Community Bancorp of Santa Maria (CYSM)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Community Bancorp of Santa Maria (CYSM) trades at $22.63 with AI Score 52/100 (Grade B). Community Bancorp of Santa Maria (CYSM) is a regional bank providing a range of banking products and services through its subsidiary, Community Bank of Santa Maria. Market cap: $48.92M, Sector: Financial services.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for CYSM: CYSM does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CYSM against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CYSM: 3/6 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Community Bancorp of Santa Maria (CYSM) Financial Services Profile
Community Bancorp of Santa Maria (CYSM) is a regional bank focused on delivering comprehensive banking solutions, including diverse deposit and loan products, to individuals and businesses in California's Central Coast region.
What Is the Investment Thesis for CYSM?
Community Bancorp of Santa Maria's financial metrics indicate a solid foundation for growth, with a market capitalization of $48.92M and a P/E ratio of 9.9, suggesting potential for appreciation relative to earnings. The bank's profit margin of 20.0% and gross margin of 62.3% are indicative of efficient operations and strong profitability. As the Central Coast region continues to develop, the bank is well-positioned to capitalize on increasing demand for banking services, particularly in the commercial lending space. The bank's ongoing investments in e-banking services and customer engagement initiatives are expected to enhance its competitive edge. However, potential risks include economic fluctuations that could impact loan performance and the bank's exposure to regional economic conditions.
Based on FMP financials and quantitative analysis
CYSM Key Highlights
- Market Cap of $48.92M indicates a small but stable regional bank.
- P/E ratio of 9.9 suggests potential value relative to earnings.
- Profit Margin of 20.0% reflects strong operational efficiency.
- Gross Margin of 62.3% demonstrates effective cost management.
- Dividend Yield of 1.50% provides a steady income stream for investors.
Who Are CYSM's Competitors?
CYSM is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FRC First Republic Bank | $3.51 | +0.00% | $653.63M | 52 |
| PACW PacWest Bancorp | $7.54 | -2.71% | $904.52M | — |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CYSM's Key Strengths?
- Strong profit margins indicating operational efficiency.
- Established presence in the local market with community involvement.
- Diverse range of banking products catering to various customer needs.
What Are CYSM's Weaknesses?
- Limited geographic reach with only two branches.
- Dependence on the local economy for growth.
- Smaller market capitalization compared to larger competitors.
What Could Drive CYSM Stock Higher?
- Expansion of digital banking services to enhance customer experience.
- Strong performance in commercial lending as local businesses recover.
- Community engagement initiatives fostering customer loyalty and retention.
What Are the Key Risks for CYSM?
- Financial-distress signal — its Altman Z-Score of 0.30 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns impacting loan performance and profitability.
- Increased competition from larger banks and fintech disruptors.
- Regulatory changes affecting operational practices and compliance.
What Are the Growth Opportunities for CYSM?
- Expansion of Digital Banking Services: Community Bancorp is focusing on enhancing its e-banking services to meet the growing demand for digital banking solutions. The digital banking market is projected to grow at a CAGR of 12.5% from 2023 to 2030, providing significant opportunities for banks that can effectively leverage technology to improve customer experience and operational efficiency.
- Increased Commercial Lending: With a robust portfolio of commercial loans, Community Bancorp can capitalize on the increasing demand for financing among small and medium-sized enterprises (SMEs) in the Central Coast region. The commercial lending market is expected to grow at a CAGR of 8% over the next five years, driven by economic recovery and business expansion.
- Diversification of Loan Products: The bank's strategy to diversify its loan offerings, including agribusiness loans and commercial real estate loans, positions it to tap into niche markets. The agribusiness sector is projected to grow significantly, with an increasing need for financing solutions tailored to agricultural businesses, which could enhance the bank's loan portfolio.
- Community Engagement Initiatives: By strengthening its community ties and supporting local initiatives, Community Bancorp can enhance its brand loyalty and attract more customers. Community-focused banks are increasingly recognized for their contributions to local economies, which can lead to higher customer retention and growth in deposits.
- Focus on Sustainable Banking Practices: As environmental concerns rise, Community Bancorp can differentiate itself by adopting sustainable banking practices and offering green financing options. The sustainable finance market is expected to reach $30 trillion by 2030, providing a lucrative opportunity for banks that align with these values.
What Opportunities Does CYSM Have?
- Growth in digital banking services to attract tech-savvy customers.
- Expansion of commercial lending in a recovering economy.
- Potential for product diversification to meet evolving customer needs.
What Threats Does CYSM Face?
- Economic downturns that could impact loan performance.
- Increased competition from larger banks and fintech companies.
- Regulatory changes that may affect banking operations.
What Are CYSM's Competitive Advantages?
- Strong community ties that foster customer loyalty.
- Personalized banking services that differentiate from larger banks.
- Diverse loan portfolio catering to various customer segments.
- Established brand reputation in the Central Coast region.
What Does CYSM Do?
Founded in 2001, Community Bancorp of Santa Maria operates through its subsidiary, Community Bank of Santa Maria, and has established itself as a key player in the regional banking sector. Based in Santa Maria, California, the bank provides a variety of banking products and services tailored to meet the needs of both businesses and individuals. The bank's offerings include a wide range of deposit products such as checking accounts, money market savings accounts, and various types of certificates of deposit. On the lending side, Community Bancorp offers home equity lines of credit, personal and commercial real estate loans, and agribusiness loans, among others. With a focus on customer service, the bank operates two full-service offices in the Central Coast area, allowing it to maintain strong community ties and a personalized banking experience. The bank's commitment to serving local customers has positioned it well within the competitive landscape of regional banks, where it competes with larger institutions by emphasizing local knowledge and personalized service.
