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Golden Valley Bank
(OTC:GVYB)
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Rating:77Outperform
Price Target:
$30.00
▲(38.76% Upside)
Action:Reiterated
Date:08/06/26
Overall score is driven primarily by solid financial performance (revenue growth, improved 2025 profitability, and conservative leverage with stronger ROE), supported by bullish technicals (price above major moving averages and positive MACD). Valuation is reasonable with a modest dividend yield, but not compelling enough to lift the score further.
Positive Factors
Revenue Growth Trend
Steady top-line growth through 2020–2025, including a notable ~9% step-up in 2025, indicates durable expansion of core banking activity. Persistent revenue momentum supports scaling deposit and loan books, funding modest strategic investments and sustaining earnings over the coming quarters.
Negative Factors
Earnings and Margin Volatility
Historical swings in margins and earnings highlight sensitivity to interest-rate and credit cycles, making forward profitability less predictable. This cyclicality complicates capital planning, provisioning and target-setting, and increases the chance of material quarterly or multi-quarter earnings variability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Trend
Steady top-line growth through 2020–2025, including a notable ~9% step-up in 2025, indicates durable expansion of core banking activity. Persistent revenue momentum supports scaling deposit and loan books, funding modest strategic investments and sustaining earnings over the coming quarters.
Read all positive factors
Golden Valley Bank (GVYB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$56.69M
Dividend Yield1.75%
Average Volume (3M)955.00
Price to Earnings (P/E)10.7
Beta (1Y)-0.05
Revenue Growth14.26%
EPS Growth37.07%
CountryUS
Employees25
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,200,233
10 Day Avg. Volume667
30 Day Avg. Volume955
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)1.09
Price to Sales (P/S)1.72
P/FCF Ratio9.70
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Golden Valley Bank Business Overview & Revenue Model
Company Description
Golden Valley Bancshares, Inc. serves as a holding company, overseeing its wholly-owned operational entity, Golden Valley Bank. This commercial banking institution, established and managed locally, is dedicated to fulfilling the financial requirem...
How the Company Makes Money
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Golden Valley Bank Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
81
Very Positive
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 27.91M | 27.16M | 22.64M | 20.40M | 17.02M | 16.84M |
| Gross Profit | 19.76M | 18.98M | 15.85M | 15.97M | 16.27M | 16.37M |
| EBITDA | 6.74M | 7.24M | 5.23M | 5.96M | 5.20M | 7.91M |
| Net Income | 5.65M | 4.62M | 3.24M | 3.75M | 4.58M | 5.16M |
Balance Sheet | ||||||
| Total Assets | 604.76M | 591.59M | 536.29M | 488.56M | 478.54M | 473.72M |
| Cash, Cash Equivalents and Short-Term Investments | 8.80M | 23.28M | 88.48M | 42.42M | 25.31M | 46.90M |
| Total Debt | 5.97M | 5.94M | 7.05M | 7.37M | 6.89M | 1.41M |
| Total Liabilities | 560.78M | 548.51M | 497.59M | 453.94M | 451.39M | 435.06M |
| Stockholders Equity | 43.98M | 43.08M | 38.70M | 34.63M | 27.16M | 38.66M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 4.82M | 4.14M | 3.04M | 4.69M | 4.50M |
| Operating Cash Flow | 0.00 | 4.88M | 4.22M | 5.05M | 5.04M | 5.34M |
| Investing Cash Flow | 0.00 | -65.88M | -8.23M | 3.74M | -35.71M | -41.83M |
| Financing Cash Flow | 0.00 | 46.81M | 43.88M | 1.78M | 15.82M | 64.53M |
Golden Valley Bank Technical Analysis
Negative
21.62
Price Trends
25.43
Negative
24.31
Positive
23.11
Positive
Market Momentum
-0.24
Positive
32.26
Neutral
29.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GVYB, the sentiment is Negative. The current price of 21.62 is below the 20-day moving average (MA) of 25.49, below the 50-day MA of 25.43, and below the 200-day MA of 23.11, indicating a neutral trend. The MACD of -0.24 indicates Positive momentum. The RSI at 32.26 is Neutral, neither overbought nor oversold. The STOCH value of 29.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GVYB.
Golden Valley Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $110.32M | 5.19 | 16.39% | ― | 24.01% | 20.16% | |
77 Outperform | $56.69M | 10.69 | 13.41% | 1.80% | 14.26% | 37.07% | |
76 Outperform | $77.58M | 12.46 | 10.69% | 2.53% | 7.71% | 60.72% | |
73 Outperform | $82.35M | 9.46 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $49.76M | 14.43 | 5.66% | 1.30% | 5.94% | 51.02% |
* Financial Sector Average
GVYB
Golden Valley Bank
24.79
5.88
31.07%
ASRV
Ameriserv Financial
4.80
1.92
66.55%
HFBL
Home Federal Bancorp Of Louisiana
25.42
12.48
96.48%
OPHC
Optimumbank Holdings
8.98
4.74
111.79%
TCBS
Texas Community
17.31
1.25
7.77%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.