Golden Valley Bancshares (GVYB) Stock Overview

Operates as a bank holding company for Golden Valley Bank that provides various commercial banking products and services to small to middle-market businesses, professionals, and not-for-profit organizations. More details

GVYB fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	3/6

Rewards

Trading at 10.1% below our estimate of its fair value

Earnings grew by 36.4% over the past year

Risk Analysis

Earnings have declined by 3.1% per year over past 5 years

Shares are highly illiquid

Unstable dividend track record

Does not have a meaningful market cap ($59M)

GVYB Community Fair Values

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Golden Valley Bancshares, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Golden Valley Bancshares
Historical stock prices
Current Share Price	US$26.99
52 Week High	US$26.99
52 Week Low	US$18.25
Beta	-0.16
1 Month Change	3.81%
3 Month Change	16.09%
1 Year Change	46.76%
3 Year Change	124.95%
5 Year Change	42.43%
Change since IPO	229.88%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	GVYB	US Banks	US Market
7D	0%	3.7%	5.5%
1Y	46.8%	29.4%	20.8%

Return vs Industry: GVYB exceeded the US Banks industry which returned 28.8% over the past year.

Return vs Market: GVYB exceeded the US Market which returned 21.3% over the past year.

Price Volatility

Is GVYB's price volatile compared to industry and market?
GVYB volatility
GVYB Average Weekly Movement	n/a
Banks Industry Average Movement	3.3%
Market Average Movement	7.3%
10% most volatile stocks in US Market	16.3%
10% least volatile stocks in US Market	3.1%

Stable Share Price: GVYB's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine GVYB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	Mark Francis	www.goldenvalley.bank

Golden Valley Bancshares, Inc. operates as a bank holding company for Golden Valley Bank that provides various commercial banking products and services to small to middle-market businesses, professionals, and not-for-profit organizations. It offers checking, money market, individual retirement, and savings accounts, as well as certificate of deposits. The company also offers home, real estate, equipment financing, and small business administration loans, as well as operating lines of credit.

Golden Valley Bancshares, Inc. Fundamentals Summary

How do Golden Valley Bancshares's earnings and revenue compare to its market cap?
GVYB fundamental statistics
Market cap	US$59.21m
Earnings (TTM)	US$5.15m
Revenue (TTM)	US$20.12m

11.5x

P/E Ratio

1.3x

P/B Ratio

Is GVYB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
GVYB income statement (TTM)
Revenue	US$20.12m
Cost of Revenue	US$0
Gross Profit	US$20.12m
Other Expenses	US$14.97m
Earnings	US$5.15m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	2.35
Gross Margin	100.00%
Net Profit Margin	25.60%
Debt/Equity Ratio	13.6%

How did GVYB perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

27%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/08/05 13:44
End of Day Share Price	2026/07/27 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Golden Valley Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.