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Pacific Valley BancorpPVBK +0.54%55 Equity-to-Asset is 0.10 as of Dec. 2025, which is 11% above its 10-year median of 0.09. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued). Among 1,524 Banks companies, Pacific Valley Bancorp ranks better than 54.92% on this metric.
Pacific Valley Bancorp (OTCPK:PVBK) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Pacific Valley Bancorp Equity-to-Asset Related Terms
Pacific Valley Bancorp Equity-to-Asset Historical Data
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The historical data trend for Pacific Valley Bancorp's Equity-to-Asset can be seen below:
* 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.
PVBK vs FSBH, SCYT, TCBS: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pacific Valley Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's Equity-to-Asset falls into.
Pacific Valley Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Pacific Valley Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.10 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pacific Valley Bancorp and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Pacific Valley Bancorp's Equity-to-Asset has ranged from 0.08 to 0.10. According to the industry distribution chart, Pacific Valley Bancorp ranks #687 out of 1524 companies in the Banks industry, placing it in the top 45.1%.
Is Pacific Valley Bancorp's Equity-to-Asset too high?
Pacific Valley Bancorp's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.10. The Banks industry median Equity-to-Asset is 0.10. Pacific Valley Bancorp's value of 0.10 is 0% at this industry median. Based on the distribution chart, Pacific Valley Bancorp ranks #687 out of 1524 companies in the Banks industry, which is above the industry midpoint. 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 Equity-to-Asset compare to FSBH and SCYT?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #687 out of 1524 companies for Equity-to-Asset. This puts Pacific Valley Bancorp in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Pacific Valley Bancorp's value of 0.10 is 0% at this benchmark. Historically, Pacific Valley Bancorp's own Equity-to-Asset has ranged from 0.08 to 0.10 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Pacific Valley Bancorp has consistently been at 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Valley Bancorp's current Equity-to-Asset of 0.10 is 0% at 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. 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 $10.37, compared to a current price of $9.35 — trading 9.8% below its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current Equity-to-Asset is 0.10 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 $9.35 is trading 9.8% below its estimated GF Value™ of $10.37.
GuruFocus considers Pacific Valley Bancorp to be Modestly Undervalued.
Key valuation signals for PVBK:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $10.37 vs. price of $9.35 (9.8% below fair value)
Industry Position: 0% at the Banks median (#687 of 1524)
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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