Golden Valley Bank (GVYB) AI Stock Analysis

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Golden Valley Bank

(Other OTC:GVYB)

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Rating:77Outperform

Price Target:$28.00▲(14.87% Upside)

Action:reiterated

Date:11/07/26

Strong financial performance is the primary support, driven by growth, lower leverage, and improved returns. Attractive valuation adds to the score, while technical indicators point to only moderate momentum. No earnings-call or corporate-event adjustment was applied because no usable data was provided.

Positive Factors

Steady Revenue GrowthSustained revenue growth indicates that the bank has expanded its earning base over several years rather than relying on a single exceptional period. The stronger 2025 increase provides additional operating momentum and supports continued investment in the franchise.

Negative Factors

Earnings CyclicalityThe history of materially changing margins and earnings suggests that results are sensitive to the rate and credit cycle. This variability can make sustainable earnings power harder to assess and may produce uneven profitability even after the recent recovery.

Golden Valley Bank (GVYB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $53.22M
Dividend Yield: 1.78%
Average Volume (3M): 1,309
Price to Earnings (P/E): 10.2
Beta (1Y): -0.07
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...

Golden Valley Bank Financial Statement Overview

Summary

Strong revenue, asset, and equity growth; improved leverage and 15.1% ROE support a healthy financial profile. Cash flow is reliable, though margin volatility and low obligation coverage temper the score.

Income Statement

82Very Positive

Balance Sheet

88Very Positive

Cash Flow

75Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	28.06M	27.16M	22.64M	20.40M	17.02M	16.84M
Gross Profit	19.67M	18.98M	15.85M	15.97M	16.27M	16.37M
EBITDA	6.35M	7.24M	5.23M	5.96M	5.20M	7.91M
Net Income	5.80M	4.62M	3.24M	3.75M	4.58M	5.16M
Balance Sheet
Total Assets	624.85M	591.59M	536.29M	488.56M	478.54M	473.72M
Cash, Cash Equivalents and Short-Term Investments	9.52M	23.28M	88.48M	42.42M	25.31M	46.90M
Total Debt	5.98M	5.94M	7.05M	7.37M	6.89M	1.41M
Total Liabilities	582.69M	548.51M	497.59M	453.94M	451.39M	435.06M
Stockholders Equity	42.16M	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

Technical Analysis SentimentNegative

Last Price24.38

Price Trends

50DMA24.43Negative

100DMA24.97Negative

200DMA24.06Positive

Market Momentum

MACD0.00Negative

RSI48.98Neutral

STOCH26.81Neutral

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 24.38 is above the 20-day moving average (MA) of 24.36, below the 50-day MA of 24.43, and above the 200-day MA of 24.06, indicating a neutral trend. The MACD of 0.00 indicates Negative momentum. The RSI at 48.98 is Neutral, neither overbought nor oversold. The STOCH value of 26.81 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

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

GVYB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	84Outperform	$114.49M	5.17	16.39%	―	24.01%	20.16%
GVYB	77Outperform	$53.86M	10.15	13.42%	1.78%	11.72%	28.24%
HFBL	74Outperform	$72.73M	10.63	11.12%	2.55%	7.94%	43.98%
ASRV	70Outperform	$80.53M	9.16	7.48%	2.54%	2.43%	75.47%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TCBS	63Neutral	$49.85M	15.05	5.83%	1.44%	2.23%	33.79%

* Financial Sector Average

Performance Comparison

GVYB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GVYB	Golden Valley Bank	24.38	4.26	21.20%
ASRV	AmeriServ Financial, Inc.	4.73	1.79	60.77%
HFBL	Home Federal Bancorp Inc. Of Louisiana	22.36	7.15	46.96%
OPHC	Optimumbank	8.96	4.76	113.33%
TCBS	Texas Community Bancshares, Inc.	17.40	1.64	10.40%

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.

Date of analysis: Nov 07, 2026

Golden Valley Bank AI Stock Analysis