MVLY Stock Overview

Operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. More details

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

Rewards

Trading at 45.4% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Profit margins (14.2%) are lower than last year (24.5%)

Does not have a meaningful market cap ($57M)

My Notes

Capture your thoughts, links and company narrative

Mission Valley Bancorp Competitors

Citizens Bancorp of Virginia

OTCPK:CZBT

US$63.3m

Oregon Pacific Bancorp

OTCPK:ORPB

US$57.1m

First Bancshares

OTCPK:FBSI

US$60.7m

Broadway Financial

NasdaqCM:BYFC

US$59.8m

Price History & Performance

Summary of share price highs, lows and changes for Mission Valley Bancorp
Historical stock prices
Current Share Price	US$17.00
52 Week High	US$17.00
52 Week Low	US$12.85
Beta	0.53
1 Month Change	0%
3 Month Change	14.09%
1 Year Change	17.24%
3 Year Change	16.44%
5 Year Change	18.30%
Change since IPO	183.33%

Recent updates

Shareholder Returns

	MVLY	US Banks	US Market
7D	0%	0.1%	-1.1%
1Y	17.2%	28.7%	22.4%

Return vs Industry: MVLY underperformed the US Banks industry which returned 28.7% over the past year.

Return vs Market: MVLY underperformed the US Market which returned 22.4% over the past year.

Price Volatility

Is MVLY's price volatile compared to industry and market?
MVLY volatility
MVLY Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.6%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
2001	n/a	Tamara Gurney	www.missionvalleybank.com

Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. The company’s deposit products include non-interest-bearing and interest-bearing demand deposits, savings, and time deposits; and certificates of deposit. It also offers accounts receivable loans, advanced restaurant financing loans, commercial loans, real estate loans, small business administration loans, and term loans; consumer loans; and overdraft facilities; as well as credit and debit cards.

Mission Valley Bancorp Fundamentals Summary

How do Mission Valley Bancorp's earnings and revenue compare to its market cap?
MVLY fundamental statistics
Market cap	US$56.88m
Earnings (TTM)	US$4.86m
Revenue (TTM)	US$34.19m

11.7x

P/E Ratio

1.0x

P/B Ratio

Is MVLY overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
MVLY income statement (TTM)
Revenue	US$34.19m
Cost of Revenue	US$0
Gross Profit	US$34.19m
Other Expenses	US$29.33m
Earnings	US$4.86m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.45
Gross Margin	100.00%
Net Profit Margin	14.22%
Debt/Equity Ratio	83.7%

How did MVLY perform over the long term?

See historical performance and comparison

Dividends

0.9%

Current Dividend Yield

n/a

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/01/01 03:57
End of Day Share Price	2024/12/30 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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 here.

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 .

Analyst Sources

Mission Valley Bancorp 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.

Analyst	Institution

Mission Valley Bancorp OTCPK:MVLY Stock Report