MVLY

Mission Valley Bancorp

USD

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Price alert · MVLY

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21.69 USD +0.73 +3.48%
As of Oct 30, 2026
21.69 Day range 21.69
15.80 52-week range 22.49
YTD
+23.94%
1 year
+37.28%
Open
21.69
Prev close
20.96
Mkt cap
72.57M
Vol
306
Avg vol
875
EPS
2.31
P/E
9.39
More statistics
Low
21.69
High
21.69

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Financial health

Altman Z-Score

0.37 Distress zone

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

Piotroski F-Score

2 / 9 Weak

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

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 1

Valuation

P/E 7.3×
FY 2016: 9.5×FY 2017: 13.0×FY 2018: 14.3×FY 2019: 12.8×FY 2020: 14.9×FY 2021: 9.4×FY 2022: 9.1×FY 2023: 6.5×FY 2024: 9.1×FY 2025: 7.3×
FY 2016 5y median 9.1× FY 2025
P/S 1.0×
FY 2016: 1.9×FY 2017: 2.5×FY 2018: 2.5×FY 2019: 2.3×FY 2020: 1.7×FY 2021: 2.0×FY 2022: 1.4×FY 2023: 1.2×FY 2024: 1.1×FY 2025: 1.0×
FY 2016 5y median 1.2× FY 2025
P/B 0.9×
FY 2016: 0.9×FY 2017: 1.5×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.9×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
P/FCF 10.5×
FY 2016: -1.9×FY 2017: -173×FY 2018: 1.7×FY 2019: 6.8×FY 2020: 13.7×FY 2021: 24.8×FY 2022: -256×FY 2023: 8.0×FY 2024: 14.1×FY 2025: 10.5×
FY 2016 5y median 10.5× FY 2025
EV/EBITDA 3.0×
FY 2016: 2.9×FY 2017: 6.7×FY 2018: 8.8×FY 2019: 5.8×FY 2020: -4.7×FY 2021: -18.5×FY 2022: 5.5×FY 2023: 5.4×FY 2024: 6.9×FY 2025: 3.0×
FY 2016 5y median 5.4× FY 2025
EV/Sales 0.6×
FY 2016: 1.0×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 1.5×FY 2020: -0.8×FY 2021: -5.9×FY 2022: 1.2×FY 2023: 1.4×FY 2024: 1.2×FY 2025: 0.6×
FY 2016 5y median 1.2× FY 2025
FCF Yield 9.5%
FY 2016: -52.2%FY 2017: -0.6%FY 2018: 59.1%FY 2019: 14.6%FY 2020: 7.3%FY 2021: 4.0%FY 2022: -0.4%FY 2023: 12.6%FY 2024: 7.1%FY 2025: 9.5%
FY 2016 5y median 7.1% FY 2025

Profitability

Gross Margin 71.8%
FY 2016: 95.2%FY 2017: 94.6%FY 2018: 90.2%FY 2019: 91.1%FY 2020: 85.7%FY 2021: 96.9%FY 2022: 90.5%FY 2023: 73.6%FY 2024: 67.8%FY 2025: 71.8%
FY 2016 5y median 73.6% FY 2025
Operating Margin 19.0%
FY 2016: 33.1%FY 2017: 32.8%FY 2018: 22.4%FY 2019: 24.9%FY 2020: 15.9%FY 2021: 30.9%FY 2022: 21.9%FY 2023: 25.3%FY 2024: 16.6%FY 2025: 19.0%
FY 2016 5y median 21.9% FY 2025
Net Margin 13.8%
FY 2016: 20.0%FY 2017: 19.4%FY 2018: 17.4%FY 2019: 17.9%FY 2020: 11.5%FY 2021: 21.4%FY 2022: 15.7%FY 2023: 18.2%FY 2024: 11.8%FY 2025: 13.8%
FY 2016 5y median 15.7% FY 2025
ROE 11.8%
FY 2016: 9.3%FY 2017: 11.7%FY 2018: 9.5%FY 2019: 9.8%FY 2020: 5.9%FY 2021: 11.2%FY 2022: 10.5%FY 2023: 13.9%FY 2024: 10.5%FY 2025: 11.8%
FY 2016 5y median 11.2% FY 2025
ROIC 6.4%
FY 2016: 8.7%FY 2017: 7.6%FY 2018: 6.3%FY 2019: 7.3%FY 2020: 2.8%FY 2021: 1.7%FY 2022: 6.1%FY 2023: 5.7%FY 2024: 4.9%FY 2025: 6.4%
FY 2016 5y median 5.7% FY 2025
ROA 1.1%
FY 2016: 1.1%FY 2017: 1.1%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.5%FY 2021: 0.9%FY 2022: 0.9%FY 2023: 1.1%FY 2024: 0.9%FY 2025: 1.1%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 10.1%
FY 2016: 15.2%FY 2017: 5.0%FY 2018: -0.9%FY 2019: 11.2%FY 2020: -1.0%FY 2021: 16.2%FY 2022: 30.8%FY 2023: 33.6%FY 2024: 30.5%FY 2025: 10.1%
FY 2016 FY 2025
Operating Income 26.3%
FY 2016: 10.9%FY 2017: 4.2%FY 2018: -32.3%FY 2019: 23.8%FY 2020: -36.7%FY 2021: 125.8%FY 2022: -7.2%FY 2023: 53.8%FY 2024: -14.4%FY 2025: 26.3%
FY 2016 FY 2025
EPS (diluted) 27.8%
FY 2016: 10.0%FY 2017: 1.8%FY 2018: -12.5%FY 2019: 14.3%FY 2020: -36.6%FY 2021: 111.3%FY 2022: -3.3%FY 2023: 53.1%FY 2024: -15.8%FY 2025: 27.8%
FY 2016 FY 2025
Free Cash Flow 38.6%
FY 2016: -372.9%FY 2017: 98.5%FY 2018: 10006.0%FY 2019: -74.4%FY 2020: -63.2%FY 2021: -25.0%FY 2022: -109.0%FY 2023: 3673.4%FY 2024: -33.6%FY 2025: 38.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 26.7×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 47.9×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.2×FY 2017: 0.5×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 1.1×FY 2021: 0.2×FY 2022: 0.7×FY 2023: 1.2×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA -2.3×
FY 2016: -2.8×FY 2017: -0.8×FY 2018: -2.0×FY 2019: -3.2×FY 2020: -15.0×FY 2021: -24.9×FY 2022: -0.8×FY 2023: 0.7×FY 2024: 0.5×FY 2025: -2.3×
FY 2016 5y median -0.8× FY 2025
Interest Coverage 0.7×
FY 2016: 10.8×FY 2017: 7.9×FY 2018: 3.5×FY 2019: 4.1×FY 2020: 3.1×FY 2021: 9.9×FY 2022: 3.8×FY 2023: 1.1×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 0.9%
FY 2016: 1.3%FY 2017: 1.0%FY 2018: 0.0%FY 2019: 0.7%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 0.9%FY 2025: 0.9%
FY 2016 5y median 0.9% FY 2025
Payout Ratio 6.3%
FY 2016: 12.7%FY 2017: 13.5%FY 2018: 0.0%FY 2019: 8.9%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 10.3%FY 2023: 6.7%FY 2024: 8.0%FY 2025: 6.3%
FY 2016 5y median 6.7% FY 2025

Annual · latest fiscal year ends 2025-12-31