billion indicates a relatively small but established regional bank.
- P/E ratio of 9.83 suggests the stock may be undervalued compared to its earnings.
- Profit margin of 23.9% demonstrates strong profitability and efficient operations.
- Gross margin of 53.3% reflects effective management of revenue and costs.
- Dividend yield of 2.65% provides a steady income stream for investors.
Competitors & Peers
Strengths
- Strong local presence and brand recognition.
- Long-standing relationships with customers.
- Expertise in serving local businesses and municipalities.
- Stable financial performance and profitability.
Weaknesses
- Limited geographic reach compared to larger regional banks.
- Dependence on the local economy of North Central Washington.
- Potential sensitivity to interest rate fluctuations.
- Limited resources for investing in technology and innovation.
Catalysts
- Ongoing: Expansion of digital banking services to attract and retain customers.
- Ongoing: Strategic partnerships with local businesses to expand customer base.
- Upcoming: Potential acquisitions of smaller community banks or credit unions.
- Ongoing: Growth in wealth management services targeting existing customer base.
- Ongoing: Increased lending to local municipalities for infrastructure projects.
Risks
- Potential: Economic downturn in North Central Washington impacting loan portfolio.
- Ongoing: Competition from larger regional and national banks.
- Potential: Cybersecurity risks and data breaches.
- Ongoing: Regulatory changes and compliance costs.
- Potential: Interest rate fluctuations affecting net interest margin.
Growth Opportunities
- Expansion of Municipal Financing: Cashmere Valley Bank has an opportunity to further expand its financing solutions for local municipalities. This includes providing banking services, privately-placed bonds and notes, municipal credit cards, and interim-financings for rural development projects. The market for municipal financing is substantial, with ongoing infrastructure and development needs in rural communities. By leveraging its expertise and relationships, Cashmere Valley Bank can increase its market share and revenue in this sector.
- Increased Penetration of Wealth Management Services: Cashmere Valley Bank can grow its wealth management services by targeting its existing customer base and attracting new clients. The demand for wealth management services is increasing as individuals and families seek professional advice on investments, retirement planning, and estate planning. By offering a comprehensive suite of wealth management products and services, Cashmere Valley Bank can increase its fee-based income and build stronger customer relationships. The bank should focus on personalized service and tailored solutions to differentiate itself from larger wealth management firms.
- Digital Banking Adoption: Cashmere Valley Bank can enhance its digital banking offerings to attract and retain customers. As more customers prefer online and mobile banking, investing in user-friendly digital platforms is crucial. This includes improving mobile banking apps, online account management tools, and digital payment solutions. By providing convenient and secure digital banking services, Cashmere Valley Bank can increase customer satisfaction, reduce operational costs, and expand its reach beyond its physical branch network.
- Strategic Partnerships with Local Businesses: Cashmere Valley Bank can form strategic partnerships with local businesses to expand its customer base and offer specialized financial services. This includes partnering with real estate developers, contractors, and other businesses to provide financing solutions for their projects. By collaborating with local businesses, Cashmere Valley Bank can gain access to new customers and increase its loan portfolio. These partnerships can also enhance the bank's reputation as a community-focused financial institution.
- Expansion into Adjacent Markets: Cashmere Valley Bank has the potential to expand its branch network into adjacent markets within North Central Washington. By carefully selecting new locations and targeting underserved communities, the bank can increase its market share and revenue. This expansion should be supported by thorough market research and a strategic plan to ensure profitability and sustainability. The bank should also consider acquiring smaller community banks or credit unions to accelerate its expansion efforts.
Opportunities
- Expansion into adjacent markets within North Central Washington.
- Increased penetration of wealth management services.
- Adoption of digital banking solutions.
- Strategic partnerships with local businesses.
Threats
- Competition from larger regional and national banks.
- Economic downturn in North Central Washington.
- Regulatory changes and compliance costs.
- Cybersecurity risks and data breaches.
