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Pacific Valley BancorpPVBK +0.54%55 Return-on-Tangible-Equity is 5.68% as of Dec. 2025, which is 33% below its 10-year median of 8.43. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued). Among 1,521 Banks companies, Pacific Valley Bancorp ranks worse than 80.6% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Pacific Valley Bancorp's annualized net income for the quarter that ended in Dec. 2025 was $3.59 Mil. Pacific Valley Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $63.22 Mil. Therefore, Pacific Valley Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 5.68%.
The historical rank and industry rank for Pacific Valley Bancorp's Return-on-Tangible-Equity or its related term are showing as below:
PVBK'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -7.73 Med: 8.43 Max: 11.52
Current: 5.68
During the past 10 years, Pacific Valley Bancorp's highest Return-on-Tangible-Equity was 11.52%. The lowest was -7.73%. And the median was 8.43%.
PVBK's Return-on-Tangible-Equity is ranked worse than 80.6% of 1521
companies
in the Banks industry
Industry Median: 11.44
vs PVBK: 5.68
Pacific Valley Bancorp (OTCPK:PVBK) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Pacific Valley Bancorp Return-on-Tangible-Equity Related Terms
Pacific Valley Bancorp Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Pacific Valley Bancorp's Return-on-Tangible-Equity 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.
Pacific Valley Bancorp Return-on-Tangible-Equity Chart
PVBK vs FSBH, SCYT, TCBS: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Pacific Valley Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Pacific Valley Bancorp's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Pacific Valley Bancorp's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 5.68% mean?
Pacific Valley Bancorp (PVBK) has a Return-on-Tangible-Equity of 5.68% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pacific Valley Bancorp and its competitors. This is 33% below median its historical median of 8.43. According to the industry distribution chart, Pacific Valley Bancorp ranks #1226 out of 1521 companies in the Banks industry, placing it in the top 80.6%.
Is Pacific Valley Bancorp's Return-on-Tangible-Equity too high?
Pacific Valley Bancorp's current Return-on-Tangible-Equity of 5.68% is 33% below median its 10-year median of 8.43. The Banks industry median Return-on-Tangible-Equity is 11.44. Pacific Valley Bancorp's value of 5.68% is 50.3% below this industry median. Based on the distribution chart, Pacific Valley Bancorp ranks #1226 out of 1521 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 Return-on-Tangible-Equity compare to FSBH and SCYT?
According to the Banks industry distribution chart, Pacific Valley Bancorp ranks #1226 out of 1521 companies for Return-on-Tangible-Equity. This places Pacific Valley Bancorp in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.44. Pacific Valley Bancorp's value of 5.68% is 50.3% below this benchmark. While the company's 10-year median is 8.43 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pacific Valley Bancorp's current Return-on-Tangible-Equity of 5.68% is 50.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current Return-on-Tangible-Equity is 5.68%, which is 33% below median its own 10-year median of 8.43. 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 Return-on-Tangible-Equity is 5.68%, which is 33% below median its 10-year median of 8.43 and 50.3% below the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current Return-on-Tangible-Equity is 5.68% 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 $9.35 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:
Return-on-Tangible-Equity: 5.68% (33% below median its 10-year median of 8.43)
GF Value™: $10.37 vs. price of $9.35 (9.8% below fair value)
Industry Position: 50.3% below the Banks median (#1226 of 1521)
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
Get the complete analysis for PVBK
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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