PVBK (Pacific Valley Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Aug. 04, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PVBK Pacific Valley Bancorp PVBK
55 GF Score
Price $9.25
GF Value $10.37
Valuation Modestly Undervalued
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What is Pacific Valley Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Pacific Valley Bancorp's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

PVBK vs FSBH, SCYT, TCBS: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Pacific Valley Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Pacific Valley Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Pacific Valley Bancorp's Margin of Safety % (DCF FCF Based) falls into.


PVBK
55GF Score
Pacific Valley Bancorp PVBK
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $10.37 vs. price of $9.25 (10.8% below fair value)
  • GF Score™: 55/100

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 Business Description

Address 150 Main Street, Suite 210, Salinas, CA, USA, 93901
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

Get the complete analysis for PVBK

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.25
Price
$10.37
GF Value