OTCPK:PVBK

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Adequate balance sheet and fair value.

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

Stable Share Price: PVBK has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-1.7%

PVBK

0.06%

US Banks

2.6%

US Market


1 Year Return

-30.4%

PVBK

-22.0%

US Banks

15.4%

US Market

Return vs Industry: PVBK underperformed the US Banks industry which returned -22.7% over the past year.

Return vs Market: PVBK underperformed the US Market which returned 16.2% over the past year.


Shareholder returns

PVBKIndustryMarket
7 Day-1.7%0.06%2.6%
30 Day-0.2%4.5%6.1%
90 Day-10.0%5.4%16.6%
1 Year-30.4%-30.4%-19.3%-22.0%17.8%15.4%
3 Year-22.1%-22.1%-12.6%-19.6%43.9%34.7%
5 Year13.6%13.6%11.9%-1.6%76.2%57.3%

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

2 years ago | Simply Wall St

December Top Undervalued Stock

Valuation

Is Pacific Valley Bank undervalued compared to its fair value and its price relative to the market?

9.27x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate PVBK's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate PVBK's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: PVBK is good value based on its PE Ratio (9.3x) compared to the US Banks industry average (9.6x).

PE vs Market: PVBK is good value based on its PE Ratio (9.3x) compared to the US market (18.3x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PVBK's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PVBK is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

26.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Pacific Valley Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Examine whether Pacific Valley Bank is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Pacific Valley Bank's filings and announcementshere.
  • Explore growth companies in the Banks industry.

Past Performance

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

9.8%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: PVBK has high quality earnings.

Growing Profit Margin: PVBK's current net profit margins (21.2%) are higher than last year (20.3%).


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if PVBK's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Insufficient data to compare PVBK's past year earnings growth to its 5-year average.

Earnings vs Industry: PVBK earnings growth over the past year (9.8%) exceeded the Banks industry -3%.


Return on Equity

High ROE: PVBK's Return on Equity (7.5%) is considered low.


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


Financial Institutions Analysis

Asset Level: PVBK's Assets to Equity ratio (9.2x) is low.

Allowance for Bad Loans: Insufficient data to determine if PVBK has a sufficient allowance for bad loans.

Low Risk Liabilities: 100% of PVBK's liabilities are made up of primarily low risk sources of funding.

Loan Level: PVBK has an appropriate level of Loans to Assets ratio (79%).

Low Risk Deposits: PVBK's Loans to Deposits ratio (89%) is appropriate.

Level of Bad Loans: Insufficient data to determine if PVBK has an appropriate level of bad loans.


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate PVBK's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate PVBK's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if PVBK's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PVBK's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PVBK's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.1yrs

Average management tenure


CEO

Anker Fanoe

3.58yrs

Tenure

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 ...


Leadership Team

NamePositionTenureCompensationOwnership
Anker Fanoe
President3.58yrsno datano data
Lee-Ann Cimino
Executive VP & CFO3.5yrsno datano data
Sal Russo
Vice President and Business Development Officer13.25yrsno datano data
Carol Corsetti
Chief Credit Officer & Executive VP4.58yrsno datano data
Patti Johannsen
VP & Controllerno datano datano data

4.1yrs

Average Tenure

Experienced Management: PVBK's management team is considered experienced (4.1 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Anker Fanoe
President3.58yrsno datano data
Harry Wardwell
Director0.58yrno datano data
Andrew Ausonio
Independent Director16.58yrsUS$30.00kno data
Michael Cling
Independent Director16.58yrsUS$30.00kno data
Lucio Cosentino
Independent Director16.58yrsUS$30.00kno data
Anthony Cosentino
Independent Director11.25yrsUS$30.00kno data
Guillermo Nieto
Independent Director11.25yrsUS$30.00kno data
Joseph Robello
Independent Chairman of the Board6.58yrsUS$30.00kno data
Sheri Cline
Member of Advisory Boardno datano datano data
Robert LaBrier
Director5.58yrsno datano data
Gordon Rubbo
Director5.58yrsno datano data

8.9yrs

Average Tenure

69yo

Average Age

Experienced Board: PVBK's board of directors are considered experienced (8.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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$25.167m
  • Shares outstanding: 3.99m
  • 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 Analysis2020/08/06 00:22
End of Day Share Price2020/08/03 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


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.