PVBK Stock Overview

Operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. More details

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

Rewards

Trading at 51.9% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($48M)

Community vs My Fair Value

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Pacific Valley Bancorp Competitors

Ballston Spa Bancorp

OTCPK:BSPA

US$46.4m

Lifestore Financial Group

OTCPK:LSFG

US$48.6m

CITBA Financial

OTCPK:CBAF

US$46.3m

Denali Bancorporation

OTCPK:DENI

US$45.4m

Price History & Performance

Summary of share price highs, lows and changes for Pacific Valley Bancorp
Historical stock prices
Current Share Price	US$9.65
52 Week High	US$9.91
52 Week Low	US$7.70
Beta	0.38
1 Month Change	-1.03%
3 Month Change	3.21%
1 Year Change	14.76%
3 Year Change	-3.59%
5 Year Change	47.43%
Change since IPO	31.06%

Recent updates

Shareholder Returns

	PVBK	US Banks	US Market
7D	0%	-5.8%	-4.1%
1Y	14.8%	14.9%	6.6%

Return vs Industry: PVBK matched the US Banks industry which returned 14.9% over the past year.

Return vs Market: PVBK exceeded the US Market which returned 6.6% over the past year.

Price Volatility

Is PVBK's price volatile compared to industry and market?
PVBK volatility
PVBK Average Weekly Movement	n/a
Banks Industry Average Movement	4.0%
Market Average Movement	6.4%
10% most volatile stocks in US Market	17.3%
10% least volatile stocks in US Market	3.4%

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

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

About the Company

Founded	Employees	CEO	Website
2004	n/a	Anker Fanoe	www.pacificvalleybank.com

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company provides personal and business banking, such as checking accounts, savings and money market accounts, and certificates of deposit; and business loans, including commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs. It offers online solutions comprising online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks, as well as cash management services; and debit card, incoming wire instructions, fraud prevention, identity theft, and FDIC insurance estimator services.

Pacific Valley Bancorp Fundamentals Summary

How do Pacific Valley Bancorp's earnings and revenue compare to its market cap?
PVBK fundamental statistics
Market cap	US$47.58m
Earnings (TTM)	US$4.42m
Revenue (TTM)	US$18.91m

10.8x

P/E Ratio

0.8x

P/B Ratio

Is PVBK overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PVBK income statement (TTM)
Revenue	US$18.91m
Cost of Revenue	US$0
Gross Profit	US$18.91m
Other Expenses	US$14.48m
Earnings	US$4.42m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.90
Gross Margin	100.00%
Net Profit Margin	23.40%
Debt/Equity Ratio	29.9%

How did PVBK perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/14 19:56
End of Day Share Price	2025/03/06 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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

Pacific 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.