EN DE
Watch Pacific Valley Bank for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Pacific Valley Bank (PVBK) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Pacific Valley Bank stock $11.36, price $9.25, upside +22.9%, quality 34 out of 100. Rating: undervalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

PV Pacific Valley Bank logo Some data Nov 7, 2026

Pacific Valley Bank

PVBK · US
Speculative

The stock costs 19% less than our calculation considers fair.

Fair value $11.36 · Undervalued
Solidly profitable · 18.4% net margin (TTM)
Last quarter vs. a year ago: revenue +17%, profit +26%.
Mixed Growth (revenue 5y +15.8 %/yr in USD)
Mixed vs. peers (5/12)
Moderate moat 52/100
Some data
Quality 34/100
⚠ Dilution
Watch Pacific Valley Bank for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.62 $4.96 Fair Value $11.36 Jun 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $4.96 – $12.62 · fair‑value band $8.53 – $14.20 · the $9.25 price screens below the $11.36 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

Follow Pacific Valley Bank in your weekly email

Every Wednesday you see whether Pacific Valley Bank is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States.

Show moreShow less

The company provides personal and business banking products, including checking accounts, savings and money market accounts, and certificates of deposit; and business loans, such as commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial construction loans, agriculture production lending, and government guaranteed loan programs.

It offers online solutions comprising online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks, as well as cash management services; and debit cards, incoming wire instructions, fraud prevention, identity theft, and FDIC insurance estimator services.

The company serves small and middle-market businesses, professionals, high net worth individuals, and families in Monterey County, California. Pacific Valley Bancorp was founded in 2004 and is based in Salinas, California.

Stock analysis

Pacific Valley Bank (PVBK) currently trades at $9.25, while our model-based Fair Value estimate is $11.36, implying the stock looks roughly 19% undervalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $13.37 per share, and 1 of the 4 models we run sit above the $9.25 price.

Bear case: the Asset-Based group reads lowest at $8.67, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $8.53 (bear) to $14.20 (bull), the price of $9.25 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 34/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Pacific Valley Bank reported revenue of $33.1M in FY2025 versus $17.7M in FY2021, a compound +17.0%/yr. Reported net income was $3.6M in FY2025, compounding −1.2%/yr from FY2021.

Key figures

Market cap $54.0M Micro · P/E ratio 12.8 · P/S ratio 2.32 · EPS (TTM) $0.7200 · Net margin 18.4% · Return on equity 6.5% · Return on assets (EBIT) 1.1% (5-year average) · Operating margin 32.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).

What moves the price

The share trades about 15% below its 52-week high and 3% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 23%, PVBK screens cheaper than that median.

Fair Value models

Bear $8.53 Fair Value $11.36 Bull $14.20
Price $9.25 · Upside +22.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.6174 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $9.29 $9.16 $9.53 71
P/E Multiple $6.47 $8.62 $10.78 63
P/B Multiple $13.58 $18.11 $22.63 55
All 4 models by family
Multiples
P/E Multiple $6.47 $8.62 $10.78 63
P/B Multiple $13.58 $18.11 $22.63 55
Asset-Based
NCAV (Graham) $6.47 $8.67 $12.93 54
Economic Profit
Residual Income $9.29 $9.16 $9.53 71

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 34/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 22
How much profit the company makes from its sales and capital
Quality Growth 45
Are margins and returns getting better?
Cashflow 25
Do the profits arrive as real cash?
Financial strength 55
Debt, balance sheet and risk of trouble
Investment 50
Does it invest with discipline instead of growing at any price?
Low Volatility 98
How calm the share price moves, does not count
Price momentum 35
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 24
Distance to the 52-week high, does not count
New shares 7
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.8%
Start year 2020 (pandemic). Over 10 years: +13.0% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.9%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−0.6% vs 10.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.29% → 15%
Pace: the 5-year rate starts in 2020 (pandemic)

Watch PVBK, get fair value alerts →

Compare Pacific Valley Bank with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 34 · Bottom 25%
Fair Value upside +22.9% · Top 25%
Profitability
Return on equity (12 months) 6.5% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 18.4% · Bottom 25%
Operating margin (12 months) 32.2% · Below median
Growth and dividend
Revenue growth (quarter YoY) 17.3% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.8× · Pricier than median
P/B 0.77× · Cheapest 25%
P/S (12 months) 2.32× · Cheapest 25%
Price / free cash flow (fiscal year) 103.9× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)64 · sector 8
FUTURE (revenue growth)87 · sector 47
PAST (return on equity)26 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PVBK
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PVBK
BNP Paribas SA BNP €91.93 €106.01 +15% vs PVBK
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PVBK
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PVBK
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PVBK
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PVBK
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PVBK
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PVBK
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PVBK

