Mission Valley Bancorp (MVLY)
OTHER OTC:MVLY
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Mission Valley Bancorp
(OTC:MVLY)
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Rating:66Neutral
Price Target:
$20.00
▲(8.58% Upside)
Action:Reiterated
Date:04/12/26
The score is driven primarily by solid financial performance (revenue growth, profitability, improved leverage) and supportive valuation (low P/E). These positives are tempered by only neutral technical momentum and some cash-flow/margin variability.
Positive Factors
Sustained Revenue Scaling
Multi-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.
Negative Factors
Margin Compression
Declining 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Scaling
Multi-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.
Read all positive factors
Mission Valley Bancorp (MVLY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$60.84M
Dividend Yield0.79%
Average Volume (3M)816.00
Price to Earnings (P/E)8.6
Beta (1Y)0.09
Revenue Growth7.86%
EPS Growth16.82%
CountryUS
Employees39
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.95
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
Mission Valley Bancorp Business Overview & Revenue Model
Company Description
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 dem...
How the Company Makes Money
MVLY makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fees collected on interest-earning assets—primarily loans to...
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 | 54.03M | 58.18M | 52.85M | 40.50M | 30.32M | 23.18M |
| Gross Profit | 37.06M | 41.80M | 35.81M | 29.81M | 27.45M | 22.46M |
| EBITDA | 16.54M | 11.07M | 8.91M | 10.40M | 6.83M | 7.34M |
| Net Income | 5.37M | 8.03M | 6.23M | 7.36M | 4.77M | 4.96M |
Balance Sheet | ||||||
| Total Assets | 740.61M | 760.45M | 677.30M | 653.71M | 553.29M | 576.51M |
| Cash, Cash Equivalents and Short-Term Investments | 62.39M | 66.31M | 49.83M | 55.09M | 41.34M | 242.86M |
| Total Debt | 65.79M | 40.65M | 53.04M | 62.84M | 32.63M | 9.98M |
| Total Liabilities | 678.63M | 692.58M | 618.04M | 600.70M | 507.87M | 532.27M |
| Stockholders Equity | 61.98M | 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
18.42
Price Trends
18.48
Positive
18.44
Positive
17.43
Positive
Market Momentum
0.03
Negative
57.47
Neutral
70.75
Neutral
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 18.42 is below the 20-day moving average (MA) of 18.59, below the 50-day MA of 18.48, and above the 200-day MA of 17.43, indicating a bullish trend. The MACD of 0.03 indicates Negative momentum. The RSI at 57.47 is Neutral, neither overbought nor oversold. The STOCH value of 70.75 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $67.97M | 3.74 | 14.63% | ― | 15.64% | 5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $60.84M | 8.64 | 10.90% | 0.79% | 7.86% | 16.82% | |
63 Neutral | $64.83M | 27.59 | 2.48% | ― | -0.66% | -1.32% | |
61 Neutral | $63.11M | 11.55 | 4.72% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $48.36M | 16.07 | 5.34% | 1.10% | 3.83% | 59.54% |
* Financial Sector Average
MVLY
Mission Valley Bancorp
18.75
3.57
23.54%
ASRV
Ameriserv Financial
3.78
0.98
34.81%
OPHC
Optimumbank Holdings
5.46
1.12
25.81%
FSEA
First Seacoast Bancorp
16.80
5.65
50.63%
TCBS
Texas Community
16.73
1.03
6.55%
CLST
Catalyst Bancorp
16.01
4.15
34.99%
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.