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Pacific Valley BancorpPVBK +0.54%55 PB Ratio is 0.77 as of Aug. 04, 2026, which is 13% below its 10-year median of 0.89. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued). Among 1,514 Banks companies, Pacific Valley Bancorp ranks better than 76.75% on this metric.
Pacific Valley Bancorp stock PB Ratio (=0.77) is close to 5-year low of 0.75.
The historical rank and industry rank for Pacific Valley Bancorp's PB Ratio or its related term are showing as below:
PVBK'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 0.89 Max: 1.29
Current: 0.77
During the past 10 years, Pacific Valley Bancorp's highest PB Ratio was 1.29. The lowest was 0.68. And the median was 0.89.
PVBK's PB Ratio is ranked better than 76.75% of 1514
companies
in the Banks industry
Industry Median: 1.11
vs PVBK: 0.77
During the past 12 months, Pacific Valley Bancorp's average Book Value Per Share Growth Rate was 6.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 8.50% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Pacific Valley Bancorp was 12.20% per year. The lowest was 6.50% per year. And the median was 8.60% per year.
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, Pacific 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.
Pacific Valley Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pacific 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.
Pacific Valley Bancorp (PVBK) has a PB Ratio of 0.77 as of Aug. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pacific Valley Bancorp and its competitors. This is 13% below median its historical median of 0.89. Over the past decade, Pacific Valley Bancorp's PB Ratio has ranged from 0.68 to 1.29. According to the industry distribution chart, Pacific Valley Bancorp ranks #352 out of 1514 companies in the Banks industry, placing it in the top 23.2%.
Is Pacific Valley Bancorp's PB Ratio too high?
Pacific Valley Bancorp's current PB Ratio of 0.77 is 13% below median its 10-year median of 0.89. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 1.29. The Banks industry median PB Ratio is 1.11. Pacific Valley Bancorp's value of 0.77 is 30.6% below this industry median. Based on the distribution chart, Pacific Valley Bancorp ranks #352 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position 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 PB Ratio compare to FSBH and SCYT?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #352 out of 1514 companies for PB Ratio. This places Pacific Valley Bancorp in the top 23% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.11. Pacific Valley Bancorp's value of 0.77 is 30.6% below this benchmark. Historically, Pacific Valley Bancorp's own PB Ratio has ranged from 0.68 to 1.29 over the past decade. While the company's 10-year median is 0.89 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,514 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. Pacific Valley Bancorp's current PB Ratio of 0.77 is 30.6% 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 Pacific 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. Pacific Valley Bancorp's current PB Ratio is 0.77, which is 13% below median its own 10-year median of 0.89. 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 $9.35 — trading 9.8% below its estimated fair value. The current PB Ratio is 0.77, which is 13% below median its 10-year median of 0.89 and 30.6% below the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current PB Ratio is 0.77 as of Aug. 04, 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 Pacific Valley Bancorp (PVBK) Overvalued in 2026?
Based on GuruFocus' analysis, Pacific Valley Bancorp stock appears to be undervalued.
The current stock price of $9.35 is trading 9.8% below its estimated GF Value™ of $10.37.
GuruFocus considers Pacific Valley Bancorp to be Modestly Undervalued.
Key valuation signals for PVBK:
PB Ratio: 0.77 (13% below median its 10-year median of 0.89)
GF Value™: $10.37 vs. price of $9.35 (9.8% below fair value)
Industry Position: 30.6% below the Banks median (#352 of 1514)
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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