Temecula Valley Bancorp Inc. (TMCV) Stock Price & Analysis
Educational signal · not a buy or sell recommendation · How to read this
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 17, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerTemecula Valley Bancorp Inc. (TMCV) trades at $0.0001. Temecula Valley Bancorp Inc. filed for liquidation under Chapter 7 bankruptcy in 2009. Sector: Financials.
Price as of · 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.
No score published: we hold no usable price for this ticker, and a grade beside a missing price says nothing.
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.
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 | MoonshotScore |
|---|---|---|---|---|
| RBRI RBR Global Inc. | $0.06 | +566.67% | $140M | — |
| OPHC OptimumBank Holdings, Inc. | $9.04 | +4.03% | $110M | 88 5-pillar |
| SBFG SB Financial Group, Inc. | $29.40 | 0.00% | $184M | 90 5-pillar |
| FCAP First Capital, Inc. | $62.90 | +1.45% | $210M | 88 5-pillar |
| HWBK Hawthorn Bancshares, Inc. | $38.63 | +1.02% | $267M | 89 5-pillar |
| FXNC First National Corporation | $30.06 | +1.45% | $272M | 88 5-pillar |
| ATLO Ames National Corporation | $32.36 | +1.99% | $287M | 91 5-pillar |
| BPRN Princeton Bancorp, Inc. | $43.72 | +1.30% | $298M | 90 5-pillar |
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 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 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.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● No usable price
- ● No filing on record
- ● No analyst coverage
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.
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.
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.
TMCV Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
TMCV Latest News
No recent news available for TMCV.
TMCV Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for TMCV.
Price Targets
Wall Street price target analysis for TMCV.
TMCV MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for TMCV; grades run from A+ (80-100) to F (below 30).
Leadership: Stephen H. Wacknitz
Unknown
Stephen H. Wacknitz was managing 212 employees at Temecula Valley Bancorp Inc. 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 Financials Stock FAQ
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.
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
MoonshotScore is not published for this security.
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.