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Pacific Valley BancorpPVBK 55 3-Year EPS without NRI Growth Rate is -12.50% as of Dec. 2025. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.39 (Modestly Undervalued). Among 1,402 Banks companies, Pacific Valley Bancorp ranks worse than 88.8% on this metric.
During the past 12 months, Pacific Valley Bancorp's average EPS without NRI Growth Rate was -20.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -12.50% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 1.90% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Pacific Valley Bancorp was 24.70% per year. The lowest was -12.50% per year. And the median was 9.10% per year.
Pacific Valley Bancorp (OTCPK:PVBK) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Pacific Valley Bancorp 3-Year EPS without NRI Growth Rate Related Terms
PVBK vs FSBH, KFFB, TCBS: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Pacific Valley Bancorp's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's 3-Year EPS without NRI Growth Rate falls into.
Pacific Valley Bancorp 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -12.50% mean?
Pacific Valley Bancorp (PVBK) has a 3-Year EPS without NRI Growth Rate of -12.50% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pacific Valley Bancorp and its competitors. According to the industry distribution chart, Pacific Valley Bancorp ranks #1245 out of 1402 companies in the Banks industry, placing it in the top 88.8%.
Is Pacific Valley Bancorp's 3-Year EPS without NRI Growth Rate too high?
Pacific Valley Bancorp's current 3-Year EPS without NRI Growth Rate is -12.50%. Based on the distribution chart, Pacific Valley Bancorp ranks #1245 out of 1402 companies in the Banks industry, which is in the bottom quartile 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 3-Year EPS without NRI Growth Rate compare to FSBH and KFFB?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #1245 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places Pacific Valley Bancorp in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Pacific Valley Bancorp and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current 3-Year EPS without NRI Growth Rate is -12.50%. 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 3-Year EPS without NRI Growth Rate is -12.50%. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current 3-Year EPS without NRI Growth Rate is -12.50% 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:
3-Year EPS without NRI Growth Rate: -12.50%
GF Value™: $10.39 vs. price of $9.29 (10.6% below fair value)
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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