OTCPK:GVYB

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Golden Valley Bank (Chico CA)

Executive Summary

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


Snowflake Analysis

Solid track record with adequate balance sheet.


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

Stable Share Price: GVYB has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

1.3%

GVYB

-0.7%

US Banks

1.3%

US Market


1 Year Return

-16.7%

GVYB

-23.5%

US Banks

14.9%

US Market

Return vs Industry: GVYB exceeded the US Banks industry which returned -23.5% over the past year.

Return vs Market: GVYB underperformed the US Market which returned 14.9% over the past year.


Shareholder returns

GVYBIndustryMarket
7 Day1.3%-0.7%1.3%
30 Day0%2.6%4.7%
90 Day7.0%4.8%17.1%
1 Year-16.7%-16.7%-20.8%-23.5%17.3%14.9%
3 Year3.1%1.0%-15.5%-22.2%38.9%29.9%
5 Year24.7%17.9%8.5%-4.7%71.3%52.8%

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 compared to its fair value and its price relative to the market?


Share Price vs. Fair Value

Below Fair Value: GVYB ($11.25) is trading above our estimate of fair value ($2.42)

Significantly Below Fair Value: GVYB is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: Insufficient data to calculate GVYB's PE Ratio to determine if it is good value compared to the US Banks industry average.

PE vs Market: Insufficient data to calculate GVYB's PE Ratio to determine if it is good value compared to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate GVYB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: Insufficient data to calculate GVYB's PB Ratio to determine if it is good value.


Next Steps

Future Growth

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

26.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Golden Valley Bank (Chico CA) has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

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

25.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: GVYB has high quality earnings.

Growing Profit Margin: GVYB's current net profit margins (31.9%) are higher than last year (27.3%).


Past Earnings Growth Analysis

Earnings Trend: GVYB's earnings have grown significantly by 25% per year over the past 5 years.

Accelerating Growth: GVYB's earnings growth over the past year (57.6%) exceeds its 5-year average (25% per year).

Earnings vs Industry: GVYB earnings growth over the past year (57.6%) exceeded the Banks industry -2.8%.


Return on Equity

High ROE: GVYB's Return on Equity (15.7%) is considered low.


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

Asset Level: GVYB's Assets to Equity ratio (11.7x) is moderate.

Allowance for Bad Loans: Insufficient data to determine if GVYB has a sufficient allowance for bad loans.

Low Risk Liabilities: 97% of GVYB's liabilities are made up of primarily low risk sources of funding.

Loan Level: GVYB has an appropriate level of Loans to Assets ratio (56%).

Low Risk Deposits: GVYB's Loans to Deposits ratio (63%) is appropriate.

Level of Bad Loans: Insufficient data to determine if GVYB has an appropriate level of bad loans.


Next Steps

Dividend

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

1.62%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: GVYB's dividend (1.62%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.66%).

High Dividend: GVYB's dividend (1.62%) is low compared to the top 25% of dividend payers in the US market (4.51%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, GVYB has been paying a dividend for less than 10 years.

Growing Dividend: GVYB's dividend payments have increased, but the company has only paid a dividend for 8 years.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.1yrs

Average management tenure


CEO

Mark Francis (62 yo)

14.33yrs

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
Mark Francis
President14.33yrsno datano data
Barbara Crouse
Chief Financial Officer1.33yrsno datano data
Tracie Cvitkovich
Executive Administrative Assistantno datano datano data
Jocali Nakao
AVP, Compliance Officer & BSA Officer2.58yrsno datano data
Natasha Beehner
Assistant VP & Marketing Manager1.58yrsno datano data
Terri Morris
Human Resources Officerno datano datano data
James Doss
Chief Credit Officer1.08yrsno datano data
Diann Carman
Senior VP & Director of Business Development1.58yrsno datano data
Sylvester Lucena
Secretary & Director14.58yrsno datano data
Kim Odman
Controller1.33yrsno datano data

2.1yrs

Average Tenure

62yo

Average Age

Experienced Management: GVYB's management team is considered experienced (2.1 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Mark Francis
President14.33yrsno datano data
James Doss
Chief Credit Officer1.08yrsno datano data
Sylvester Lucena
Secretary & Director14.58yrsno datano data
Gary Katz
Director14.58yrsno datano data
W. Isom
no datano datano data
Robert Harp
no datano datano data
Douglas Guillon
Director14.58yrsno datano data
Marilyn Everett
Director14.58yrsno datano data
Michael Baird
no datano datano data
Bill Bales
no datano datano data
Mark Kimmelshue
Vice Chairman of the Board0.33yrno datano data
Timothy Tittle
Chairman of the Board0.33yrno datano data

14.5yrs

Average Tenure

69yo

Average Age

Experienced Board: GVYB's board of directors are seasoned and experienced ( 14.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$25.852m
  • Shares outstanding: 2.30m
  • Website: https://www.goldenvalley.bank

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 Analysis2020/08/04 00:57
End of Day Share Price2020/08/03 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


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.