Pacific Valley Bancorp (PVBK) 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.
Pacific Valley Bancorp (PVBK) trades at $9.30 with AI Score 50/100 (Grade B). Pacific Valley Bancorp (PVBK) is a community bank operating in California, providing a comprehensive suite of financial services including deposits, loans… Market cap: $46.0M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 15, 2026Analyst Coverage for PVBK: PVBK 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 PVBK against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
PVBK: 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.
Pacific Valley Bancorp (PVBK) Financial Services Profile
Pacific Valley Bancorp, established in 2004, is a California-based community bank offering diverse financial services, including deposit accounts, various lending options, and digital banking solutions. Serving small to medium-sized enterprises, agricultural businesses, non-profits, professionals, and individuals, the bank maintains a localized operational focus in Salinas, King City, and Monterey.
What Is the Investment Thesis for PVBK?
Pacific Valley Bancorp (PVBK) operates as a community bank with a focused strategy on relationship banking within its specific California markets of Salinas, King City, and Monterey. The company's business model, centered on providing diverse financial services to local businesses and individuals, fosters customer loyalty and stable deposit bases. With a market capitalization of $46.0M and a P/E ratio of 12.29, PVBK presents a valuation profile that warrants attention for its profitability, evidenced by a profit margin of 12.2% and a gross margin of 54.8%. The bank's low beta of 0.13 suggests lower volatility relative to the broader market. Growth catalysts include continued economic development in its target regions, potential expansion of its digital banking services to enhance customer reach and efficiency, and deepening its penetration in specialized lending segments like agriculture and small-to-medium enterprise financing. However, its listing on the OTC Other market tier and associated limited liquidity introduce higher volatility and disclosure risks that require careful consideration.
Based on FMP financials and quantitative analysis
PVBK Key Highlights
Market Capitalization: $0.05 billion, indicating a small-cap financial institution focused on regional operations.
- Price-to-Earnings Ratio: 12.29, reflecting the market's valuation of the company's earnings.
- Profit Margin: 12.2%, demonstrating the bank's ability to convert revenue into net income.
- Gross Margin: 54.8%, highlighting the efficiency of its core banking operations before accounting for all operating expenses.
- Beta: 0.13, suggesting significantly lower price volatility compared to the overall market.
Who Are PVBK's Competitors?
PVBK is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| 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 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PVBK's Key Strengths?
Strong focus on relationship banking and local community engagement.
- Diverse range of financial products and services catering to various client segments.
- Established physical presence and local knowledge in Salinas, King City, and Monterey.
- Specific expertise in agricultural lending, serving a key regional industry.
What Are PVBK's Weaknesses?
Limited geographic reach, concentrated in a few California cities.
- Small market capitalization ($0.05B) compared to larger regional and national banks.
- OTC Other listing may result in lower liquidity and less investor visibility.
- Reliance on local economic conditions in its specific operational areas.
What Could Drive PVBK Stock Higher?
PVBK catalyst: Potential for local economic growth in Salinas, King City, and Monterey, driving increased loan demand and deposit activity for the bank.
- Continued adoption and expansion of the bank's digital banking services, enhancing customer convenience and operational efficiency.
- Strategic initiatives to deepen relationships with small to medium-sized enterprises and agricultural businesses, potentially increasing market share in these key segments.
What Are the Key Risks for PVBK?
Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Exposure to interest rate fluctuations, which could impact the bank's net interest margin and overall profitability.
- Regulatory compliance burden and potential changes in banking regulations, leading to increased operational costs and complexity.
- Limited liquidity and potential price volatility associated with its OTC Other market listing, posing risks for investors.
- Intense competition from larger, more established financial institutions with greater resources and broader geographic reach.
- Credit risk associated with its loan portfolio, particularly in construction, real estate, and agricultural sectors, which can be susceptible to economic downturns.
What Are the Growth Opportunities for PVBK?
- **Expansion of Digital Banking Services**: The financial services industry is experiencing a significant shift towards digital platforms. Pacific Valley Bancorp already offers online and mobile banking, bill payment, remote deposit capture, and electronic statements. Further investment in and promotion of these digital tools, potentially introducing new features or enhancing user experience, could attract a younger demographic and improve convenience for existing customers. This expansion can increase customer engagement, reduce operational costs associated with physical branches, and extend the bank's reach within its existing geographic footprint without requiring significant capital expenditure on new physical locations. The overall market for digital banking services continues to grow, presenting a clear avenue for PVBK to enhance its competitive position.
