OTCPK:GVYB

Stock Analysis Report

Golden Valley Bank (Chico CA)

Executive Summary

Golden Valley Bank (Chico, CA) provides various banking products and services in California.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Golden Valley Bank (Chico CA) is not covered by any analysts.

Similar Companies

Share Price & News

How has Golden Valley Bank (Chico CA)'s share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

12.0%

OTCPK:GVYB

-2.6%

US Banks

-1.0%

US Market


1 Year Return

n/a

OTCPK:GVYB

-14.2%

US Banks

-0.4%

US Market

No trading data on GVYB.

No trading data on GVYB.


Share holder returns

GVYBIndustryMarket
7 Day12.0%-2.6%-1.0%
30 Day10.2%-6.3%-3.3%
90 Day6.5%-3.5%0.8%
1 Yearn/a-11.8%-14.2%1.9%-0.4%
3 Year44.1%38.7%42.2%32.4%39.4%30.4%
5 Year50.7%40.0%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

How volatile is Golden Valley Bank (Chico CA)'s share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Golden Valley Bank (Chico CA) undervalued based on future cash flows and its price relative to the stock market?

13.11x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Golden Valley Bank (Chico CA)'s share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Golden Valley Bank (Chico CA)'s share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Golden Valley Bank (Chico CA) is overvalued based on earnings compared to the US Banks industry average.

Golden Valley Bank (Chico CA) is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Golden Valley Bank (Chico CA), we can't assess if its growth is good value.


Price Based on Value of Assets

Golden Valley Bank (Chico CA) is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Golden Valley Bank (Chico CA) expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

5.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Golden Valley Bank (Chico CA) is high growth as no revenue estimate data is available.

Golden Valley Bank (Chico CA)'s earnings are expected to grow by 5.8% yearly, however this is not considered high growth (20% yearly).

Unable to compare Golden Valley Bank (Chico CA)'s revenue growth to the United States of America market average as no estimate data is available.

Golden Valley Bank (Chico CA)'s earnings growth is positive but not above the United States of America market average.

Golden Valley Bank (Chico CA)'s earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Golden Valley Bank (Chico CA) will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Golden Valley Bank (Chico CA) performed over the past 5 years?

9.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Golden Valley Bank (Chico CA)'s year on year earnings growth rate has been positive over the past 5 years.

Golden Valley Bank (Chico CA)'s 1-year earnings growth exceeds its 5-year average (34.4% vs 9.4%)

Golden Valley Bank (Chico CA)'s earnings growth has exceeded the US Banks industry average in the past year (34.4% vs 33.2%).


Return on Equity

Golden Valley Bank (Chico CA) has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Golden Valley Bank (Chico CA) used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Golden Valley Bank (Chico CA) improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Golden Valley Bank (Chico CA)'s financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Golden Valley Bank (Chico CA) has an acceptable proportion of non-loan assets held.

Golden Valley Bank (Chico CA) has a sufficient allowance for bad loans.

Golden Valley Bank (Chico CA)'s liabilities are made up of primarily low risk sources of funding.

Golden Valley Bank (Chico CA)'s level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Golden Valley Bank (Chico CA) are broadly funded by customer deposits.

Golden Valley Bank (Chico CA) has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Golden Valley Bank (Chico CA)'s current dividend yield, its reliability and sustainability?

1.30%

Current Dividend Yield


Dividend Yield and Payments Analysis

Golden Valley Bank (Chico CA)'s pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Golden Valley Bank (Chico CA)'s dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Whilst dividend payments have been stable, Golden Valley Bank (Chico CA) has been paying a dividend for less than 10 years.

Dividend payments have increased, but Golden Valley Bank (Chico CA) only paid a dividend in the past 7 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (5.9x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Golden Valley Bank (Chico CA)'s salary, the management and board of directors tenure and is there insider trading?

1.1yrs

Average management tenure


CEO

Mark Francis (61yo)

13.3yrs

Tenure

Mr. Mark A. Francis serves as the Chief Executive Officer and President of Golden Valley Bank (Chico, CA). Mr. Francis served as an Executive Vice President of Commercial Banking at Umpqua Bank, California ...


Management Age and Tenure

1.1yrs

Average Tenure

61yo

Average Age

The average tenure for the Golden Valley Bank (Chico CA) management team is less than 2 years, this suggests a new team.


Board Age and Tenure

13.3yrs

Average Tenure

69yo

Average Age

The average tenure for the Golden Valley Bank (Chico CA) board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Jocali Nakao

    AVP, Compliance Officer & BSA Officer

    • Tenure: 1.6yrs
  • Syl Lucena (81yo)

    Secretary & Director

    • Tenure: 6.3yrs
  • Jim Doss (58yo)

    Chief Credit Officer

    • Tenure: 12.1yrs
  • Natasha Beehner

    Assistant VP & Marketing Manager

    • Tenure: 0.6yrs
  • Barbara Crouse

    Chief Financial Officer

    • Tenure: 0.3yrs
  • Tracie Cvitkovich

    Executive Administrative Assistant

  • Diann Carman

    Senior VP & Director of Business Development

    • Tenure: 0.6yrs
  • Terri Morris

    Human Resources Officer

  • Mark Francis (61yo)

    President

    • Tenure: 13.3yrs
  • Kim Odman

    Controller

    • Tenure: 0.3yrs

Board Members

  • Marilyn Everett (70yo)

    Director

    • Tenure: 13.6yrs
  • Syl Lucena (81yo)

    Secretary & Director

    • Tenure: 13.6yrs
  • Jim Doss (58yo)

    Chief Credit Officer

    • Tenure: 0.1yrs
  • Robert Harp (59yo)

  • R. Chalmers (71yo)

    Director

    • Tenure: 13.6yrs
  • Doug Guillon (69yo)

    Director

    • Tenure: 13.6yrs
  • Don Hubbard (68yo)

    Chairman of The Board

    • Tenure: 6.3yrs
  • Tim Tittle

    Vice Chairman of the Board

    • Tenure: 2.6yrs
  • Mark Francis (61yo)

    President

    • Tenure: 13.3yrs
  • W. Isom (87yo)

    Director

    • Tenure: 2.6yrs

Company Information

Golden Valley Bank (Chico, CA)'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Golden Valley Bank (Chico, CA)
  • Ticker: GVYB
  • Exchange: OTCPK
  • Founded: 2006
  • Industry: regional banks
  • Sector: banks
  • Market Cap: US$32.138m
  • Shares outstanding: 2.30m
  • Website: Click here

Location

  • Golden Valley Bank (Chico, CA)
  • 190 Cohasset Road
  • Suite 170
  • Chico
  • California
  • 95926
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
GVYBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDAug 2006

Biography

Golden Valley Bank (Chico, CA) provides various banking products and services in California. The company offers a range of personal and business banking services, including checking and money market, savin ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/18 00:06
End of Day Share Price2019/08/16 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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 here.