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Mission Valley BancorpMVLY +0.25%71 PB Ratio is 0.97 as of Jul. 19, 2026, which is 4% below its 10-year median of 1.01. GuruFocus rates MVLY with a GF Score™ of 71/100 and a GF Value™ of $17.73 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,518 Banks companies, Mission Valley Bancorp ranks better than 61.59% on this metric.
The historical rank and industry rank for Mission Valley Bancorp's PB Ratio or its related term are showing as below:
MVLY'
s PB Ratio Range Over the Past 10 Years
Min: 0.66 Med: 1.01 Max: 1.76
Current: 0.97
During the past 13 years, Mission Valley Bancorp's highest PB Ratio was 1.76. The lowest was 0.66. And the median was 1.01.
MVLY's PB Ratio is ranked better than 61.59% of 1518
companies
in the Banks industry
Industry Median: 1.11
vs MVLY: 0.97
During the past 12 months, Mission Valley Bancorp's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 9.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Mission Valley Bancorp was 15.30% per year. The lowest was -4.20% per year. And the median was 9.40% per year.
Back to Basics: PB Ratio
Mission Valley Bancorp (OTCPK:MVLY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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, Mission Valley Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Mission Valley Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Mission Valley Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mission Valley Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Mission Valley Bancorp (MVLY) has a PB Ratio of 0.97 as of Jul. 19, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mission Valley Bancorp and its competitors. This is near median its historical median of 1.01. Over the past decade, Mission Valley Bancorp's PB Ratio has ranged from 0.66 to 1.76. According to the industry distribution chart, Mission Valley Bancorp ranks #583 out of 1518 companies in the Banks industry, placing it in the top 38.4%.
Is Mission Valley Bancorp's PB Ratio too high?
Mission Valley Bancorp's current PB Ratio of 0.97 is near median its 10-year median of 1.01. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 1.76. The Banks industry median PB Ratio is 1.11. Mission Valley Bancorp's value of 0.97 is 12.6% below this industry median. Based on the distribution chart, Mission Valley Bancorp ranks #583 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Mission Valley Bancorp has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mission Valley Bancorp's PB Ratio compare to CBWA and ASRV?
According to the Banks industry distribution chart, Mission Valley Bancorp ranks #583 out of 1518 companies for PB Ratio. This puts Mission Valley Bancorp in the upper half of its industry. The industry median PB Ratio is 1.11. Mission Valley Bancorp's value of 0.97 is 12.6% below this benchmark. Historically, Mission Valley Bancorp's own PB Ratio has ranged from 0.66 to 1.76 over the past decade. While the company's 10-year median is 1.01 vs. the industry median of 1.11, Mission 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mission Valley Bancorp's current PB Ratio of 0.97 is 12.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mission Valley Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mission Valley Bancorp's current PB Ratio is 0.97, which is near median its own 10-year median of 1.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mission Valley Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mission Valley Bancorp (MVLY) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.73, compared to a current price of $19.95 — trading 12.5% above its estimated fair value. The current PB Ratio is 0.97, which is near median its 10-year median of 1.01 and 12.6% below the Banks industry median of 1.11. Mission Valley Bancorp's overall GF Score™ is 71/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Mission Valley Bancorp (MVLY), the current PB Ratio is 0.97 as of Jul. 19, 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 Mission Valley Bancorp (MVLY) Overvalued in 2026?
Based on GuruFocus' analysis, Mission Valley Bancorp stock appears to be overvalued.
The current stock price of $19.95 is trading 12.5% above its estimated GF Value™ of $17.73.
GuruFocus considers Mission Valley Bancorp to be Modestly Overvalued.
Key valuation signals for MVLY:
PB Ratio: 0.97 (near median its 10-year median of 1.01)
GF Value™: $17.73 vs. price of $19.95 (12.5% above fair value)
Industry Position: 12.6% below the Banks median (#583 of 1518)
No single metric tells the full story. See the MVLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mission Valley Bancorp along with its subsidiaries provides a full range of banking services to individual and corporate customers through the bank. The bank four branches located in Sun Valley, Valencia, Arcadia, and Burbank, California. It also makes available Online Banking, Business Banking, Loans, and Personal banking for its customers. Also, it has been authorized by the Federal Reserve Bank of San Francisco to engage in lending activities, separate from the bank.
71GF Score
Get the complete analysis for MVLY
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