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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pacific Valley Bancorp's Enterprise Value is $-44.94 Mil.
Pacific Valley Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.52 Mil. Therefore, Pacific Valley Bancorp's EV-to-FCF for today is -86.42.
The historical rank and industry rank for Pacific Valley Bancorp's EV-to-FCF or its related term are showing as below:
PVBK'
s EV-to-FCF Range Over the Past 10 Years
Min: -99.08 Med: 4.05 Max: 8.73
Current: -86.42
During the past 10 years, the highest EV-to-FCF of Pacific Valley Bancorp was 8.73. The lowest was -99.08. And the median was 4.05.
PVBK's EV-to-FCF is ranked better than 99.67% of 1197
companies
in the Banks industry
Industry Median: 7.25
vs PVBK: -86.42
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pacific Valley Bancorp (OTCPK:PVBK) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pacific Valley Bancorp's PE Ratio (TTM) for today is calculated as:
Pacific Valley Bancorp's share price for today is $9.35.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pacific Valley Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $0.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Pacific Valley Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's EV-to-FCF falls into.
Pacific Valley Bancorp's current Enterprise Value is $-44.94 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Pacific Valley Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $0.52 Mil.
* 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 EV-to-FCF of -86.42 as of Aug. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pacific Valley Bancorp and its competitors. According to the industry distribution chart, Pacific Valley Bancorp ranks #4 out of 1197 companies in the Banks industry, placing it in the top 0.3%.
Is Pacific Valley Bancorp's EV-to-FCF too high?
Pacific Valley Bancorp's current EV-to-FCF is -86.42. Based on the distribution chart, Pacific Valley Bancorp ranks #4 out of 1197 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 EV-to-FCF compare to FSBH and SCYT?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #4 out of 1197 companies for EV-to-FCF. This places Pacific Valley Bancorp in the top 0% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.25. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.25, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current EV-to-FCF is -86.42. 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 EV-to-FCF is -86.42. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current EV-to-FCF is -86.42 as of Aug. 04, 2026. 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:
EV-to-FCF: -86.42
GF Value™: $10.37 vs. price of $9.35 (9.8% 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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EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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