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Pacific Valley Bancorp PVBK

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Price alert · PVBK

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9.30 USD 0.00 0.00%

As of Nov 2, 3:54 PM ET

9.20 Day range 9.30
8.92 52-week range 10.98
YTD
-5.10%
1 year
-12.18%
Open
9.20
Prev close
9.30
Mkt cap
50.37M
Vol
50.70K
Avg vol
15.31K
EPS
0.72
P/E
12.92
More statistics
Low
9.20
High
9.30

5D chart

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Financial health

Altman Z-Score

0.28 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

C+2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 14.8×
FY 2016: 21.4×FY 2017: 24.0×FY 2018: 14.6×FY 2019: 13.7×FY 2020: 9.6×FY 2021: 11.5×FY 2022: 10.0×FY 2023: 9.5×FY 2024: 10.6×FY 2025: 14.8×
FY 2016 5y median 10.6× FY 2025
P/S 1.5×
FY 2016: 2.7×FY 2017: 3.4×FY 2018: 2.7×FY 2019: 2.4×FY 2020: 2.0×FY 2021: 2.5×FY 2022: 2.3×FY 2023: 1.7×FY 2024: 1.5×FY 2025: 1.5×
FY 2016 5y median 1.7× FY 2025
P/B 0.7×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.1×FY 2023: 0.9×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025
P/FCF 93.3×
FY 2016: 17.5×FY 2017: 15.8×FY 2018: 17.6×FY 2019: 12.8×FY 2020: 7.0×FY 2021: 9.3×FY 2022: 6.9×FY 2023: 9.2×FY 2024: 14.6×FY 2025: 93.3×
FY 2016 5y median 9.3× FY 2025
EV/EBITDA -9.9×
FY 2016: 243×FY 2017: -41.6×FY 2018: -147×FY 2019: 5.8×FY 2020: -16.5×FY 2021: 0.0×FY 2022: 5.4×FY 2023: 5.9×FY 2024: -3.9×FY 2025: -9.9×
FY 2016 5y median 0.0× FY 2025
EV/Sales -1.5×
FY 2016: 4.0×FY 2017: -0.7×FY 2018: -1.8×FY 2019: 1.5×FY 2020: -4.9×FY 2021: 0.0×FY 2022: 1.8×FY 2023: 1.5×FY 2024: -0.9×FY 2025: -1.5×
FY 2016 5y median 0.0× FY 2025
FCF Yield 1.1%
FY 2016: 5.7%FY 2017: 6.3%FY 2018: 5.7%FY 2019: 7.8%FY 2020: 14.3%FY 2021: 10.8%FY 2022: 14.6%FY 2023: 10.9%FY 2024: 6.8%FY 2025: 1.1%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 65.1%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 86.0%FY 2020: 93.4%FY 2021: 96.9%FY 2022: 92.7%FY 2023: 71.0%FY 2024: 62.5%FY 2025: 65.1%
FY 2016 5y median 71.0% FY 2025
Operating Margin 15.4%
FY 2016: 0.0%FY 2017: 25.8%FY 2018: 26.0%FY 2019: 25.7%FY 2020: 28.9%FY 2021: 30.9%FY 2022: 33.1%FY 2023: 25.0%FY 2024: 20.7%FY 2025: 15.4%
FY 2016 5y median 25.0% FY 2025
Net Margin 10.9%
FY 2016: 12.8%FY 2017: 14.3%FY 2018: 18.5%FY 2019: 18.0%FY 2020: 20.5%FY 2021: 21.3%FY 2022: 23.1%FY 2023: 17.6%FY 2024: 14.6%FY 2025: 10.9%
FY 2016 5y median 17.6% FY 2025
ROE 5.1%
FY 2016: 4.5%FY 2017: 5.1%FY 2018: 7.4%FY 2019: 7.5%FY 2020: 8.3%FY 2021: 8.8%FY 2022: 11.0%FY 2023: 9.4%FY 2024: 7.8%FY 2025: 5.1%
FY 2016 5y median 8.8% FY 2025
ROIC 0.5%
FY 2016: 0.0%FY 2017: 1.8%FY 2018: 2.0%FY 2019: 7.2%FY 2020: 2.3%FY 2021: 8.2%FY 2022: 0.9%FY 2023: 6.6%FY 2024: 5.8%FY 2025: 0.5%
FY 2016 5y median 5.8% FY 2025
ROA 0.5%
FY 2016: 0.5%FY 2017: 0.6%FY 2018: 0.8%FY 2019: 0.8%FY 2020: 0.7%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 0.8%FY 2024: 0.7%FY 2025: 0.5%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 9.4%
FY 2016: 4.6%FY 2017: 8.1%FY 2018: 20.9%FY 2019: 11.9%FY 2020: 6.8%FY 2021: 11.2%FY 2022: 27.4%FY 2023: 22.2%FY 2024: 10.0%FY 2025: 9.4%
FY 2016 FY 2025
Operating Income -18.5%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 21.5%FY 2019: 10.6%FY 2020: 20.5%FY 2021: 18.6%FY 2022: 36.6%FY 2023: -7.7%FY 2024: -8.8%FY 2025: -18.5%
FY 2016 FY 2025
EPS (diluted) -26.7%
FY 2016: 20.0%FY 2017: 10.0%FY 2018: 69.7%FY 2019: 8.9%FY 2020: 21.3%FY 2021: 16.2%FY 2022: 24.4%FY 2023: -7.5%FY 2024: -9.1%FY 2025: -26.7%
FY 2016 FY 2025
Free Cash Flow -83.6%
FY 2016: -6.3%FY 2017: 49.9%FY 2018: -15.4%FY 2019: 40.2%FY 2020: 56.1%FY 2021: 5.6%FY 2022: 61.2%FY 2023: -34.4%FY 2024: -36.0%FY 2025: -83.6%
FY 2016 FY 2025

Financial Health

Current Ratio 223×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.0×FY 2020: 0.4×FY 2021: 0.1×FY 2022: 1854×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 223×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 223×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.0×FY 2020: 0.4×FY 2021: 0.1×FY 2022: 1854×FY 2023: 0.0×FY 2024: 0.2×FY 2025: 223×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.3×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA -19.3×
FY 2016: 75.3×FY 2017: -245×FY 2018: -367×FY 2019: -3.4×FY 2020: -23.1×FY 2021: -7.7×FY 2022: -1.5×FY 2023: -0.4×FY 2024: -10.6×FY 2025: -19.3×
FY 2016 5y median -7.7× FY 2025
Interest Coverage 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.8×FY 2020: 4.4×FY 2021: 9.8×FY 2022: 4.5×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31