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Pacific Valley Bank: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Pacific Valley Bank Fair Value". https://www.fairvalue-calculator.com/stock/PVBK

Frequently asked questions

Is Pacific Valley Bank (PVBK) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $11.36 versus a price of $9.25, about +23% upside (undervalued).
What is the fair value of PVBK?
Our model-based fair value for Pacific Valley Bank is $11.36 (as of Nov 7, 2026), built from audited fundamentals. The current price: $9.25.
What is the quality score of PVBK?
Pacific Valley Bank has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Pacific Valley Bank (PVBK)?
Our model-based price target is the fair value of $11.36 (as of Nov 7, 2026) from 4 valuation models. Cautious scenario $8.53, optimistic scenario $14.20. It is a calculation from audited fundamentals, not an analyst target.
What is the Pacific Valley Bank stock forecast for 2026?
Our models put fair value at $11.36, about +23% upside versus a price of $9.25 (undervalued). Cautious scenario $8.53, optimistic scenario $14.20. The calculation is refreshed regularly with new filings.
What is the revenue of Pacific Valley Bank (PVBK)?
Pacific Valley Bank reported trailing-twelve-month revenue of about $23.3M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Pacific Valley Bank (PVBK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Pacific Valley Bank it is $11.36 per share (as of Nov 7, 2026), against a price of $9.25. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Pacific Valley Bank stock overvalued or undervalued in 2026?
As of Nov 7, 2026, PVBK trades below its calculated fair value: price $9.25, fair value $11.36, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PVBK?
No. The price is what the market pays today ($9.25); the fair value is what the company's own numbers justify ($11.36). For Pacific Valley Bank the two are $2.11 per share apart. That gap is exactly why we show both numbers side by side.
How much is Pacific Valley Bank worth?
The market values Pacific Valley Bank at about $54.0M (market capitalisation, as of Nov 7, 2026). Per share that is $9.25; our models calculate a fair value of $11.36 per share.
What do the bullish and bearish scenarios say about PVBK?
Our models span a range for Pacific Valley Bank: cautious scenario $8.53, base $11.36, optimistic $14.20 per share (as of Nov 7, 2026, price $9.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PVBK?
Pacific Valley Bank trades at a price-to-earnings ratio of 12.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.36 is built from several models across several years. Other multiples: P/B 0.8, P/S 2.3.
How solid is the balance sheet of Pacific Valley Bank (PVBK)?
Balance-sheet figures for Pacific Valley Bank (as of Nov 7, 2026): return on equity 6.5%. They feed the Quality Score of 34/100, which measures business quality independently of the share price.
How far is PVBK from its 52-week high?
Pacific Valley Bank trades at $9.25, about 15% below its 52-week high of $10.90 and 3% above the low of $8.95 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $11.36 is for.
Which stocks are comparable to Pacific Valley Bank?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Pacific Valley Bank stock attractive at the current price?
The data as of Nov 7, 2026: price $9.25, calculated fair value $11.36 (+23%), Quality Score 34/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PVBK calculated?
We run Pacific Valley Bank through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $11.36 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Pacific Valley Bank currently trades 19% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Pacific Valley Bank (PVBK)?
The closing price on Nov 6, 2026 was $9.25. Our model-based fair value is $11.36, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Pacific Valley Bank right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of Pacific Valley Bank

How large is the market capitalisation of Pacific Valley Bank (PVBK)?
The market capitalisation of Pacific Valley Bank is $54.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Pacific Valley Bank (PVBK)?
The price-to-sales ratio of Pacific Valley Bank is 2.32 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Pacific Valley Bank (PVBK)?
Earnings per share at Pacific Valley Bank are $0.7200 (price ÷ EPS = P/E 12.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Pacific Valley Bank (PVBK)?
The net margin of Pacific Valley Bank is 18.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Pacific Valley Bank (PVBK)?
The return on equity (ROE) of Pacific Valley Bank is 6.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Pacific Valley Bank (PVBK)?
On an EBIT basis the return on assets of Pacific Valley Bank is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Pacific Valley Bank (PVBK)?
The operating margin of Pacific Valley Bank is 32.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Pacific Valley Bank (PVBK)?
Revenue at Pacific Valley Bank is growing +17.3% versus a year earlier (3y avg +13.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Pacific Valley Bank (PVBK)?
Earnings per share at Pacific Valley Bank are growing +26.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Pacific Valley Bank (PVBK) generate?
The free cash flow of Pacific Valley Bank is $520K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Pacific Valley Bank (PVBK) hold?
Pacific Valley Bank holds more cash than debt, $98.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
Free · no account needed

Watch Pacific Valley Bank in the live analysis

One click puts Pacific Valley Bank on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.