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Mission Valley Bancorp (MVLY) Stock Price & Analysis

MVLY Stock Chart & Stats

$21.69$0.73(3.48%)
At close: 10:46 AM EDT
$21$21.5$22$22.53 Aug18 Aug28 Aug16 Sep5 Oct14 Oct29 Oct
Day’s Range
$21.69 - $21.69
52-Week Range
$15.75 - $23.03
Previous Close
$20.96
Volume
N/A
Average Volume (3M)
262
Market Cap
$72.69M
Enterprise Value
$82.95M
Total Cash (Recent Filing)
$68.28M
Total Debt (Recent Filing)
$84.39M
Price to Earnings (P/E)
9.4
Beta
0.15
Next Earnings
Feb 08, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
May 18, 2026
Dividend Yield
0.69%

Bulls Say, Bears Say

Bulls Say

Multi-year Revenue Growth

Sustained multi-year revenue growth triples the business base and reflects successful deposit and lending expansion. A larger, diversified revenue base improves resiliency, supports investment in services and risk absorption, and underpins longer-term earnings stability and franchise value.

Improved Balance-sheet Leverage

Material deleveraging and equity growth enhance capital adequacy and financial flexibility. Lower leverage reduces failure risk in rate or credit stress, gives capacity to expand underwriting, and supports regulatory ratios—strengthening the firm’s ability to pursue steady, long-term commercial banking growth.

Positive Cash Generation

Consistent positive operating and free cash flow indicates real cash conversion of earnings, enabling internal funding for loan originations, capital needs, and potential shareholder returns. Reliable cash generation supports strategic reinvestment and reduces dependence on external financing.

Bears Say

Margin Compression

Sustained margin compression reduces core earnings power and increases sensitivity to interest-rate and funding-pressure scenarios. If spread or expense dynamics remain less favorable, the bank may face persistent lower returns on assets and diminished ability to fund growth without higher risk or cost controls.

Cash-flow Volatility

Intermittent negative cash flow years erode predictability of internal funding for lending and dividends. Volatility can force reliance on deposit swings or wholesale funding, heighten liquidity management demands, and raise the chance of capital actions during adverse cycles, weakening long-term stability.

Historical Leverage Variability

Wide historical swings in leverage suggest inconsistent balance-sheet management and increase earnings volatility across cycles. Variable gearing can constrain strategic planning, complicate regulatory compliance under stress, and elevate credit or market sensitivity that undermines steady long-term performance.

MVLY FAQ

What was Mission Valley Bancorp’s price range in the past 12 months?
Mission Valley Bancorp lowest stock price was $15.75 and its highest was $23.03 in the past 12 months.
What is Mission Valley Bancorp’s market cap?
Mission Valley Bancorp’s market cap is $72.69M.
When is Mission Valley Bancorp’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were Mission Valley Bancorp’s earnings last quarter?
Mission Valley Bancorp released its earnings results on Oct 30, 2026. The company reported $0.36 earnings per share for the quarter.
Is Mission Valley Bancorp overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does Mission Valley Bancorp pay dividends?
Mission Valley Bancorp pays a Annually dividend of $0.15 which represents an annual dividend yield of 0.69%. See more information on Mission Valley Bancorp dividends here
What is Mission Valley Bancorp’s EPS estimate?
Mission Valley Bancorp’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Mission Valley Bancorp have?
Mission Valley Bancorp has 3,351,343 shares outstanding.
What happened to Mission Valley Bancorp’s price movement after its last earnings report?
Mission Valley Bancorp reported an EPS of $0.36 in its last earnings report. Following the earnings report the stock price went same ―.
Which hedge fund is a major shareholder of Mission Valley Bancorp?
Currently, no hedge funds are holding shares in MVLY
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