PVBK (Pacific Valley Bancorp) ROE % Adjusted to Book Value: 7.01% (As of Dec. 2025)

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PVBK Pacific Valley Bancorp PVBK
55 GF Score
Price $9.35
GF Value $10.37
Valuation Modestly Undervalued
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What is Pacific Valley Bancorp ROE % Adjusted to Book Value?

Pacific Valley Bancorp PVBK +0.54% 55 ROE % Adjusted to Book Value is 7.01% as of Dec. 2025. GuruFocus rates PVBK with a GF Score™ of 55/100 and a GF Value™ of $10.37 (Modestly Undervalued).

Pacific Valley Bancorp's ROE % for the quarter that ended in Dec. 2025 was 5.68%. Pacific Valley Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 0.81. Pacific Valley Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 7.01%.


Pacific Valley Bancorp ROE % Adjusted to Book Value Related Terms


Pacific Valley Bancorp ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Pacific Valley Bancorp's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Pacific Valley Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.09 10.38 12.07 9.87 7.01

Pacific Valley Bancorp Semi-Annual Data
Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only 9.09 10.38 12.07 9.87 7.01

PVBK vs FSBH, SCYT, TCBS: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Pacific Valley Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Pacific Valley Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Pacific Valley Bancorp's ROE % Adjusted to Book Value falls into.


PVBK
55GF Score
Pacific Valley Bancorp PVBK
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Pacific Valley Bancorp ROE % Adjusted to Book Value Calculation

Pacific Valley Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.68% / 0.81
=7.01%

Pacific Valley Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=5.68% / 0.81
=7.01%

* 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.

What does a ROE % Adjusted to Book Value of 7.01% mean?
Pacific Valley Bancorp (PVBK) has a ROE % Adjusted to Book Value of 7.01% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pacific Valley Bancorp and its competitors.
Is Pacific Valley Bancorp's ROE % Adjusted to Book Value too high?
Pacific Valley Bancorp's current ROE % Adjusted to Book Value is 7.01%. 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 ROE % Adjusted to Book Value compare to FSBH and SCYT?
Pacific Valley Bancorp's ROE % Adjusted to Book Value of 7.01% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Pacific Valley Bancorp and its competitors. Pacific Valley Bancorp's current ROE % Adjusted to Book Value is 7.01%. 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 ROE % Adjusted to Book Value is 7.01%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Pacific Valley Bancorp (PVBK), the current ROE % Adjusted to Book Value is 7.01% 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:

  • ROE % Adjusted to Book Value: 7.01%
  • GF Value™: $10.37 vs. price of $9.35 (9.8% 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

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

$9.35
Price
$10.37
GF Value