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Golden Valley Bank (GVYB) AI Stock Analysis
Golden Valley Bank
(Other OTC:GVYB)
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.
Golden Valley Bank (GVYB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $53.64M
- Dividend Yield
- 1.78%
- Average Volume (3M)
- 1,278
- Price to Earnings (P/E)
- 10.2
- Beta (1Y)
- -0.04
- Revenue Growth
- 11.72%
- EPS Growth
- 28.24%
- Country
- US
- Employees
- 25
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 requirement...
How the Company Makes Money
null
Golden Valley Bank Financial Statement Overview
Summary
Solid fundamentals with steady revenue growth through 2025 and a notable profitability rebound (net margin improving to ~24% in 2025). Balance sheet leverage appears conservative with improving ROE (~15% in 2025). Key risks are cyclicality in margins/earnings and some year-to-year variability in free cash flow.
Income Statement
78PositiveBalance Sheet
81Very PositiveCash Flow
73Positive| 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 | 4.82M | 4.14M | 3.04M | 4.69M | 4.50M |
| Operating Cash Flow | 0 | 4.88M | 4.22M | 5.05M | 5.04M | 5.34M |
| Investing Cash Flow | 0 | -65.88M | -8.23M | 3.74M | -35.71M | -41.83M |
| Financing Cash Flow | 0 | 46.81M | 43.88M | 1.78M | 15.82M | 64.53M |
Golden Valley Bank Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GVYB, the sentiment is Neutral. The current price of 24.35 is above the 20-day moving average (MA) of 24.26, below the 50-day MA of 24.50, and above the 200-day MA of 23.93, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 48.72 is Neutral, neither overbought nor oversold. The STOCH value of 73.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GVYB.
Golden Valley Bank Peers Comparison
Overall Rating
OPHC83Outperform- GVYB77Outperform
ASRV70Outperform
TCBS65Neutral
HFBL64Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPHC | 83Outperform | $115.50M | 5.29 | 16.39% | ― | 24.01% | 20.16% |
| GVYB | 77Outperform | $53.58M | 10.23 | 13.42% | 1.78% | 11.72% | 28.24% |
| ASRV | 70Outperform | $83.42M | 9.14 | 7.48% | 2.44% | 2.43% | 75.47% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| TCBS | 65Neutral | $49.87M | 14.34 | 6.14% | 1.44% | 5.94% | 51.02% |
| HFBL | 64Neutral | $69.25M | 10.68 | 11.12% | 2.49% | 7.94% | 43.98% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GVYB | Golden Valley Bank | 24.35 | 4.93 | 25.35% | |
| ASRV | AmeriServ Financial, Inc. | 4.91 | 1.88 | 62.15% | |
| HFBL | Home Federal Bancorp Inc. Of Louisiana | 22.85 | 6.90 | 43.23% | |
| OPHC | Optimumbank | 9.15 | 5.05 | 123.17% | |
| TCBS | Texas Community Bancshares, Inc. | 17.36 | 1.70 | 10.83% |
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.
Date of analysis: Aug 06, 2026