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* 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's OCF 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 OCF Margin % of 0.00% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pacific Valley Bancorp and its competitors. According to the industry distribution chart, Pacific Valley Bancorp ranks #1159 out of 1524 companies in the Banks industry, placing it in the top 76%.
Is Pacific Valley Bancorp's OCF Margin % too high?
Pacific Valley Bancorp's current OCF Margin % is 0.00%. Based on the distribution chart, Pacific Valley Bancorp ranks #1159 out of 1524 companies in the Banks industry, which is in the bottom quartile 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 OCF Margin % compare to FSBH and KFFB?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #1159 out of 1524 companies for OCF Margin %. This places Pacific Valley Bancorp in the lower half of its industry. The industry median OCF Margin % is 31.97. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 31.97, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 31.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current OCF Margin % is 0.00%. 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 $10.39, compared to a current price of $9.29 — trading 10.6% below its estimated fair value. The current OCF Margin % is 0.00%. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current OCF Margin % is 0.00% 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 $9.29 is trading 10.6% below its estimated GF Value™ of $10.39.
GuruFocus considers Pacific Valley Bancorp to be Modestly Undervalued.
Key valuation signals for PVBK:
OCF Margin %: 0.00%
GF Value™: $10.39 vs. price of $9.29 (10.6% 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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