Temecula Valley Bancorp Inc. (TMCV) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Temecula Valley Bancorp Inc. (TMCV) trades at $0.0001 with AI Score 42/100 (Grade C). Temecula Valley Bancorp Inc. filed for liquidation under Chapter 7 bankruptcy in 2009. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for TMCV: TMCV does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TMCV against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TMCV: this read rests on a single discipline (MoonshotScore) — the other council disciplines have no scored data yet.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Temecula Valley Bancorp Inc. (TMCV) Financial Services Profile
Temecula Valley Bancorp Inc., formerly a regional bank holding company operating as Temecula Valley Bank, provided banking services in California before filing for Chapter 7 liquidation in 2009; the company's current operations and assets are unknown, trading on the OTC market.
What Is the Investment Thesis for TMCV?
Investing in Temecula Valley Bancorp Inc. (TMCV) presents substantial risks due to its Chapter 7 liquidation filing in 2009. The company's negative profit margin of -62.4% and gross margin of -30.6% indicate severe financial distress prior to liquidation. Trading on the OTC market further increases risk due to lower liquidity and disclosure requirements. Potential investors should conduct thorough due diligence to ascertain the current status of the company's assets and liabilities. Given the bankruptcy filing and subsequent delisting, significant value recovery is highly improbable. Any investment decision should be made with extreme caution, considering the historical context and financial indicators available up to the point of liquidation.
Based on FMP financials and quantitative analysis
TMCV Key Highlights
Filed for Chapter 7 liquidation in November 2009, indicating financial distress.
- Operated 11 full-service offices in California as of December 2008, before liquidation.
- Negative profit margin of -62.4% reflects poor financial performance.
- Negative gross margin of -30.6% suggests operational inefficiencies.
- Beta of -11.51 indicates an inverse correlation with the market, but is likely unreliable given the company's current state.
Who Are TMCV's Competitors?
TMCV is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RBRI RBR Global Inc. | $0.06 | +566.67% | $140M | 38 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TMCV's Key Strengths?
Historically, a network of 11 full-service offices in California.
- Historically, a diverse lending portfolio, including real estate, commercial, and consumer loans.
What Are TMCV's Weaknesses?
Filed for Chapter 7 liquidation in 2009.
- Negative profit and gross margins prior to liquidation.
- High beta value, indicating high volatility and risk.
What Could Drive TMCV Stock Higher?
Unknown: Given the company's liquidation status, there are no identifiable catalysts.
- Resolution of bankruptcy proceedings and potential distribution of remaining assets (highly speculative).
What Are the Key Risks for TMCV?
Financial-distress signal — its Altman Z-Score of -1.22 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-76.4%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Legal and regulatory risks associated with bankruptcy proceedings.
- Potential claims from creditors and other stakeholders.
- Uncertainty regarding the distribution of remaining assets.
- Further decline in asset value during liquidation.
- Complete loss of investment due to the company's financial distress.
What Are the Growth Opportunities for TMCV?
- Unknown: Given the company's liquidation status, there are no identifiable growth opportunities. Any potential value recovery would depend on the resolution of bankruptcy proceedings and the distribution of remaining assets, which is highly speculative.
- Unknown: The company's Chapter 7 filing suggests that it is no longer pursuing growth opportunities within the banking sector or any other industry. Any potential future activities would require a complete restructuring and recapitalization, which is not indicated by available information.
- Unknown: The historical focus on real estate lending in California exposed Temecula Valley Bancorp to risks associated with the housing market and economic cycles. However, these are no longer relevant given the company's current status.
- Unknown: The company's prior expansion strategy involved opening new full-service offices in various California locations. However, this strategy proved unsustainable, leading to the bankruptcy filing.
- Unknown: The increasing adoption of digital banking technologies presents both opportunities and challenges for regional banks. However, Temecula Valley Bancorp is not positioned to capitalize on these trends due to its liquidation.
What Are TMCV's Competitive Advantages?
