Golden VY BancsharesGVYB 53 Piotroski F-Score is 8 as of Jul. 02, 2026, which is 33% above its 10-year median of 6.00. GuruFocus rates GVYB with a GF Score™ of 53/100 and a GF Value™ of $22.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,500 Banks companies, Golden VY Bancshares ranks better than 92.73% on this metric.
Good Sign:
Piotroski F-Score is 8, indicates a very healthy situation.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Golden VY Bancshares has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
The historical rank and industry rank for Golden VY Bancshares's Piotroski F-Score or its related term are showing as below:
GVYB'
s Piotroski F-Score Range Over the Past 10 Years
Min: 3 Med: 6 Max: 8
Current: 8
During the past 8 years, the highest Piotroski F-Score of Golden VY Bancshares was 8. The lowest was 3. And the median was 6.
Golden VY Bancshares (OTCPK:GVYB) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Golden VY Bancshares Piotroski F-Score Related Terms
Golden VY Bancshares Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Golden VY Bancshares's Piotroski F-Score 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.
GVYB vs WSSH, TBBC, TCBS: Piotroski F-Score Comparison
For the Banks - Regional subindustry, Golden VY Bancshares's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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.
Golden VY Bancshares Piotroski F-Score vs Banks Industry
For the Banks industry and Financial Services sector, Golden VY Bancshares's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Golden VY Bancshares's Piotroski F-Score 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Golden VY Bancshares's current Net Income (TTM) was 4.62.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Golden VY Bancshares's return on assets of this year was 0.00860727. Golden VY Bancshares's return on assets of last year was 0.00664191.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Golden VY Bancshares's gearing of this year was 0.01445455. Golden VY Bancshares's gearing of last year was 0.01374829.
==> Last year is lower than this year ==> Score 0.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
Golden VY Bancshares's current ratio of this year was 1.07833661. Golden VY Bancshares's current ratio of last year was 1.07778555.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Golden VY Bancshares's number of shares in issue this year was 2.272. Golden VY Bancshares's number of shares in issue last year was 2.281.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
Golden VY Bancshares's net margin of this year was 0.23796268. Golden VY Bancshares's net margin of last year was 0.20477062.
==> This year's net margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Golden VY Bancshares's asset turnover of this year was 0.03617066. Golden VY Bancshares's asset turnover of last year was 0.03243587.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Golden VY Bancshares has an F-score of 8. It is a good or high score, which usually indicates a very healthy situation.
Golden VY Bancshares (GVYB) has a Piotroski F-Score of 8 as of Jul. 02, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Golden VY Bancshares and its competitors. This is 33% above median its historical median of 6.00. Over the past decade, Golden VY Bancshares' Piotroski F-Score has ranged from 3.00 to 8.00. According to the industry distribution chart, Golden VY Bancshares ranks #109 out of 1500 companies in the Banks industry, placing it in the top 7.3%.
Is Golden VY Bancshares' Piotroski F-Score too high?
Golden VY Bancshares' current Piotroski F-Score of 8 is 33% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 3.00 to a high of 8.00. The Banks industry median Piotroski F-Score is 6.00. Golden VY Bancshares' value of 8 is 33.3% above this industry median. Based on the distribution chart, Golden VY Bancshares ranks #109 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Golden VY Bancshares has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Piotroski F-Score compare to WSSH and TBBC?
According to the Banks industry distribution chart, Golden VY Bancshares ranks #109 out of 1500 companies for Piotroski F-Score. This places Golden VY Bancshares in the top 7% of its industry — outperforming the majority of peers. The industry median Piotroski F-Score is 6.00. Golden VY Bancshares' value of 8 is 33.3% above this benchmark. Historically, Golden VY Bancshares' own Piotroski F-Score has ranged from 3.00 to 8.00 over the past decade. While the company's 10-year median is 6.00 vs. the industry median of 6.00, Golden VY Bancshares 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 Piotroski F-Score for a Banks company?
The median Piotroski F-Score among Banks companies is 6.00, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Golden VY Bancshares's current Piotroski F-Score of 8 is 33.3% 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Golden VY Bancshares and its competitors. For the Banks industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Golden VY Bancshares's current Piotroski F-Score is 8, which is 33% above median its own 10-year median of 6.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $26.00 — trading 15.4% above its estimated fair value. The current Piotroski F-Score is 8, which is 33% above median its 10-year median of 6.00 and 33.3% above the Banks industry median of 6.00. Golden VY Bancshares' overall GF Score™ is 53/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Golden VY Bancshares (GVYB), the current Piotroski F-Score is 8 as of Jul. 02, 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 Golden VY Bancshares (GVYB) Overvalued in 2026?
Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued.
The current stock price of $26.00 is trading 15.4% above its estimated GF Value™ of $22.53.
GuruFocus considers Golden VY Bancshares to be Modestly Overvalued.
Key valuation signals for GVYB:
Piotroski F-Score: 8 (33% above median its 10-year median of 6.00)
GF Value™: $22.53 vs. price of $26.00 (15.4% above fair value)
Industry Position: 33.3% above the Banks median (#109 of 1500)
No single metric tells the full story. See the GVYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
53GF Score
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