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Golden Valley Bancshares, Inc (GVYB) Fair Value & Analysis

Financial Services · US · Market cap $51.6M

Price$24.00
Fair Value$27.35
Upside+14.0%
Quality95/100
Evidence: High Range $20.52 – $34.19

Fair value as of: Jun 26, 2026

Analysis

Golden Valley Bancshares, Inc (GVYB) currently trades at $24.00, while our model-based Fair Value estimate is $27.35 — implying the stock looks roughly 14.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Golden Valley Bancshares, Inc. operates as a bank holding company for Golden Valley Bank that provides various commercial banking products and services to small to middle-market businesses, professionals, and not-for-profit organizations. It offers checking, money market, individual retirement, and savings accounts, as well as certificate of deposits. The company also offers home, real estate, equipment financing, and small business administration loans, as well as operating lines of credit. In addition, it provides online and mobile banking, bill pay, automated clearing house, merchant, e-deposit, payroll, wire manager, and positive pay services, as well as debit and credit cards. Further, the company operates full-service offices in Redding and Oroville, California. The company was formerly known as Golden Valley Bank (Chico, CA) and changed its name to Golden Valley Bancshares, Inc. in November 2020. The company was founded in 2006 and is headquartered in Chico, California.

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Frequently asked questions

Is Golden Valley Bancshares, Inc (GVYB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $27.35 versus a price of $24.00 — about +14% (undervalued). Model-based estimate, not financial advice.
What is the fair value of GVYB?
Our 21-model fair value for Golden Valley Bancshares, Inc is $27.35 (as of Jun 26, 2026), built from audited fundamentals. The current price is $24.00.
What is the quality score of GVYB?
Golden Valley Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.