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Mission Valley Bancorp (MVLY)
OTHER OTC:MVLY
US Market
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Mission Valley Bancorp (MVLY) Price & Analysis

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MVLY Stock Chart & Stats

$21.92
$0.00(0.00%)
At close: 4:00 PM EDT
$21.92
$0.00(0.00%)

Bulls Say, Bears Say

Bulls Say
Multi-year Revenue GrowthSustained 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 LeverageMaterial 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 GenerationConsistent 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 CompressionSustained 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 VolatilityIntermittent 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 VariabilityWide 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 $15.50 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 $73.39M.
      When is Mission Valley Bancorp’s upcoming earnings report date?
      Mission Valley Bancorp’s upcoming earnings report date is Nov 02, 2026 which is in 52 days.
        How were Mission Valley Bancorp’s earnings last quarter?
        Mission Valley Bancorp released its earnings results on Jul 31, 2026. The company reported $0.54 earnings per share for the quarter.
          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 Annually dividend of $0.15 which represents an annual dividend yield of 0.68%. 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 $0.54 in its last earnings report. Following the earnings report the stock price went up 2.868%.
                  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

                    5
                    Neutral
                    1
                    2
                    3
                    4
                    5
                    6
                    7
                    8
                    9
                    10

                    Technicals

                    SMA
                    Positive
                    20 days / 200 days
                    Momentum
                    41.10%
                    12-Months-Change

                    Fundamentals

                    Return on Equity
                    0.68%
                    Trailing 12-Months
                    Asset Growth
                    5.75%
                    Trailing 12-Months
                    Learn more about TipRanks Smart Score

                    Company Description

                    Mission Valley Bancorp

                    Mission Valley Bancorp, established in 2001 with its headquarters in Sun Valley, California, functions as the parent entity for Mission Valley Bank. This financial institution delivers a comprehensive array of banking solutions to both individual customers and corporate clients. Its deposit product lineup features diverse checking options (including both interest-bearing and non-interest-bearing demand accounts), savings accounts, money market accounts, and various time deposit offerings, such as certificates of deposit. The bank's extensive lending portfolio encompasses personal financing, commercial real estate and apartment loans, equipment and Small Business Administration (SBA) loans, term loans, and specialized financing for accounts receivable, automobiles, and trucks. Furthermore, it provides credit and debit cards, lines of credit, and letters of credit. Beyond these core services, Mission Valley Bank offers a broad spectrum of additional conveniences. These include merchant bankcard processing, electronic tax payment, account reconciliation, zero balance accounting, payroll services, and collection services. For customer convenience, it supports online banking, remote deposit, touchtone banking, night deposit, and deposit courier services, along with offering cashier checks, safe deposit boxes, and insurance. The bank conducts its operations from two branches situated in California: its primary office in Sun Valley and a second location in Santa Clarita.

                    Mission Valley Bancorp (MVLY) Earnings & Revenues

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                    Ownership Overview

                    2.34%97.66%
                    Insiders
                    Mutual Funds
                    2.34% Other Institutional Investors
                    97.66% Public Companies and
                    Individual Investors
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