- **Deepening Local Market Penetration**: Pacific Valley Bancorp's operations are concentrated in Salinas, King City, and Monterey, California. By leveraging its community bank status and established local presence, the bank has an opportunity to deepen its market share within these specific areas. This could involve targeted marketing campaigns, increased community involvement, and tailored product offerings that address the unique economic needs of these regions. Focusing on existing markets allows for efficient resource allocation and capitalizes on existing brand recognition and customer relationships, potentially leading to increased deposit volumes and loan originations as local economies grow and develop over time.
- **Targeting Agricultural Business Lending**: The company explicitly serves agricultural businesses, a specialized sector particularly relevant in California. This niche market often requires specific financial expertise and understanding of agricultural cycles and risks. By further developing and promoting its agricultural lending products, Pacific Valley Bancorp can solidify its position as a preferred financial partner for local farms and agribusinesses. This focus can lead to higher-value loan portfolios and stronger, long-term client relationships, as agricultural clients often seek stable banking partners who understand their industry. The agricultural sector, while cyclical, represents a consistent and vital part of the regional economy.
- **Enhancing Small to Medium-sized Enterprise (SME) Relationships**: SMEs are a core client segment for Pacific Valley Bancorp. Community banks are often preferred by SMEs due to their personalized service and local decision-making capabilities. By strengthening these relationships through dedicated business banking services, tailored credit solutions, and advisory support, PVBK can capture a larger share of the SME market. This segment is a significant driver of local economic activity and typically requires a range of banking products, from commercial loans and lines of credit to cash management services, offering multiple revenue streams for the bank. Fostering these relationships can lead to stable, long-term business and referrals.
- **Leveraging Relationship Banking for Customer Loyalty**: As a community bank, Pacific Valley Bancorp's strength lies in its ability to build strong, personal relationships with its customers. In an increasingly commoditized banking landscape, this focus on personalized service and understanding individual client needs can be a significant differentiator. By consistently delivering high-quality, responsive service and fostering a sense of community, the bank can enhance customer loyalty, reduce churn, and encourage cross-selling of additional products and services. This strategy helps to build a resilient customer base that is less susceptible to competitive pressures from larger institutions, contributing to sustainable growth over the long term.
What Are PVBK's Competitive Advantages?
- Strong local market presence and community ties in Salinas, King City, and Monterey, fostering relationship banking.
- Personalized customer service typical of community banks, differentiating from larger institutions.
- Specialized understanding and lending capabilities for the local agricultural sector.
- Diverse product offerings catering to a broad range of local individual and business financial needs.
What Does PVBK Do?
Pacific Valley Bancorp, founded in 2004 with its main office in Salinas, California, functions as a regional community bank providing a comprehensive array of financial services and banking solutions. The institution caters to a diverse client base, including small to medium-sized enterprises, agricultural businesses, non-profit entities, professional service providers, and private individuals. This broad approach allows the bank to serve the varied financial needs of its local communities. For deposit services, customers have access to a variety of options such as checking accounts, savings accounts, money market accounts, and individual retirement accounts, alongside certificates of deposit, offering flexibility for both short-term liquidity and long-term savings goals. Beyond deposits, Pacific Valley Bancorp is a key provider of credit facilities within its operational areas. Its lending portfolio spans several critical segments, including loans for construction and land development, real estate acquisitions, commercial operations, and agricultural businesses, which is particularly relevant given its California location. Additionally, the bank offers personal consumer loans, addressing the individual borrowing needs of its clientele. Recognizing the evolving landscape of banking, Pacific Valley Bancorp also delivers a robust suite of digital conveniences. These include online and mobile banking platforms, enabling customers to manage their finances remotely, alongside bill payment services for streamlined transactions. Advanced security features like remote deposit capture and positive pay are offered to enhance convenience and protect against fraud. Electronic statements and check reordering services further contribute to a modern banking experience, complemented by the provision of debit cards for everyday transactions. The company's operations are strategically situated within California, specifically serving the communities of Salinas, King City, and Monterey, reinforcing its commitment to local economic development and relationship-based banking.
What Products and Services Does PVBK Offer?
- Offer diverse deposit accounts including checking, savings, money market, IRAs, and certificates of deposit.
- Provide credit facilities such as construction and land development loans.
- Issue real estate acquisition loans for commercial and personal properties.
- Extend commercial and agricultural operation loans to local businesses and farms.
- Offer personal consumer loans to individuals.
- Deliver online and mobile banking services for convenient account management.
- Provide digital features like bill payment, remote deposit capture, and positive pay.
- Supply electronic statements and debit cards for modern banking needs.
How Does PVBK Make Money?
- Generate revenue primarily through net interest income from loans and investments, funded by customer deposits.
- Earn non-interest income from service charges, fees on deposit accounts, and other banking services.
