OTCPK:PVBK

Stock Analysis Report

Executive Summary

Pacific Valley Bank provides personal and business banking products and services in the United States.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • Pacific Valley Bank is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

0.6%

OTCPK:PVBK

-2.6%

US Banks

-1.0%

US Market


1 Year Return

-21.5%

OTCPK:PVBK

-14.2%

US Banks

-0.4%

US Market

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

PVBK underperformed the Market in United States of America which returned -0.4% over the past year.


Share holder returns

PVBKIndustryMarket
7 Day0.6%-2.6%-1.0%
30 Day-2.2%-6.3%-3.3%
90 Day-8.2%-3.5%0.8%
1 Year-21.5%-21.5%-11.8%-14.2%1.9%-0.4%
3 Year48.5%48.5%42.2%32.4%39.4%30.4%
5 Year44.8%44.8%53.3%36.7%54.2%37.1%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

13.34x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Pacific Valley Bank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Pacific Valley Bank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Pacific Valley Bank is overvalued based on earnings compared to the US Banks industry average.

Pacific Valley Bank is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

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


Price Based on Value of Assets

Pacific Valley Bank is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

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

11.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Pacific Valley Bank is high growth as no revenue estimate data is available.

Pacific Valley Bank's earnings are expected to grow by 11.3% yearly, however this is not considered high growth (20% yearly).

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

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

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


Next Steps

Past Performance

How has Pacific Valley Bank performed over the past 5 years?

34.7%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Pacific Valley Bank's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Pacific Valley Bank's 1-year earnings growth to the 5-year average due to insufficient past data.

Pacific Valley Bank's earnings growth has exceeded the US Banks industry average in the past year (34.7% vs 33.3%).


Return on Equity

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


Return on Assets

Pacific Valley Bank 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 Pacific Valley Bank 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 Pacific Valley Bank'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

Pacific Valley Bank has an acceptable proportion of non-loan assets held.

Pacific Valley Bank has a sufficient allowance for bad loans.

Pacific Valley Bank's liabilities are made up of primarily low risk sources of funding.

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

Loans at Pacific Valley Bank are broadly funded by customer deposits.

Pacific Valley Bank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Pacific Valley Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Pacific Valley Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Pacific Valley Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Pacific Valley Bank has not reported any payouts.

Unable to verify if Pacific Valley Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Pacific Valley Bank has not reported any payouts.


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

3.1yrs

Average management tenure


CEO

Anker Fanoe 0

2.6yrs

Tenure

0

Mr. Anker Fanoe has been President of Pacific Valley Bank since February 22, 2017 and has been its Chief Executive Officer since November 15, 2017. Mr. Fanoe served as Regional President for South Central  ...


Management Age and Tenure

3.1yrs

Average Tenure

The tenure for the Pacific Valley Bank management team is about average.


Board Age and Tenure

10.3yrs

Average Tenure

66yo

Average Age

The average tenure for the Pacific Valley Bank board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Management Team

  • Lee-Ann Cimino (55yo)

    Executive VP & CFO

    • Tenure: 2.5yrs
  • Sal Russo

    Vice President and Business Development Officer

    • Tenure: 12.3yrs
  • Carol Corsetti

    Chief Credit Officer & Executive VP

    • Tenure: 3.6yrs
  • Anker Fanoe

    President

    • Tenure: 2.6yrs
  • Patti Johannsen

    VP & Controller

    • Tenure: 0.0yrs

Board Members

  • Andrew Ausonio (57yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$30.00k
  • Michael Cling (69yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$30.00k
  • Lou Cosentino (64yo)

    Director

    • Tenure: 15.6yrs
    • Compensation: US$30.00k
  • Anthony Cosentino (48yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$30.00k
  • Guillermo Nieto (68yo)

    Director

    • Tenure: 10.3yrs
    • Compensation: US$30.00k
  • Anker Fanoe

    President

    • Tenure: 2.6yrs
  • Joe Robello (69yo)

    Chairman of the Board

    • Tenure: 5.6yrs
    • Compensation: US$30.00k
  • Sheri Cline

    Member of Advisory Board

    • Tenure: 0.0yrs
  • Robert LaBrier

    Director

    • Tenure: 4.6yrs
  • Gordon Rubbo

    Director

    • Tenure: 4.6yrs

Company Information

Pacific Valley Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Pacific Valley Bank
  • Ticker: PVBK
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$35.412m
  • Shares outstanding: 3.96m
  • Website: https://www.pacificvalleybank.com

Location

  • Pacific Valley Bank
  • 422 Main Street
  • Salinas
  • California
  • 93901
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PVBKOTCPK (Pink Sheets LLC)YesCommon StockUSUSDSep 2004

Biography

Pacific Valley Bank provides personal and business banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts, as well as cer ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/19 00:04
End of Day Share Price2019/08/16 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.