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Pacific Valley BancorpPVBK 55 Cash-to-Debt is 6.49 as of Dec. 2025, which is 6% below its 10-year median of 6.90. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.39 (Modestly Undervalued). Among 1,492 Banks companies, Pacific Valley Bancorp ranks better than 80.63% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Pacific Valley Bancorp's cash to debt ratio for the quarter that ended in Dec. 2025 was 6.49.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Pacific Valley Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Pacific Valley Bancorp's Cash-to-Debt or its related term are showing as below:
PVBK'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.17 Med: 6.9 Max: No Debt
Current: 6.9
During the past 7 years, Pacific Valley Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 1.17. And the median was 6.90.
PVBK's Cash-to-Debt is ranked better than 80.63% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs PVBK: 6.90
Pacific Valley Bancorp (OTCPK:PVBK) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Pacific Valley Bancorp Cash-to-Debt Related Terms
Pacific Valley Bancorp Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Pacific Valley Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pacific Valley Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pacific Valley Bancorp (PVBK) has a Cash-to-Debt of 6.49 as of Dec. 2025. This is near median its historical median of 6.90. Over the past decade, Pacific Valley Bancorp's Cash-to-Debt has ranged from 1.17 to 10,000.00. According to the industry distribution chart, Pacific Valley Bancorp ranks #289 out of 1492 companies in the Banks industry, placing it in the top 19.4%.
Is Pacific Valley Bancorp's Cash-to-Debt too high?
Pacific Valley Bancorp's current Cash-to-Debt of 6.49 is near median its 10-year median of 6.90. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.37. Pacific Valley Bancorp's value of 6.49 is 373.7% above this industry median. Based on the distribution chart, Pacific Valley Bancorp ranks #289 out of 1492 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pacific Valley Bancorp has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Pacific Valley Bancorp's Cash-to-Debt compare to FSBH and KFFB?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #289 out of 1492 companies for Cash-to-Debt. This places Pacific Valley Bancorp in the top 19% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.37. Pacific Valley Bancorp's value of 6.49 is 373.7% above this benchmark. Historically, Pacific Valley Bancorp's own Cash-to-Debt has ranged from 1.17 to 10,000.00 over the past decade. While the company's 10-year median is 6.90 vs. the industry median of 1.37, Pacific Valley Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Valley Bancorp's current Cash-to-Debt of 6.49 is 373.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current Cash-to-Debt is 6.49, which is near median its own 10-year median of 6.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pacific Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pacific Valley Bancorp (PVBK) is currently considered Modestly Undervalued. The stock's GF Value™ is $10.39, compared to a current price of $9.29 — trading 10.6% below its estimated fair value. The current Cash-to-Debt is 6.49, which is near median its 10-year median of 6.90 and 373.7% above the Banks industry median of 1.37. Pacific Valley Bancorp's overall GF Score™ is 55/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current Cash-to-Debt is 6.49 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pacific Valley Bancorp (PVBK) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Valley Bancorp stock appears to be undervalued.
The current stock price of $9.29 is trading 10.6% below its estimated GF Value™ of $10.39.
GuruFocus considers Pacific Valley Bancorp to be Modestly Undervalued.
Key valuation signals for PVBK:
Cash-to-Debt: 6.49 (near median its 10-year median of 6.90)
GF Value™: $10.39 vs. price of $9.29 (10.6% below fair value)
Industry Position: 373.7% above the Banks median (#289 of 1492)
No single metric tells the full story. See the PVBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pacific Valley Bancorp provides personal and business banking products and services. It offers commercial, agricultural, and real estate lending products. The Bank offers a complete array of checking and savings accounts, along with money management products that would satisfy any individual or business banking customer's needs. It also offers online banking, mobile banking, and other services. Its portfolio segments includes Construction and Land Development, Real Estate-Other, Commercial and Agriculture, and Consumer.
55GF Score
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