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Pacific Valley BancorpPVBK -1.07%55 FCF Margin % is 2.38% as of Dec. 2025, which is 88% below its 10-year median of 19.48. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued). Among 1,501 Banks companies, Pacific Valley Bancorp ranks worse than 72.88% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's FCF Margin % 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 FCF Margin % of 2.38% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pacific Valley Bancorp and its competitors. This is 88% below median its historical median of 19.48. According to the industry distribution chart, Pacific Valley Bancorp ranks #1094 out of 1501 companies in the Banks industry, placing it in the top 72.9%.
Is Pacific Valley Bancorp's FCF Margin % too high?
Pacific Valley Bancorp's current FCF Margin % of 2.38% is 88% below median its 10-year median of 19.48. The Banks industry median FCF Margin % is 26.15. Pacific Valley Bancorp's value of 2.38% is 90.9% below this industry median. Based on the distribution chart, Pacific Valley Bancorp ranks #1094 out of 1501 companies in the Banks industry, which is below 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 FCF Margin % compare to FSBH and SCYT?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #1094 out of 1501 companies for FCF Margin %. This places Pacific Valley Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.15. Pacific Valley Bancorp's value of 2.38% is 90.9% below this benchmark. While the company's 10-year median is 19.48 vs. the industry median of 26.15, Pacific Valley Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.15, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Valley Bancorp's current FCF Margin % of 2.38% is 90.9% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current FCF Margin % is 2.38%, which is 88% below median its own 10-year median of 19.48. 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 $9.25 — trading 10.8% below its estimated fair value. The current FCF Margin % is 2.38%, which is 88% below median its 10-year median of 19.48 and 90.9% below the Banks industry median of 26.15. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current FCF Margin % is 2.38% 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 $9.25 is trading 10.8% below its estimated GF Value™ of $10.37.
GuruFocus considers Pacific Valley Bancorp to be Modestly Undervalued.
Key valuation signals for PVBK:
FCF Margin %: 2.38% (88% below median its 10-year median of 19.48)
GF Value™: $10.37 vs. price of $9.25 (10.8% below fair value)
Industry Position: 90.9% below the Banks median (#1094 of 1501)
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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