Mission Valley Bancorp (MVLY)

OTHER OTC:MVLY

MVLY

Mission Valley Bancorp

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Mission Valley Bancorp (MVLY) Price & Analysis

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MVLY Stock Chart & Stats

$18.42

-$0.20(-1.18%)

At close: Jan 07 4:00 PM EST

$18.42

-$0.20(-1.18%)

Day’s Range― - ―

52-Week Range$15.01 - $19.19

Previous CloseN/A

Volume2.00K

Average Volume (3M)816.00

Market Cap

$60.44M

Enterprise Value$57.73M

Total Cash (Recent Filing)$62.39M

Total Debt (Recent Filing)$65.79M

Price to Earnings (P/E)8.8

Beta0.09

Next Earnings

Aug 03, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield0.79%

Share Statistics

EPS (TTM)1.60

Shares Outstanding3,245,871

10 Day Avg. Volume2,360

30 Day Avg. Volume816

Financial Highlights & Ratios

PEG Ratio0.26

Price to Book (P/B)0.86

Price to Sales (P/S)1.01

P/FCF Ratio10.53

Enterprise Value/Market Cap0.96

Enterprise Value/Revenue1.07

Enterprise Value/Gross Profit1.56

Enterprise Value/Ebitda3.49

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

Sustained Revenue ScalingMulti-year revenue growth indicates durable customer traction in core commercial banking services. Scaling revenues from ~$20M to ~$58M suggests the franchise has expanded lending and deposit activity across small and mid-sized business clients, supporting long-term earnings capacity.

Improved Balance Sheet LeverageMaterial reduction in leverage and equity growth improve solvency and capital flexibility for lending and loss absorption. A stronger capital base and larger asset base (~$760M) support sustainable growth and regulatory resilience for a regional/community bank franchise.

Positive Cash GenerationConsistent positive operating and free cash flow over recent years supports quality of earnings and internal funding for growth or capital needs. FCF roughly three-quarters of net income implies cash conversion that underpins franchise durability and dividend or reinvestment capacity.

Bears Say

Margin CompressionDeclining net and operating margins versus earlier years suggest pressure on spreads or higher operating costs. Sustained margin compression would reduce profitability per dollar of revenue and limit ability to reinvest, widen buffers, or sustain ROE through rate or competitive cycles.

Cash-Flow VolatilityIntermittent negative operating and free cash flow in prior periods indicates earnings quality and liquidity can swing with credit cycles or funding shifts. Persistent volatility increases risk to dividend, lending capacity and capital planning during stress periods.

Variable Leverage HistoryWide historical swings in leverage imply management or market-driven balance-sheet adjustments that can magnify earnings volatility. Variable leverage reduces predictability of returns and can force deleveraging actions that constrain growth or require capital raises in adverse periods.

MVLY FAQ

What was Mission Valley Bancorp’s price range in the past 12 months?

Mission Valley Bancorp lowest stock price was $15.01 and its highest was $19.19 in the past 12 months.

What is Mission Valley Bancorp’s market cap?

Mission Valley Bancorp’s market cap is $60.44M.

When is Mission Valley Bancorp’s upcoming earnings report date?

Mission Valley Bancorp’s upcoming earnings report date is Aug 03, 2026 which is in 59 days.

How were Mission Valley Bancorp’s earnings last quarter?

Mission Valley Bancorp released its earnings results on May 02, 2026. The company reported $0.212 earnings per share for the quarter, beating the consensus estimate of N/A by $0.212.

Is Mission Valley Bancorp overvalued?

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

Does Mission Valley Bancorp pay dividends?

Mission Valley Bancorp pays a Notavailable dividend of $0.15 which represents an annual dividend yield of 0.79%. 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 3,245,871 shares outstanding.

What happened to Mission Valley Bancorp’s price movement after its last earnings report?

Mission Valley Bancorp reported an EPS of $0.212 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 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

Mission Valley Bancorp Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

10.90%

Trailing 12-Months

Asset Growth

9.55%

Trailing 12-Months

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Company Description

Mission Valley Bancorp

Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank that provides various banking services to individuals and corporate customers. The company's deposit products include non-interest bearing and interest-bearing demand deposits, and time deposits; and money market, savings, and checking accounts, as well as certificates of deposit. Its loan portfolio comprises personal loans; accounts receivable, apartment, and automobile and truck financing; and commercial real estate, equipment, small business administration, and term loans, as well as credit and debit cards, credit lines, and letters of credit. The company also provides merchant bankcard, account reconciliation, cashier checks, collection, deposit courier, electronic tax payment, night drop, online banking, remote deposit, payroll, safe deposit box, touchtone banking, zero balance accounting, and insurance services. It operates through two branches located in Sun Valley and Santa Clarita, California. The company was founded in 2001 and is headquartered in Sun Valley, California.