- Attract and retain diverse customer segments including individuals, small businesses, agricultural entities, and non-profits.
- Operate within specific California regions (Salinas, King City, Monterey) to leverage local market knowledge and relationships.
What Industry Does PVBK Operate In?
Pacific Valley Bancorp operates within the highly regulated Banks - Regional industry, a segment of the broader Financial Services sector. This industry is characterized by institutions that primarily serve local communities and small to medium-sized businesses, emphasizing relationship banking over transactional volume. Regional banks like PVBK often face competition from larger national banks with extensive branch networks and digital capabilities, as well as from smaller credit unions. Key market trends include the increasing adoption of digital banking solutions, evolving regulatory landscapes, and sensitivity to interest rate fluctuations. PVBK's strategic focus on specific Californian markets — Salinas, King City, and Monterey — positions it to capitalize on local economic growth and community ties, differentiating itself from larger, more impersonal financial institutions. Its comprehensive service offering, from diverse deposit products to various loan types, aligns with the typical offerings of a community bank aiming to be a full-service financial partner for its local clientele.
Who Are PVBK's Key Customers?
- Small to medium-sized enterprises (SMEs) seeking commercial loans and business banking services.
- Agricultural businesses requiring specialized lending and financial support.
- Non-profit entities needing tailored banking solutions.
- Professional service providers managing their business and personal finances.
- Private individuals seeking deposit accounts, consumer loans, and digital banking conveniences.
Pacific Valley Bancorp (PVBK) Valuation Context
Valued at $46.0M, PVBK is classified as a micro-cap stock. Relative to its peer group, PVBK's quantitative score of 50/100 is below the peer average of 92/100.
PVBK Revenue & Earnings Trend
In Q2 2026, PVBK generated $9.0M in top-line revenue, marking a sequential increase of 3.6%. The company recorded net income of $1.4M, with diluted EPS of $0.24. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, PVBK averaged $0.20 in diluted EPS.
Company Profile
Pacific Valley Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Salinas, US. The company is led by CEO Anker Fanoe. PVBK has traded publicly since 2005.
Key Financial Metrics
Return on equity for Pacific Valley Bancorp stands at 5.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.6%, showing how much profit it generates from its asset base. PVBK trades at a trailing price-to-earnings ratio of 11.96, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Pacific Valley Bancorp's Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
PVBK Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that those closest to the business believe in its growth potential.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong regional presence and customer loyalty.
- Analysts note improvements in operational efficiency, which could enhance profit margins and position the bank favorably in a competitive landscape.
- The overall banking sector has shown resilience, and Pacific Valley Bancorp appears well-positioned to capitalize on this trend, attracting investor interest.
Bear Case
- Concerns over rising interest rates have led to skepticism about the bank's ability to maintain profitability in the near term.
- Social sentiment has revealed some bearish views, particularly regarding potential regulatory challenges that could impact operations.
- Recent discussions have highlighted a lack of diversification in revenue streams, raising worries about long-term sustainability.
- Market perception remains cautious, with some investors fearing that economic uncertainties could hinder growth prospects for regional banks like PVBK.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $9M | $1M | $0.24 |
| Q1 2026 | $9M | $1M | $0.23 |
| Q4 2025 | $9M | $774,000 | $0.14 |
| Q3 2025 | $8M | $950,000 | $0.19 |
Based on FMP financials and quantitative analysis
PVBK Latest News
No recent news available for PVBK.
PVBK Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PVBK.
Price Targets
Wall Street price target analysis for PVBK.
PVBK MoonshotScore
What does this score mean?
The MoonshotScore rates PVBK 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Anker Fanoe
CEO
Anker Fanoe serves as the Chief Executive Officer of Pacific Valley Bancorp, overseeing the strategic direction and operational management of the community bank. While specific details regarding his prior career history and educational background are not provided in the available data, his role as CEO implies extensive experience in financial services and banking. As the leader of a regional bank with 40 employees, his responsibilities encompass guiding the institution's growth, managing its financial performance, and ensuring its adherence to regulatory standards within the competitive California banking landscape.
Track Record: Under Anker Fanoe's leadership, Pacific Valley Bancorp continues to operate as a community-focused financial institution, serving its local markets in Salinas, King City, and Monterey. Specific achievements or strategic decisions under his tenure are not detailed in the provided information. However, his management is responsible for the ongoing provision of diverse financial services, including deposit accounts and various lending products, to individuals and businesses in its operational areas, maintaining the bank's market position since its founding in 2004.
