Pacific Valley Bancorp Past Earnings Performance

Past criteria checks 2/6

Pacific Valley Bancorp has been growing earnings at an average annual rate of 12.8%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 9.7% per year. Pacific Valley Bancorp's return on equity is 8.1%, and it has net margins of 23.3%.

Key information

12.8%

Earnings growth rate

9.4%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	9.7%
Return on equity	8.1%
Net Margin	23.3%
Last Earnings Update	30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

How Pacific Valley Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:PVBK Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	19	4	9
30 Jun 24	19	5	9
31 Mar 24	19	5	0
31 Dec 23	20	5	9
30 Sep 23	20	5	9
30 Jun 23	19	5	9
31 Mar 23	20	5	9
31 Dec 22	20	5	9
30 Sep 22	19	5	8
30 Jun 22	18	4	8
31 Mar 22	17	4	8
31 Dec 21	17	4	8
30 Sep 21	17	4	7
30 Jun 21	16	4	7
31 Mar 21	15	4	7
31 Dec 20	14	3	7
30 Sep 20	14	3	7
30 Jun 20	13	3	7
31 Mar 20	13	3	7
31 Dec 19	13	3	7
30 Sep 19	13	3	6
30 Jun 19	13	3	6
31 Mar 19	12	2	7
31 Dec 18	12	2	7
30 Sep 18	12	2	6
31 Dec 17	12	2	6
31 Dec 13	8	6	0

Quality Earnings: PVBK has high quality earnings.

Growing Profit Margin: PVBK's current net profit margins (23.3%) are lower than last year (25%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PVBK's earnings have grown by 12.8% per year over the past 5 years.

Accelerating Growth: PVBK's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PVBK had negative earnings growth (-8.2%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: PVBK's Return on Equity (8.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/25 03:10
End of Day Share Price	2024/12/23 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

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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

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.

Analyst	Institution