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Pacific Valley Bank
(OTC:PVBK)
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Rating:66Neutral
Price Target:
$10.00
▲(7.64% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily driven by solid but weakening fundamentals: strong revenue growth and manageable leverage are offset by margin compression, declining ROE, and a steep drop in free cash flow. Technicals are mixed (short-term improvement but still below longer-term averages), while valuation looks reasonably attractive given the 11.625 P/E.
Positive Factors
Revenue Growth
Sustained double-digit, accelerating revenue growth through 2025 indicates durable top-line momentum and successful customer or loan-book expansion. Persistent revenue expansion supports scale economics, capacity for reinvestment, and long-term market share gains if margins stabilize.
Negative Factors
Margin Compression
Significant margin decline despite revenue growth shows rising costs or pricing pressure, eroding profitability on each dollar of revenue. If persistent, compressed margins will reduce retained earnings, limit reinvestment ability, and strain long-run profitability even as scale increases.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained double-digit, accelerating revenue growth through 2025 indicates durable top-line momentum and successful customer or loan-book expansion. Persistent revenue expansion supports scale economics, capacity for reinvestment, and long-term market share gains if margins stabilize.
Read all positive factors
Pacific Valley Bank (PVBK) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$46.03M
Dividend YieldN/A
Average Volume (3M)693.00
Price to Earnings (P/E)11.6
Beta (1Y)-0.04
Revenue Growth10.03%
EPS Growth-8.96%
CountryUS
Employees40
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.75
Shares Outstanding4,949,622
10 Day Avg. Volume90
30 Day Avg. Volume693
Financial Highlights & Ratios
PEG Ratio-0.56
Price to Book (P/B)0.69
Price to Sales (P/S)1.47
P/FCF Ratio93.28
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
Pacific Valley Bank Business Overview & Revenue Model
Company Description
Pacific Valley Bancorp offers a comprehensive range of financial services and banking solutions tailored for a diverse client base, including small to medium-sized enterprises, agricultural businesses, non-profit entities, professional service pro...
How the Company Makes Money
null...
Pacific Valley Bank Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 31.10M | 33.09M | 30.26M | 27.52M | 22.51M | 17.68M |
| Gross Profit | 22.42M | 21.55M | 18.91M | 19.55M | 20.86M | 17.12M |
| EBITDA | 5.41M | 5.11M | 6.95M | 7.24M | 7.59M | 5.58M |
| Net Income | 3.81M | 3.59M | 4.42M | 4.85M | 5.21M | 3.77M |
Balance Sheet | ||||||
| Total Assets | 627.78M | 710.16M | 655.65M | 586.00M | 559.03M | 499.62M |
| Cash, Cash Equivalents and Short-Term Investments | 65.15M | 140.24M | 90.49M | 19.67M | 27.81M | 44.25M |
| Total Debt | 16.95M | 18.01M | 16.88M | 16.83M | 16.77M | 1.10M |
| Total Liabilities | 556.58M | 640.10M | 599.27M | 534.32M | 511.63M | 456.63M |
| Stockholders Equity | 71.21M | 70.06M | 56.38M | 51.68M | 47.40M | 42.99M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 520.00K | 3.17M | 4.95M | 7.55M | 4.68M |
| Operating Cash Flow | 0.00 | 3.59M | 3.44M | 5.16M | 7.71M | 4.92M |
| Investing Cash Flow | 0.00 | -50.39M | -30.31M | -40.56M | -44.70M | -51.91M |
| Financing Cash Flow | 0.00 | 50.09M | 66.43M | 20.59M | 55.22M | 30.79M |
Pacific Valley Bank Technical Analysis
Negative
9.29
Price Trends
9.24
Positive
9.53
Negative
9.91
Negative
Market Momentum
0.02
Positive
51.18
Neutral
18.67
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PVBK, the sentiment is Negative. The current price of 9.29 is below the 20-day moving average (MA) of 9.31, above the 50-day MA of 9.24, and below the 200-day MA of 9.91, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 51.18 is Neutral, neither overbought nor oversold. The STOCH value of 18.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PVBK.
Pacific Valley Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $86.25M | 9.56 | 7.13% | 2.76% | 4.91% | 127.20% | |
68 Neutral | $70.15M | 30.51 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $46.03M | 11.61 | 6.26% | ― | 10.03% | -8.96% | |
65 Neutral | $49.73M | 14.43 | 5.66% | 1.30% | 5.94% | 51.02% |
* Financial Sector Average
PVBK
Pacific Valley Bank
9.25
-1.45
-13.55%
ASRV
Ameriserv Financial
4.80
1.92
66.55%
FSEA
First Seacoast Bancorp
17.18
5.68
49.43%
TCBS
Texas Community
17.31
1.25
7.77%
CLST
Catalyst Bancorp
17.50
4.67
36.40%
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.