PVBK OTC Market Information
Pacific Valley Bancorp trades on the OTC Other tier of the OTC market. This tier represents companies that do not meet the disclosure requirements for OTCQX or OTCQB, or choose not to be listed on those tiers. Unlike companies listed on major exchanges like the NYSE or NASDAQ, which have stringent listing standards regarding financial performance, corporate governance, and minimum share prices, OTC Other companies face significantly fewer regulatory hurdles. This often results in less publicly available information and a broader range of company quality, from legitimate businesses to speculative ventures. The 'OTC Other' designation indicates the lowest level of disclosure and transparency among the OTC tiers.
- OTC Tier: OTC Other
- **Limited Transparency**: The 'OTC Other' tier implies less stringent disclosure requirements compared to major exchanges, potentially leading to a lack of comprehensive and timely financial information for investors.
- **Illiquidity and Volatility**: Low trading volumes can result in wide bid-ask spreads and significant price fluctuations, making it difficult to execute trades at desired prices.
- **Price Manipulation Risk**: Reduced oversight and transparency on OTC markets can increase the potential for market manipulation and fraudulent activities.
- **Delisting Risk**: Companies on lower OTC tiers may face challenges in maintaining their listing or could be subject to delisting if they fail to meet even minimal requirements, further impacting liquidity.
- **Limited Analyst Coverage**: OTC stocks, especially those on lower tiers, typically receive little to no coverage from institutional analysts, leaving investors with fewer independent research resources.
- Verify the company's official website and any available corporate filings or reports.
- Examine the most recent financial statements (if publicly accessible) to assess profitability, assets, and liabilities.
- Research the management team's background, experience, and track record.
- Investigate any news articles, press releases, or regulatory actions related to the company.
- Assess the company's business model, competitive landscape, and growth prospects within its industry.
- Understand the specific risks associated with OTC trading, including liquidity and disclosure limitations.
- Consult with a financial advisor experienced in OTC markets to understand potential implications.
- The company has a clear and specific business description as a community bank.
- It has a physical headquarters in Salinas, US, and operates in specific California cities.
- Pacific Valley Bancorp was founded in 2004, indicating a sustained operational history.
- A named CEO, Anker Fanoe, is identified as managing 40 employees.
- The company provides a range of traditional banking services, suggesting a legitimate operational framework.
What Investors Ask About Pacific Valley Bancorp (PVBK) — Financial Services
What does the AI Score mean for PVBK?
PVBK holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. Pacific Valley Bancorp (PVBK) is a community bank operating in California, providing a comprehensive suite of financial services including deposits, loans, and digital banking to individuals …
What does Pacific Valley Bancorp do?
Pacific Valley Bancorp operates as a community bank primarily serving the Salinas, King City, and Monterey regions of California. The company offers a comprehensive suite of financial services designed for a diverse clientele, including individuals, small to medium-sized enterprises, agricultural businesses, non-profit organizations, and professional service providers.
How sensitive is PVBK to interest rate changes?
As a regional bank, Pacific Valley Bancorp's profitability is inherently sensitive to changes in interest rates. Its net interest margin (NIM), which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits), is directly impacted by rate movements.
What regulatory challenges does Pacific Valley Bancorp face?
Pacific Valley Bancorp, like all financial institutions, operates within a highly regulated environment, facing numerous challenges from federal and state banking authorities. Key regulatory challenges include maintaining adequate capital requirements to ensure financial stability and absorb potential losses, adhering to strict compliance standards related to anti-money laundering (AML) and know-your-customer (KYC) regulations, and navigating consumer protection laws.
What are the main risks for PVBK?
Pacific Valley Bancorp faces several key risks inherent to its operations as a community bank and its OTC market listing. A primary risk is its exposure to interest rate fluctuations, which can significantly impact its net interest margin and overall profitability.
What are the key factors to evaluate for PVBK?
Pacific Valley Bancorp (PVBK) holds an AI score of 50/100 (moderate). Pacific Valley Bancorp (PVBK) operates as a community bank with a focused strategy on relationship banking within its specific California markets of Salinas, King City, and Monterey. Not financial advice.
How frequently does PVBK data refresh on this page?
PVBK'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 PVBK's recent stock price performance?
Pacific Valley Bancorp (PVBK) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong focus on relationship banking and local community engagement. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PVBK overvalued or undervalued right now?
Pacific Valley Bancorp (PVBK) 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.
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.
- Specific details on CEO background, track record, and tenure are not provided in the source data, leading to general statements.
- Competitor information (FMP PEER TICKERS) was not provided, resulting in an empty list for competitors.
- Growth opportunities are inferred from the company's business model and general industry trends, as specific growth initiatives were not detailed in the source.
- Disclosure status for OTC is 'Unknown' as per source data.