Golden Valley Bank (GVYB)

OTHER OTC:GVYB

GVYB

Golden Valley Bank

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Golden Valley Bank (GVYB) Price & Analysis

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GVYB Stock Chart & Stats

$21.62

-$0.02(-0.12%)

At close: Jan 07 4:00 PM EST

$21.62

-$0.02(-0.12%)

Day’s Range― - ―

52-Week Range$17.20 - $25.00

Previous CloseN/A

Volume500.00

Average Volume (3M)955.00

Market Cap

$52.86M

Enterprise Value$30.41M

Total Cash (Recent Filing)$25.13M

Total Debt (Recent Filing)$5.92M

Price to Earnings (P/E)8.9

Beta-0.05

Next Earnings

Jul 20, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield1.8%

Share Statistics

EPS (TTM)1.69

Shares Outstanding2,285,818

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 Cap0.58

Enterprise Value/Revenue1.22

Enterprise Value/Gross Profit1.75

Enterprise Value/Ebitda5.73

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

Bulls Say, Bears Say

Bulls Say

Conservative LeverageAn improving debt-to-equity (~0.14) and rising equity provide a stronger capital cushion, reducing funding and solvency risk across cycles. Conservative leverage increases resilience to credit losses and gives management capacity to support lending or absorb shocks while growing prudently.

Strong Cash ConversionNear-unity FCF-to-net-income shows the bank reliably converts earnings into cash, supporting internal funding for lending, reserves, and distributions. Consistent positive operating cash flow reduces reliance on volatile external funding and enhances long-term liquidity and financial flexibility.

Revenue Growth & Profitability ReboundSustained revenue growth combined with a meaningful rebound in margins and ROE reflects improving core earnings power and more efficient capital use. Higher ROE increases options for reinvestment, capital building, or payouts, strengthening the franchise over a multi-quarter horizon.

Bears Say

Cyclicality In Margins & Cash FlowVolatile margins and lumpy free cash flow indicate earnings sensitivity to interest-rate and credit cycles, complicating capital planning and provisioning. This increases the probability of profit and cash-flow swings, making long-term forecasting and steady shareholder returns harder to sustain.

Asset Growth Could Pressure UnderwritingMaterial asset expansion risks outpacing underwriting controls and risk infrastructure. For a regional bank, rapid balance-sheet growth can raise loan-quality deterioration or higher reserves if risk management and credit oversight don't scale in tandem, threatening longer-term asset quality.

Limited Scale / Small WorkforceA very small employee base limits product diversification, operational redundancy, and investment capacity in systems and controls. Limited scale can amplify operational and execution risk as the bank grows, constrain strategic initiatives, and reduce resilience versus larger, better-resourced peers.

GVYB FAQ

What was Golden Valley Bank’s price range in the past 12 months?

Golden Valley Bank lowest stock price was $17.20 and its highest was $25.00 in the past 12 months.

What is Golden Valley Bank’s market cap?

Golden Valley Bank’s market cap is $52.86M.

When is Golden Valley Bank’s upcoming earnings report date?

Golden Valley Bank’s upcoming earnings report date is Jul 20, 2026 which is in 34 days.

How were Golden Valley Bank’s earnings last quarter?

Golden Valley Bank released its earnings results on Apr 09, 2026. The company reported $0.583 earnings per share for the quarter, beating the consensus estimate of N/A by $0.583.

Is Golden Valley Bank overvalued?

According to Wall Street analysts Golden Valley Bank’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Golden Valley Bank pay dividends?

Golden Valley Bank pays a Annually dividend of $0.44 which represents an annual dividend yield of 1.8%. See more information on Golden Valley Bank dividends here

What is Golden Valley Bank’s EPS estimate?

Golden Valley Bank’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Golden Valley Bank have?

Golden Valley Bank has 2,285,818 shares outstanding.

What happened to Golden Valley Bank’s price movement after its last earnings report?

Golden Valley Bank reported an EPS of $0.583 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went same 0%.

Which hedge fund is a major shareholder of Golden Valley Bank?

Currently, no hedge funds are holding shares in GVYB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

Golden Valley Bank

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 requirements of both individuals and businesses throughout northern California. The bank offers its complete range of services through full-service branches situated in Chico and Redding, California. For further details, interested parties may call (530) 894-1000 or visit their official website at goldenvalley.bank.