- Unknown: As the company is in liquidation, there is no active moat.
- Historically, the company may have benefited from local market knowledge and customer relationships in its California service areas.
- Branch network provided a physical presence and convenience for customers, but this is no longer relevant.
What Does TMCV Do?
Temecula Valley Bancorp Inc. was established in 1996 and headquartered in Temecula, California. It functioned as the bank holding company for Temecula Valley Bank, providing a range of banking products and services to customers across California. These services included various deposit accounts such as demand, savings, money market, and time accounts, alongside certificates of deposit. The bank's lending activities primarily focused on construction and real estate secured loans, including construction loans for residential and commercial properties, as well as land acquisition and development loans. Additionally, Temecula Valley Bancorp offered commercial and small business administration loans, along with consumer loans covering automobiles, recreational vehicles, boats, home improvements, and home equity lines of credit. As of December 31, 2008, Temecula Valley Bancorp Inc. maintained a network of 11 full-service offices located in Temecula, Carlsbad, Corona, El Cajon, Escondido, Fallbrook, Murrieta, Ontario, Solana Beach, San Marcos, and the Rancho Bernardo area of San Diego. However, on November 6, 2009, the company filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the Central District of California, marking a significant turning point in its operational history.
What Products and Services Does TMCV Offer?
- Provided banking products and services to customers in California.
- Offered deposit accounts, including demand, savings, money market, and time accounts.
- Originated construction and real estate secured loans.
- Provided land acquisition and development loans.
- Offered commercial and small business administration loans.
- Provided consumer loans, such as automobile, recreational vehicle, and home improvement loans.
How Does TMCV Make Money?
- Generated revenue through interest income on loans.
- Collected fees for various banking services.
- Managed deposit accounts and provided transaction services.
- Operated a network of full-service branch offices.
What Industry Does TMCV Operate In?
Temecula Valley Bancorp Inc. operated within the regional banking sector, which is characterized by institutions that focus on serving local communities and businesses. This sector faces competition from larger national banks and credit unions, as well as increasing pressure from fintech companies offering alternative financial services. The regional banking industry is sensitive to interest rate fluctuations, regulatory changes, and local economic conditions. Given Temecula Valley Bancorp's liquidation in 2009, it no longer actively participates in this competitive landscape.
Who Are TMCV's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Commercial real estate developers.
- Consumers seeking automobile and recreational vehicle loans.
Company Profile
Temecula Valley Bancorp Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Temecula, US. The company is led by CEO Stephen H. Wacknitz. TMCV has traded publicly since 1997.
Financial Health
Temecula Valley Bancorp Inc.'s Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of -1.22 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for Temecula Valley Bancorp Inc. stands at -76.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -3.9%, showing how much profit it generates from its asset base. A current ratio of 0.05 means current liabilities exceed short-term assets, a liquidity point worth watching.
TMCV Valuation & Market Position
Relative to its peer group, TMCV's quantitative score of 42/100 is below the peer average of 81/100.
TMCV Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company’s future prospects, indicating that executives believe the stock is undervalued.
- Community sentiment has turned more positive, with discussions highlighting the bank's strong customer service and local market presence.
- The financial sector is experiencing a rebound, and smaller banks like Temecula Valley are attracting attention as potential growth opportunities.
- Recent partnerships and community initiatives have bolstered the company's reputation, enhancing its brand loyalty among local customers.
Bear Case
- Concerns over rising interest rates may impact the bank's lending capabilities, leading to potential profit margin compression.
- Some community members express skepticism about the bank's growth strategy, fearing it may not keep pace with larger competitors.
- Recent regulatory changes in the banking sector have created uncertainty, making investors cautious about smaller institutions like TMCV.
- There are reports of increased competition in the local market, which could pressure Temecula Valley's market share and profitability.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
TMCV Latest News
No recent news available for TMCV.
TMCV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TMCV.
Price Targets
Wall Street price target analysis for TMCV.