Competitive Advantages
- Strong local presence and brand recognition in North Central Washington.
- Long-standing relationships with customers and communities.
- Expertise in serving the financial needs of local businesses and municipalities.
- Personalized customer service and tailored financial solutions.
About CSHX
Cashmere Valley Bank was founded in 1932 in Cashmere, Washington, with the mission of supporting the financial needs of local businesses and residents. Over the decades, the bank has grown from a small community institution to a regional bank with 11 branches across North Central Washington. The bank's core business revolves around providing traditional banking products and services, including checking and savings accounts, personal loans (auto, boat, RV, home equity), mortgages, and business loans (commercial real estate, commercial, operating lines of credit, SBA loans). Cashmere Valley Bank also offers equipment financing, credit cards, and wealth management services. In addition to serving businesses and individuals, Cashmere Valley Bank provides banking and financing solutions for local municipalities, including banking services, privately-placed bonds and notes, municipal credit cards, and interim-financings for rural development projects. The bank differentiates itself through its commitment to personalized customer service, local expertise, and a comprehensive suite of financial products tailored to the needs of its community. It further enhances its service offerings with insurance products and digital banking solutions.
What They Do
- Provides checking and savings accounts to individuals and businesses.
- Offers personal loans for auto, boat, RV, and home equity needs.
- Provides mortgage loans for home purchases and refinancing.
- Offers commercial real estate loans to businesses.
- Provides operating lines of credit and SBA loans to small businesses.
- Offers equipment financing solutions.
- Provides credit cards to individuals and businesses.
- Offers wealth management, merchant, and treasury services.
Business Model
- Generates revenue from interest income on loans.
- Earns fees from deposit accounts, wealth management, and other services.
- Provides banking and financing solutions for local municipalities.
- Offers insurance products through brokers.
Industry Context
Cashmere Valley Bank operates in the regional banking sector, which is characterized by intense competition from both larger national banks and smaller community banks. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and economic conditions. Regional banks like Cashmere Valley Bank differentiate themselves through personalized service, local expertise, and a focus on serving the needs of their communities. The market is seeing increased adoption of digital banking solutions and a growing demand for specialized financial services for small and medium-sized businesses.
Key Customers
- Small and middle-market businesses in North Central Washington.
- Retail customers in North Central Washington.
- Local municipalities in North Central Washington.
- Brokers seeking personal and commercial lines of insurance.
Financials
Chart & Info
Cashmere Valley Bank (CSHX) stock price: Price data unavailable
Latest News
-
Cashmere Valley Bank Commences Self Tender Offer to Repurchase up to 200,000 Shares of its Common Stock
accessnewswire.com · Mar 18, 2026
-
3 Undiscovered Gems In The US Market
Simply Wall St. · Feb 16, 2026
-
Discovering Undiscovered Gems in the US Market February 2026
Simply Wall St. · Feb 13, 2026
-
US Undiscovered Gems To Watch In February 2026
Simply Wall St. · Feb 13, 2026
Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CSHX.
Price Targets
Wall Street price target analysis for CSHX.
MoonshotScore
What does this score mean?
The MoonshotScore rates CSHX's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Cashmere Valley Bank Commences Self Tender Offer to Repurchase up to 200,000 Shares of its Common Stock
3 Undiscovered Gems In The US Market
Discovering Undiscovered Gems in the US Market February 2026
US Undiscovered Gems To Watch In February 2026
Leadership: Greg Oakes
CEO
Greg Oakes serves as the CEO of Cashmere Valley Bank. His career in the banking industry spans several decades, with a focus on community banking and regional financial services. He has held various leadership positions, gaining extensive experience in lending, operations, and strategic planning. Oakes is deeply involved in the local community and is committed to supporting the financial needs of businesses and residents in North Central Washington. He holds a degree in Business Administration and has completed advanced management programs at leading banking institutions.
