Community Bancorp of Santa Maria (CYSM)

Community Bancorp of Santa Maria is the bank holding company for Community Bank of Santa Maria, a California-based banking organization serving businesses and individuals. Through its banking subsidiary, the company provides deposit accounts such as checking, savings, money market, and certificates of deposit, along with lending across residential, consumer, commercial, agricultural, and small business categories. Its services also include credit and debit cards, cash management tools, and digital banking channels such as online, mobile, remote deposit, telephone banking, and digital wallet capabilities. Founded in 2001, the company is headquartered in Santa Maria, California. The listed security is common stock traded on OTC Markets under the symbol CYSM.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-CYSM
$23
3.6% Upside
Fair
Good
0.32
1.4%
July 24, 2026
11.6x
2.7x
46.699 M
0.0%
91.8%
16.1%
106.8%
Valuation • Fair Value

Community Bancorp of Santa Maria (OTC-CYSM) Fair Value by Valuation Model

Compare the primary fair value estimate for Community Bancorp of Santa Maria (OTC-CYSM) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$23

Estimated upside of 3.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$21.26

Classic Ben Graham valuation formula reference.

DDM Fair Value

$33.69

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$17.66

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for Community Bancorp of Santa Maria (OTC-CYSM) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Community Bancorp of Santa Maria (OTC-CYSM)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

17.24 M

Current operating scale indicator.

Revenue Forecast

18.533 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Community Bancorp of Santa Maria (OTC-CYSM) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Community Bancorp of Santa Maria (OTC-CYSM)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Good

Positive financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

Not available

Data is currently unavailable.

FCF / Net Income

106.8%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Community Bancorp of Santa Maria (OTC-CYSM). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Community Bancorp of Santa Maria (OTC-CYSM)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

1.4%

Income yield reference.

Upcoming Dividend

0.32

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

16.1%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Community Bancorp of Santa Maria (OTC-CYSM), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Community Bancorp of Santa Maria (OTC-CYSM) Stock Forecast & Technical Outlook

Review Community Bancorp of Santa Maria (OTC-CYSM) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Community Bancorp of Santa Maria (OTC-CYSM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Community Bancorp of Santa Maria (OTC-CYSM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Community Bancorp of Santa Maria (OTC-CYSM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Community Bancorp of Santa Maria (OTC-CYSM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Community Bancorp of Santa Maria (OTC-CYSM) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Community Bancorp of Santa Maria (OTC-CYSM)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Not available

Analyst recommendation data for Community Bancorp of Santa Maria (OTC-CYSM) is not currently available.

Buy 0
Hold 0
Sell 0
FAQ Fast Investor Answers

Community Bancorp of Santa Maria (OTC-CYSM) Stock FAQ

Quick answers about Community Bancorp of Santa Maria (OTC-CYSM) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$23
Estimated upside 3.6%
Valuation Rating
Undervalued
Estimated upside of 3.6%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Good
Current financial-health read

The current fair value estimate for Community Bancorp of Santa Maria (OTC-CYSM) is $23. This implies an estimated upside of 3.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 3.6% versus the current market price.

An analyst price target for Community Bancorp of Santa Maria (OTC-CYSM) is not currently available in the latest data file.

The current financial health read for Community Bancorp of Santa Maria (OTC-CYSM) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Community Bancorp of Santa Maria (OTC-CYSM) is July 24, 2026.

Based on the current data, dividend yield is 1.4%, upcoming dividend amount is 0.32.

The current P/E ratio listed for Community Bancorp of Santa Maria (OTC-CYSM) is 11.6x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Community Bancorp of Santa Maria is 46.699 M.

The ticker symbol for Community Bancorp of Santa Maria is OTC-CYSM, and the stock is listed on OTC Markets.

Community Bancorp of Santa Maria (OTC-CYSM) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for Community Bancorp of Santa Maria is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Community Bancorp of Santa Maria is 91.8%. Free float helps investors understand how much of the share base is available for public trading.