PVBK (Pacific Valley Bancorp) ROC %: % (As of Dec. 2025)

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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 ROC %?

Pacific Valley Bancorp PVBK -1.07% 55 ROC % is % as of Dec. 2025. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued).

ROC %does not apply to banks.

PVBK
55GF Score
Pacific Valley Bancorp PVBK
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Pacific Valley Bancorp (PVBK) has a ROC % of % as of Dec. 2025. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Pacific Valley Bancorp and its competitors.
Is Pacific Valley Bancorp's ROC % too high?
Pacific Valley Bancorp's current ROC % is %. 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 ROC % compare to FSBH and SCYT?
Pacific Valley Bancorp's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.76. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.76, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Pacific Valley Bancorp and its competitors. For the Banks industry, the median ROC % is 1.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pacific Valley Bancorp's current ROC % is %. 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 $9.25 — trading 10.8% below its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current ROC % is % 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 $9.25 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:

  • ROC %: %
  • 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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.25
Price
$10.37
GF Value