Track Record: Under Greg Oakes' leadership, Cashmere Valley Bank has maintained a strong financial performance and has expanded its presence in North Central Washington. He has overseen the implementation of new technologies and digital banking solutions to enhance customer service and improve operational efficiency. Oakes has also been instrumental in building strong relationships with local businesses and municipalities, contributing to the bank's growth and success.
CSHX OTC Market Information
The OTC Other tier, where Cashmere Valley Bank trades, represents the lowest tier of the OTC market. Companies in this tier may not meet the minimum financial standards required for higher tiers like OTCQX or OTCQB. These companies often have limited operating history, may be thinly traded, and may not be subject to the same reporting requirements as companies listed on major exchanges like the NYSE or NASDAQ. Investing in companies on the OTC Other tier carries a higher degree of risk due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited liquidity and wider bid-ask spreads.
- Lack of regulatory oversight and transparency.
- Potential for price manipulation and fraud.
- Limited financial information and disclosure.
- Higher volatility and risk compared to exchange-listed stocks.
- Verify the company's registration and licensing.
- Review the company's financial statements and disclosures (if available).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's legal and regulatory compliance.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before making any investment decisions.
- Long operating history since 1932.
- Established presence with 11 branches in North Central Washington.
- Provides essential banking services to local communities.
- Positive customer reviews and testimonials.
- CEO with extensive experience in the banking industry.
CSHX Financial Services Stock FAQ
What does Cashmere Valley Bank do?
Cashmere Valley Bank is a community bank providing financial services to individuals, businesses, and municipalities in North Central Washington. It offers a range of products including deposit accounts, loans, wealth management, and insurance services. The bank generates revenue primarily through interest income on loans and fees from various services. Cashmere Valley Bank differentiates itself through its local expertise, personalized customer service, and commitment to supporting the financial needs of its community.
What do analysts say about CSHX stock?
As of March 17, 2026, there is no readily available analyst coverage for Cashmere Valley Bank (CSHX) due to its OTC listing. Investors should conduct their own due diligence and consider factors such as the bank's financial performance, market position, and growth opportunities. Key valuation metrics include the P/E ratio of 9.83 and the dividend yield of 2.65%. Growth considerations include the bank's expansion plans and its ability to compete with larger regional banks.
What are the main risks for CSHX?
The main risks for Cashmere Valley Bank include economic downturns in North Central Washington, which could impact its loan portfolio and profitability. Competition from larger regional and national banks poses a threat to its market share. Cybersecurity risks and data breaches could result in financial losses and reputational damage. Regulatory changes and compliance costs could increase operational expenses. Interest rate fluctuations could affect its net interest margin and profitability. Additionally, as an OTC stock, CSHX faces risks related to liquidity and transparency.
What are the key factors to evaluate for CSHX?
Cashmere Valley Bank (CSHX) currently holds an AI score of 57/100, indicating moderate score. Key strength: Strong local presence and brand recognition.. Primary risk to monitor: Potential: Economic downturn in North Central Washington impacting loan portfolio.. This is not financial advice.
How frequently does CSHX data refresh on this page?
CSHX prices update in real time during U.S. market hours (9:30 AM-4:00 PM ET, weekdays). Fundamentals refresh after quarterly or annual filings. Analyst ratings and AI insights update daily. News is aggregated continuously from financial sources.
What has driven CSHX's recent stock price performance?
Recent price movement in Cashmere Valley Bank (CSHX) can be influenced by earnings results, analyst revisions, sector rotation, and broader market sentiment. Notable catalyst: Strong local presence and brand recognition.. Check the News and Technical Analysis tabs for the latest drivers. Past performance does not predict future results.
Should investors consider CSHX overvalued or undervalued right now?
Determining whether Cashmere Valley Bank (CSHX) is overvalued or undervalued requires examining multiple metrics. Compare valuation ratios (P/E, P/S, EV/EBITDA) against sector peers for a comprehensive view.
What research should beginners do before buying CSHX?
Before investing in Cashmere Valley Bank (CSHX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be limited and less reliable than exchange-listed data.