Mission Valley Bancorp (MVLY) AI Stock Analysis

• Market Cap: $52.06M
• Dividend Yield: 0.94%
• Average Volume (3M): 816.00
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.14
• Revenue Growth: 12.32%
• EPS Growth: 23.53%
• Country: US
• Employees: 39
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.62
• Shares Outstanding: 3,245,871
• 10 Day Avg. Volume: 2,360
• 30 Day Avg. Volume: 816
• PEG Ratio: -0.58
• Price to Book (P/B): 0.96
• Price to Sales (P/S): 1.07
• P/FCF Ratio: 14.13
• Enterprise Value/Market Cap: 1.10
• Enterprise Value/Revenue: 1.06
• Enterprise Value/Gross Profit: 1.54
• Enterprise Value/Ebitda: 3.45
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Neutral
• Price Target: ―

Mission Valley Bancorp shows strong financial performance with significant revenue growth and impressive cash flow management. The technical indicators suggest a possible short-term correction due to overbought signals. The stock is attractively valued with a low P/E ratio, providing potential upside. While leverage is a concern, the company is well-positioned for growth. No recent earnings call or corporate events data was factored in.

Mission Valley Bancorp Business Overview & Revenue Model

Company Description

Mission Valley Bancorp (MVLY) is a bank holding company based in Sun Valley, California. It operates through its wholly-owned subsidiary, Mission Valley Bank, which provides a range of commercial banking services to small and medium-sized businesses, professionals, and individuals. The bank offers a spectrum of financial products including business and personal loans, deposit accounts, and treasury management services. Its focus is on delivering personalized service and tailored financial solutions to meet the diverse needs of its clients.

How the Company Makes Money

Mission Valley Bancorp makes money primarily through interest income from loans and investment securities, as well as through fees and service charges on deposit accounts and other financial services. The company's key revenue streams include interest earned on commercial and personal loans, as well as income from managing deposit accounts for individuals and businesses. Additionally, non-interest income from sources such as transaction fees, account maintenance fees, and other banking services contributes to its earnings. Mission Valley Bancorp's profitability is also influenced by its ability to maintain a high-quality loan portfolio and minimize non-performing assets. Strategic partnerships with financial service providers may also enhance its service offerings and revenue potential.

Mission Valley Bancorp Financial Statement Overview

Summary

Mission Valley Bancorp exhibits robust financial health, marked by strong revenue growth and improved profitability. The balance sheet reflects prudent management, though leverage remains a concern. Cash flow conversion is impressive, showcasing effective cash management. The company is well-positioned for sustainable growth, though attention to operational efficiency and leverage is advisable.

Income Statement

Mission Valley Bancorp demonstrates a strong revenue growth with a 23.29% increase from 2022 to 2023. The gross profit margin is exceptionally high at 115.15% in 2023, indicating effective cost management. However, the EBIT margin has decreased to 13.74% from 29.49% in the previous year, suggesting rising operating expenses or reduced operational efficiency. The net profit margin improved to 20.90%, reflecting effective profitability management despite the EBIT decline.

Balance Sheet

The company's debt-to-equity ratio is relatively high at 1.19, indicating significant leverage. The equity ratio stands at 8.11%, showcasing a balanced approach between equity and assets, but with room for improvement. Return on equity improved to 13.88%, suggesting enhanced shareholder value creation. Despite the high leverage, the company's financial stability is supported by a robust equity position.

Cash Flow

There is a remarkable turnaround in operating cash flow, from negative in 2022 to $6.12 million in 2023, indicating improved cash management. Free cash flow shows substantial growth, reversing from a negative position to $6.039 million. The operating cash flow to net income ratio is 0.83, showing strong cash conversion, while the free cash flow to net income ratio is 0.82, reflecting robust cash flow relative to profit.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	54.03M	52.85M	40.50M	30.32M	23.18M	17.28M
Gross Profit	37.06M	35.81M	29.81M	27.45M	22.46M	17.28M
EBITDA	16.54M	8.91M	0.00	6.83M	7.34M	3.33M
Net Income	5.37M	6.23M	7.36M	4.77M	4.96M	2.30M
Balance Sheet
Total Assets	740.61M	680.33M	653.71M	553.29M	576.51M	476.82M
Cash, Cash Equivalents and Short-Term Investments	62.39M	49.83M	55.09M	92.96M	242.86M	140.11M
Total Debt	65.79M	58.63M	68.21M	32.63M	9.98M	43.59M
Total Liabilities	678.63M	621.07M	600.70M	507.87M	532.27M	437.74M
Stockholders Equity	61.98M	59.26M	53.01M	45.41M	44.24M	39.08M
Cash Flow
Free Cash Flow	0.00	4.01M	6.04M	-169.00K	1.88M	2.50M
Operating Cash Flow	0.00	5.08M	6.12M	-93.00K	2.10M	2.78M
Investing Cash Flow	0.00	-28.37M	-76.18M	-130.14M	3.07M	-79.44M
Financing Cash Flow	0.00	16.78M	86.78M	-23.76M	93.91M	115.14M

Mission Valley Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.38
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 16.38 is above the 20-day moving average (MA) of 15.91, above the 50-day MA of 15.82, and above the 200-day MA of 15.53, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 69.65 is Neutral, neither overbought nor oversold. The STOCH value of 92.00 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	74 Outperform	$47.30M	3.13	14.85%	―	25.77%	12.09%
MVLY	70 Neutral	$52.06M	8.89	9.06%	0.94%	12.32%	23.53%
ASRV	68 Neutral	$51.21M	10.12	4.54%	3.95%	6.89%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CLST	64 Neutral	$60.84M	25.54	2.72%	―	76.66%	―
TCBS	57 Neutral	$47.53M	20.43	4.50%	1.01%	13.47%	―