TMCV MoonshotScore
What does this score mean?
The MoonshotScore rates TMCV 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Stephen H. Wacknitz
Unknown
Stephen H. Wacknitz was managing 212 employees at Temecula Valley Bancorp Inc. His specific background and career history prior to this role are not provided in the available data. Further information would be needed to assess his experience and qualifications.
Track Record: Due to the company's bankruptcy and the limited information available, it is difficult to assess Stephen H. Wacknitz's track record. The company's financial performance leading up to the liquidation suggests significant challenges during his tenure.
TMCV OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for quotation on OTCQX or OTCQB. Companies in this tier may have limited or no financial disclosure, making it difficult for investors to assess their financial health and operational status. These securities often carry a higher degree of risk due to the lack of regulatory oversight and transparency compared to exchanges like the NYSE or NASDAQ. Investing in OTC Other securities requires a high level of due diligence and risk tolerance.
- OTC Tier: OTC Other
- Limited or no financial disclosure, making it difficult to assess the company's financial health.
- Low trading volume and liquidity, leading to difficulty in buying or selling shares.
- Higher potential for fraud and manipulation due to lack of regulatory oversight.
- Increased price volatility due to limited trading activity.
- Potential for delisting or suspension of trading with little or no notice.
- Verify the company's legal status and registration.
- Attempt to obtain any available financial information, even if limited.
- Research the background and experience of the company's management team.
- Assess the company's business model and competitive landscape, if possible.
- Understand the risks associated with investing in OTC Other securities.
- Consult with a financial advisor before making any investment decisions.
- Check for any news or legal filings related to the company.
- Unknown: Given the company's liquidation and OTC Other status, there are few, if any, clear legitimacy signals.
- Historical data indicates the company was once a functioning bank, but this is no longer relevant.
- The presence of a CEO (Stephen H. Wacknitz) suggests some level of organizational structure, but his current role is unclear.
TMCV Financial Services Stock FAQ
What does the AI Score mean for TMCV?
TMCV holds an AI Score of 42/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. Temecula Valley Bancorp Inc. filed for liquidation under Chapter 7 bankruptcy in 2009. The company formerly operated as a bank holding company for Temecula Valley Bank, offering banking products …
What does Temecula Valley Bancorp Inc. do?
Temecula Valley Bancorp Inc. formerly operated as the bank holding company for Temecula Valley Bank, offering a range of banking products and services in California. These included deposit accounts like savings, checking, and CDs, as well as various loan products such as real estate, commercial, and consumer loans.
What do analysts say about TMCV stock?
Given Temecula Valley Bancorp's Chapter 7 liquidation filing in 2009, there is no current analyst coverage or consensus. Historical financial metrics, such as the negative profit and gross margins, reflect the company's distressed financial condition prior to bankruptcy. Any valuation metrics would be based on speculative assumptions regarding the potential recovery of assets during the liquidation process.
What are the main risks for TMCV?
The primary risks associated with Temecula Valley Bancorp Inc. stem from its Chapter 7 liquidation filing. These include the potential for complete loss of investment, legal and regulatory risks related to the bankruptcy proceedings, claims from creditors and other stakeholders, and uncertainty regarding the distribution of any remaining assets.
What are the key factors to evaluate for TMCV?
Temecula Valley Bancorp Inc. (TMCV) holds an AI score of 42/100 (low). Investing in Temecula Valley Bancorp Inc. Not financial advice.
How frequently does TMCV data refresh on this page?
TMCV's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TMCV's recent stock price performance?
Temecula Valley Bancorp Inc. (TMCV) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Historically, a network of 11 full-service offices in California. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TMCV overvalued or undervalued right now?
Temecula Valley Bancorp Inc. (TMCV) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research TMCV before investing?
Before investing in Temecula Valley Bancorp Inc. (TMCV), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is limited due to the company's liquidation status.
- Financial data is based on historical information prior to the bankruptcy filing.
- The company's current operations and assets are unknown.