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Mission Valley Bancorp (MVLY) Fair Value & Analysis

Financial Services · US · Market cap $67.3M

Price$19.65
Fair Value$31.19
Upside+58.7%
Quality95/100
Evidence: High Range $23.39 – $38.99

Fair value as of: Jun 26, 2026

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Analysis

Mission Valley Bancorp (MVLY) currently trades at $19.65, while our model-based Fair Value estimate is $31.19 — implying the stock looks roughly 58.7% 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

Mission Valley Bancorp operates as a bank holding company, providing various banking products and services to individuals and corporate customers. It offers checking and savings accounts for businesses, branch services, card services, merchant services, personal banking, special banking, and treasury management services. The company also provides loans, including real estate, small business administration, accounts receivable, advanced restaurant financing, and consumer and other loans, as well as commercial loans comprising revolving lines of credit, term loans, and loans secured by liquid collateral. In addition, it offers lending services, such as underwriting, processing, closing, servicing, and referral/replacement services to other financial institutions. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.

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Frequently asked questions

Is Mission Valley Bancorp (MVLY) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $31.19 versus a price of $19.65 — about +59% (undervalued). Model-based estimate, not financial advice.
What is the fair value of MVLY?
Our 21-model fair value for Mission Valley Bancorp is $31.19 (as of Jun 26, 2026), built from audited fundamentals. The current price is $19.65.
What is the quality score of MVLY?
Mission Valley Bancorp 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.