OTCPK:MVLY

Stock Analysis Report

Mission Valley Bancorp

Executive Summary

Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank that provides various banking services to individuals and corporate customers.

Snowflake

Fundamentals

Flawless balance sheet with concerning outlook.

Risks

  • Mission Valley Bancorp is not covered by any analysts.

Similar Companies

Share Price & News

How has Mission Valley Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.8%

OTCPK:MVLY

0.3%

US Banks

0.9%

US Market


1 Year Return

-17.6%

OTCPK:MVLY

-13.6%

US Banks

0.3%

US Market

MVLY underperformed the Banks industry which returned -14.2% over the past year.

MVLY underperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

MVLYIndustryMarket
7 Day-1.8%0.3%0.9%
30 Day-1.6%-5.1%-1.9%
90 Day-5.5%-3.5%1.6%
1 Year-17.1%-17.6%-11.2%-13.6%2.6%0.3%
3 Year79.0%75.0%43.6%33.7%41.0%31.8%
5 Year134.7%127.6%53.7%37.0%55.2%38.0%

Price Volatility Vs. Market

How volatile is Mission Valley Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mission Valley Bancorp undervalued based on future cash flows and its price relative to the stock market?

12%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Mission Valley Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Mission Valley Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Mission Valley Bancorp is overvalued based on earnings compared to the US Banks industry average.

Mission Valley Bancorp is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Mission Valley Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Mission Valley Bancorp is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Mission Valley Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

10.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Mission Valley Bancorp is high growth as no revenue estimate data is available.

Mission Valley Bancorp's earnings are expected to grow by 10.1% yearly, however this is not considered high growth (20% yearly).

Unable to compare Mission Valley Bancorp's revenue growth to the United States of America market average as no estimate data is available.

Mission Valley Bancorp's earnings growth is positive but not above the United States of America market average.

Mission Valley Bancorp'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 Mission Valley Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Mission Valley Bancorp performed over the past 5 years?

13.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Mission Valley Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Mission Valley Bancorp's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Mission Valley Bancorp's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Mission Valley Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Mission Valley Bancorp 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 Mission Valley Bancorp 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 Mission Valley Bancorp'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Mission Valley Bancorp has an acceptable proportion of non-loan assets held.

Mission Valley Bancorp has a sufficient allowance for bad loans.

Mission Valley Bancorp's liabilities are made up of primarily low risk sources of funding.

Mission Valley Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Mission Valley Bancorp are broadly funded by customer deposits.

Mission Valley Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Mission Valley Bancorp's current dividend yield, its reliability and sustainability?

0.71%

Current Dividend Yield


Dividend Yield and Payments Analysis

Mission Valley Bancorp's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Mission Valley Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

Mission Valley Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

Mission Valley Bancorp is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Mission Valley Bancorp's dividends as it is not paying a notable one for United States of America.


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 Mission Valley Bancorp's salary, the management and board of directors tenure and is there insider trading?

7.0yrs

Average management tenure


CEO

Tamara Gurney (66yo)

14.6yrs

Tenure

0

Ms. Tamara G. Gurney serves as President, Chief Executive Officer and Director of Mission Valley Bancorp and Mission Valley Bank (“Mission Valley”). Ms. Gurney’s career in banking began in 1974 at Bank of  ...


Management Age and Tenure

7.0yrs

Average Tenure

The average tenure for the Mission Valley Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

5.9yrs

Average Tenure

65yo

Average Age

The tenure for the Mission Valley Bancorp board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Linda Rousseau

    Executive VP

    • Tenure: 3.4yrs
  • Tamara Gurney (66yo)

    President

    • Tenure: 14.6yrs
  • Marianne Cederlind

    Executive VP & Chief Business Banking Officer

    • Tenure: 3.4yrs
  • Jahun Smith

    Senior VP & Regional Sales Manager

    • Tenure: 0.0yrs
  • Diane Auten (59yo)

    Executive VP & CFO

    • Tenure: 10.6yrs
  • Roy Fisher

    Senior VP & Operations Administrator

    • Tenure: 0.0yrs
  • Yolanda Ortiz

    VP and Compliance & Risk Manager

    • Tenure: 0.0yrs
  • Jeff Watson

    Executive VP & COO

    • Tenure: 0.0yrs
  • Petra Hatzesberger

    VP & Human Resources Manager

    • Tenure: 0.0yrs
  • Daniel Epstein

    Executive VP & Chief Credit Officer

    • Tenure: 0.0yrs

Board Members

  • Earle Wasserman (85yo)

    Chairman of the Board

    • Tenure: 13.6yrs
  • Jerold Neuman (56yo)

    Director

    • Tenure: 14.6yrs
  • Tamara Gurney (66yo)

    President

    • Tenure: 14.6yrs
  • Kathie Kellogg (65yo)

    Director

    • Tenure: 4.6yrs
  • Ara Oghoorian

    Director

    • Tenure: 1.4yrs
  • John Miller (40yo)

    Director

    • Tenure: 7.2yrs
  • John Parker (62yo)

    Director

    • Tenure: 4.6yrs
  • Eric Sato (67yo)

    Director

    • Tenure: 2.6yrs

Company Information

Mission Valley Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mission Valley Bancorp
  • Ticker: MVLY
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$45.267m
  • Shares outstanding: 3.23m
  • Website: https://www.missionvalleybank.com

Location

  • Mission Valley Bancorp
  • 9116 Sunland Boulevard
  • Sun Valley
  • California
  • 91352
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MVLYOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 2004

Biography

Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank that provides various banking services to individuals and corporate customers. The company’s deposit products include non ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 23:58
End of Day Share Price2019/08/15 00:00
Earnings2019/06/30
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.