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GVYB

Golden Valley Bancshares, Inc.

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Price alert · GVYB

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24.45 USD 0.00 0.00%
As of Oct 30, 2026
24.45 Day range 24.45
19.75 52-week range 26.99
YTD
+15.88%
1 year
+23.80%
Open
24.45
Prev close
24.45
Mkt cap
53.64M
Vol
158
Avg vol
355
EPS
2.27
P/E
10.77
More statistics
Low
24.45
High
24.45

5D chart

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Financial health

Altman Z-Score

0.23 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 10.1×
FY 2016: 16.8×FY 2017: 16.3×FY 2018: 13.6×FY 2019: 8.2×FY 2020: 6.6×FY 2021: 8.3×FY 2022: 8.5×FY 2023: 8.3×FY 2024: 11.9×FY 2025: 10.1×
FY 2016 5y median 8.5× FY 2025
P/S 1.7×
FY 2016: 3.3×FY 2017: 3.5×FY 2018: 3.3×FY 2019: 2.2×FY 2020: 1.7×FY 2021: 2.5×FY 2022: 2.3×FY 2023: 1.5×FY 2024: 1.7×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.1×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.4×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
P/FCF 9.7×
FY 2016: 11.4×FY 2017: 29.2×FY 2018: 10.8×FY 2019: 9.0×FY 2020: 5.4×FY 2021: 9.5×FY 2022: 8.2×FY 2023: 10.3×FY 2024: 9.3×FY 2025: 9.7×
FY 2016 5y median 9.5× FY 2025
EV/EBITDA 4.1×
FY 2016: 2.8×FY 2017: 7.0×FY 2018: -4.7×FY 2019: 4.8×FY 2020: 0.7×FY 2021: -0.4×FY 2022: 3.9×FY 2023: 2.1×FY 2024: -8.2×FY 2025: 4.1×
FY 2016 5y median 2.1× FY 2025
EV/Sales 1.1×
FY 2016: 0.9×FY 2017: 2.7×FY 2018: -1.6×FY 2019: 2.0×FY 2020: 0.3×FY 2021: -0.2×FY 2022: 1.2×FY 2023: 0.6×FY 2024: -1.9×FY 2025: 1.1×
FY 2016 5y median 0.6× FY 2025
FCF Yield 10.3%
FY 2016: 8.7%FY 2017: 3.4%FY 2018: 9.2%FY 2019: 11.1%FY 2020: 18.4%FY 2021: 10.6%FY 2022: 12.1%FY 2023: 9.7%FY 2024: 10.7%FY 2025: 10.3%
FY 2016 5y median 10.6% FY 2025

Profitability

Gross Margin 69.9%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 94.8%FY 2019: 89.1%FY 2020: 94.4%FY 2021: 97.2%FY 2022: 95.6%FY 2023: 78.3%FY 2024: 70.0%FY 2025: 69.9%
FY 2016 5y median 78.3% FY 2025
Operating Margin 23.9%
FY 2016: 28.1%FY 2017: 36.0%FY 2018: 33.0%FY 2019: 37.2%FY 2020: 35.5%FY 2021: 43.6%FY 2022: 26.9%FY 2023: 25.9%FY 2024: 19.7%FY 2025: 23.9%
FY 2016 5y median 25.9% FY 2025
Net Margin 17.0%
FY 2016: 19.9%FY 2017: 21.2%FY 2018: 24.1%FY 2019: 26.9%FY 2020: 24.9%FY 2021: 30.6%FY 2022: 26.9%FY 2023: 18.4%FY 2024: 14.3%FY 2025: 17.0%
FY 2016 5y median 18.4% FY 2025
ROE 10.7%
FY 2016: 7.2%FY 2017: 8.1%FY 2018: 10.1%FY 2019: 13.8%FY 2020: 11.6%FY 2021: 13.3%FY 2022: 16.9%FY 2023: 10.8%FY 2024: 8.4%FY 2025: 10.7%
FY 2016 5y median 10.8% FY 2025
ROIC 8.9%
FY 2016: 2.2%FY 2017: 2.6%FY 2018: 7.5%FY 2019: 6.4%FY 2020: 9.5%FY 2021: 12.5%FY 2022: 9.1%FY 2023: 6.6%FY 2024: 6.8%FY 2025: 8.9%
FY 2016 5y median 8.9% FY 2025
ROA 0.8%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 0.8%FY 2019: 1.1%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.6%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 20.0%
FY 2016: 13.4%FY 2017: 12.6%FY 2018: 18.5%FY 2019: 45.6%FY 2020: 10.8%FY 2021: 2.4%FY 2022: 1.1%FY 2023: 19.8%FY 2024: 10.9%FY 2025: 20.0%
FY 2016 FY 2025
Operating Income 45.4%
FY 2016: -10.0%FY 2017: 44.2%FY 2018: 8.7%FY 2019: 64.1%FY 2020: 5.6%FY 2021: 25.7%FY 2022: -37.6%FY 2023: 15.4%FY 2024: -15.5%FY 2025: 45.4%
FY 2016 FY 2025
EPS (diluted) 43.0%
FY 2016: 4.8%FY 2017: 15.4%FY 2018: 34.7%FY 2019: 72.3%FY 2020: 3.4%FY 2021: 25.0%FY 2022: -11.6%FY 2023: -16.6%FY 2024: -14.5%FY 2025: 43.0%
FY 2016 FY 2025
Free Cash Flow 16.3%
FY 2016: 131.4%FY 2017: -54.3%FY 2018: 201.1%FY 2019: 17.7%FY 2020: 38.5%FY 2021: -10.2%FY 2022: 4.4%FY 2023: -35.3%FY 2024: 36.4%FY 2025: 16.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.0×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.2×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.1×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 1.1×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Net Debt / EBITDA -2.4×
FY 2016: -7.6×FY 2017: -2.1×FY 2018: -14.0×FY 2019: -0.5×FY 2020: -3.5×FY 2021: -5.7×FY 2022: -3.5×FY 2023: -3.1×FY 2024: -15.6×FY 2025: -2.4×
FY 2016 5y median -3.5× FY 2025
Interest Coverage 0.8×
FY 2016: 49.0×FY 2017: 39.0×FY 2018: 6.4×FY 2019: 3.4×FY 2020: 6.4×FY 2021: 15.7×FY 2022: 6.1×FY 2023: 1.2×FY 2024: 0.7×FY 2025: 0.8×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 6.7%
FY 2016: 1.6%FY 2017: 1.4%FY 2018: 1.3%FY 2019: 0.3%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 6.7%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 68.1%
FY 2016: 26.6%FY 2017: 23.2%FY 2018: 17.0%FY 2019: 2.6%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 68.1%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31