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Mission Valley Bancorp
(OTC:MVLY)
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Rating:72Outperform
Price Target:
$24.50
▲(11.36% Upside)
Action:Upgraded
Date:08/06/26
Overall score is driven primarily by solid financial performance (growth, profitability, and improved leverage) and strong technical trend signals. Valuation is supportive with a low-teens P/E and modest yield, while overbought momentum indicators temper the score due to increased near-term pullback risk.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Mission Valley Bancorp (MVLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$70.18M
Dividend Yield0.69%
Average Volume (3M)816.00
Price to Earnings (P/E)10.4
Beta (1Y)0.08
Revenue Growth-0.66%
EPS GrowthN/A
CountryUS
Employees39
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.13
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Mission Valley Bancorp Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
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Mission Valley Bancorp Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
74
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 41.21M | 58.18M | 52.85M | 40.50M | 30.32M | 23.18M |
| Gross Profit | 40.84M | 41.80M | 35.81M | 29.81M | 27.45M | 22.46M |
| EBITDA | 9.88M | 11.07M | 8.91M | 10.40M | 6.83M | 7.34M |
| Net Income | 7.16M | 8.03M | 6.23M | 7.36M | 4.77M | 4.96M |
Balance Sheet | ||||||
| Total Assets | 773.75M | 760.45M | 677.30M | 653.71M | 553.29M | 576.51M |
| Cash, Cash Equivalents and Short-Term Investments | 63.22M | 66.31M | 49.83M | 55.09M | 41.34M | 242.86M |
| Total Debt | 58.88M | 40.65M | 53.04M | 62.84M | 32.63M | 9.98M |
| Total Liabilities | 705.13M | 692.58M | 618.04M | 600.70M | 507.87M | 532.27M |
| Stockholders Equity | 68.63M | 67.87M | 59.26M | 53.01M | 45.41M | 44.24M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.56M | 4.01M | 6.04M | -169.00K | 1.88M |
| Operating Cash Flow | 0.00 | 7.24M | 5.08M | 6.12M | -93.00K | 2.10M |
| Investing Cash Flow | 0.00 | -60.26M | -28.37M | -76.18M | -130.14M | 3.07M |
| Financing Cash Flow | 0.00 | 71.24M | 16.78M | 86.78M | -23.76M | 93.91M |
Mission Valley Bancorp Technical Analysis
Positive
22.00
Price Trends
20.11
Positive
19.27
Positive
18.46
Positive
Market Momentum
0.73
Negative
74.05
Negative
82.51
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For MVLY, the sentiment is Positive. The current price of 22 is above the 20-day moving average (MA) of 21.24, above the 50-day MA of 20.11, and above the 200-day MA of 18.46, indicating a bullish trend. The MACD of 0.73 indicates Negative momentum. The RSI at 74.05 is Negative, neither overbought nor oversold. The STOCH value of 82.51 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for MVLY.
Mission Valley Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $71.29M | 11.39 | 10.42% | 2.53% | 7.71% | 60.72% | |
72 Outperform | $70.18M | 10.44 | 10.90% | 0.68% | -0.66% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $77.53M | 9.01 | 7.32% | 2.76% | 4.91% | 127.20% | |
67 Neutral | $69.13M | 29.93 | 2.48% | ― | 0.89% | -1.60% |
* Financial Sector Average
MVLY
Mission Valley Bancorp
22.54
7.24
47.36%
ASRV
Ameriserv Financial
4.92
2.09
73.61%
HFBL
Home Federal Bancorp Of Louisiana
23.50
10.90
86.51%
FSEA
First Seacoast Bancorp
17.11
5.90
52.62%
CLST
Catalyst Bancorp
17.34
4.78
38.07%
NSTS
NSTS Bancorp
13.81
1.66
13.71%
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.