What Products and Services Does CYSM Offer?
- Provide a range of deposit products including checking and savings accounts.
- Offer various loan products such as home equity lines of credit and commercial real estate loans.
- Facilitate e-banking services for convenient online banking access.
- Issue credit and debit cards for customer transactions.
- Serve both individual and business clients in the Central Coast area.
- Operate through two full-service banking offices.
How Does CYSM Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Attract deposits to fund lending activities and earn interest on loans.
- Provide personalized banking services to enhance customer satisfaction and retention.
- Utilize technology to streamline operations and reduce costs.
What Industry Does CYSM Operate In?
The regional banking industry is characterized by a growing demand for personalized banking services and local expertise. Community Bancorp of Santa Maria operates in a competitive landscape where larger banks often dominate, but local banks like CYSM can differentiate themselves through tailored services and community involvement. The overall market for regional banks is expected to grow as consumers increasingly seek local banking solutions, with trends indicating a shift towards digital banking services. This environment presents both opportunities and challenges for Community Bancorp as it navigates its growth strategy.
Who Are CYSM's Key Customers?
- Individuals seeking personal banking solutions.
- Small and medium-sized enterprises (SMEs) requiring business financing.
- Agricultural businesses needing specialized loan products.
- Local residents looking for community-focused banking services.
Company Profile
Community Bancorp of Santa Maria operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Santa Maria, US. The company is led by CEO Janet Silveria. CYSM has traded publicly since 2007.
Community Bancorp of Santa Maria (CYSM) Valuation Context
Valued at $48.92M, CYSM is classified as a micro-cap stock. Relative to its peer group, CYSM's quantitative score of 52/100 is below the peer average of 68/100.
ROE 12%Key Financial Metrics
Return on equity for Community Bancorp of Santa Maria stands at 11.6%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. CYSM trades at a trailing price-to-earnings ratio of 9.92, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
Community Bancorp of Santa Maria's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.30 places it in the distress zone, a signal of elevated financial risk.
CYSM Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Strong profit margins indicating operational efficiency.
- Established presence in the local market with community involvement.
- Diverse range of banking products catering to various customer needs.
- Upcoming: Expansion of digital banking services to enhance customer experience.
Bear Case
- Limited geographic reach with only two branches.
- Dependence on the local economy for growth.
- Smaller market capitalization compared to larger competitors.
- Potential: Economic downturns impacting loan performance and profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CYSM Latest News
No recent news available for CYSM.
CYSM Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CYSM.
Price Targets
Wall Street price target analysis for CYSM.
CYSM MoonshotScore
What does this score mean?
The MoonshotScore rates CYSM's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Janet Silveria
CEO
Janet Silveria has been leading Community Bancorp of Santa Maria since its inception in 2001. With a strong background in banking and finance, she has played a pivotal role in shaping the bank's strategic direction and fostering community relationships. Janet holds a degree in Business Administration and has over 20 years of experience in the financial services industry, focusing on regional banking.
Track Record: Under Janet's leadership, Community Bancorp has expanded its product offerings and strengthened its community engagement initiatives, resulting in increased customer loyalty and a solid financial performance. She has successfully navigated the bank through various economic challenges while maintaining profitability.
CYSM OTC Market Information
The OTC Other tier is designed for companies that do not meet the requirements for higher tiers like OTCQX or OTCQB. This tier allows for trading in a less regulated environment, which can provide more flexibility but may also involve higher risks for investors due to less stringent disclosure requirements.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosures may hinder investor confidence.
- Lower liquidity compared to stocks listed on major exchanges.
- Potential for higher volatility due to fewer market participants.
- Verify the bank's financial stability and profitability metrics.
- Assess the quality of the loan portfolio and risk management practices.
- Review community engagement initiatives and their impact on growth.
- Examine the competitive landscape and market positioning.
- Investigate regulatory compliance and any potential legal issues.
- Established presence in the local community since 2001.
- Positive customer reviews and community engagement.
- Membership in local banking associations and networks.
Common Questions About CYSM (Financial Services)
What does Community Bancorp of Santa Maria do?
Community Bancorp of Santa Maria, through its subsidiary Community Bank of Santa Maria, offers a range of banking products and services, including various deposit accounts, personal and commercial loans, and e-banking services. The bank primarily serves individuals and businesses in the Central Coast area of California, focusing on personalized service and community engagement.
What are the main risks for CYSM?
Community Bancorp of Santa Maria faces several risks, including potential economic downturns that could adversely affect loan performance and profitability. Additionally, increased competition from larger banks and fintech companies poses a threat to its market share. Regulatory changes may also impact the bank's operational practices and compliance requirements, necessitating ongoing vigilance.
How does Community Bancorp of Santa Maria manage its loan portfolio risk?
Community Bancorp employs a robust risk management framework to assess and monitor the quality of its loan portfolio. This includes regular evaluations of borrower creditworthiness, setting appropriate provisions for potential loan losses, and maintaining a diversified loan portfolio to mitigate concentration risk. The bank's experienced management team is dedicated to ensuring that risk is effectively managed while pursuing growth opportunities.
What are the key factors to evaluate for CYSM?
Community Bancorp of Santa Maria (CYSM) holds an AI score of 52/100 (moderate). P/E: 9.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CYSM data refresh on this page?
CYSM prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CYSM's recent stock price performance?
Community Bancorp of Santa Maria (CYSM) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong profit margins indicating operational efficiency. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CYSM overvalued or undervalued right now?
Community Bancorp of Santa Maria (CYSM) trades at 9.9x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CYSM?
Before investing in Community Bancorp of Santa Maria (CYSM), 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.
- Financial reports are limited due to OTC classification, which may affect transparency.