GVYB Financials: Golden Valley Bank AI Analysis

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Financials

GVYB Financial

Golden Valley Bank

$25.73

7.2%

$1.73

At close: Jun 30, 16:00:00 GMT-4

$25.73

Pre-market: Jul 01, 08:04:29 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$24

Open

$25.73

Day's Range

$25.73 - $25.73

52 week range

$17.18 - $25.73

Volume

100

Avg.Volume

760

Dividend yield

EPS (TTM)

Market Cap

$57.6M

What is GVYB?

Golden Valley Bancshares, Inc. operates as a bank holding company. The company is headquartered in Chico, California. The company went IPO on 2006-08-10. The Bank’s services include business, personal and lending. Its business services include checking and savings, debit cards, education center, ACH and wire, e-deposit, positive pay, merchant services, online banking, mobile banking, bill pay, and CardValet. The Bank’s personal services include checking and savings, certificate of deposits (CDs) and individual retirement accounts (IRAs), debit cards, education center, online banking, mobile banking, bill pay, and Zelle. The Bank’s business lending includes commercial loans, small business administration (SBA) loans and credit cards. The Bank’s personal lending includes home loans and credit cards. The Bank has full-service offices in Chico, Redding and Oroville, California.

Features

Markets

News

Breakdown	TTM	03/31/2026	12/31/2025	09/30/2025	06/30/2025	03/31/2025
Revenue	427	94	125	110	97	74
Revenue Growth (YoY)	18%	27%	8%	12%	33%	61%
Cost of Revenue	32	4	10	3	12	12
Gross Profit	395	89	114	106	85	61
Selling, General & Admin	356	102	86	83	83	83
Research & Development	76	20	22	18	15	14
Operating Expenses	433	122	109	101	99	98
Other Non Operating Income (Expenses)	0	0	0	0	0	0
Pretax Income	-57	-37	0	0	-19	-40
Income Tax Expense	0	0	0	0	0	0
Net Income	-58	-37	0	0	-19	-41
Net Income Growth	9%	-10%	-100%	--	19%	57.99%
Shares Outstanding (Diluted)	245.85	245.85	243.63	241.9	239.92	238.62
Shares Change (YoY)	3%	3%	3%	3%	2%	2%
EPS (Diluted)	-0.23	-0.15	0	0	-0.07	-0.17
EPS Growth	7%	-11%	-109%	--	14%	51%
Free Cash Flow	-37	-32	20	0	-25	-38
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	92.5%	94.68%	91.2%	96.36%	87.62%	82.43%
Operating Margin	-8.66%	-34.04%	4%	3.63%	-14.43%	-48.64%
Profit Margin	-13.58%	-39.36%	0%	0%	-19.58%	-55.4%
Free Cash Flow Margin	-8.66%	-34.04%	16%	0%	-25.77%	-51.35%
EBITDA	-34	-32	5	4	-14	-36
EBITDA Margin	-7.96%	-34.04%	4%	3.63%	-14.43%	-48.64%
D&A For EBITDA	3	0	0	0	0	0
EBIT	-37	-32	5	4	-14	-36
EBIT Margin	-8.66%	-34.04%	4%	3.63%	-14.43%	-48.64%
Effective Tax Rate	0%	0%	0%	0%	0%	0%

Breakdown

TTM

03/31/2026

12/31/2025

09/30/2025

06/30/2025

03/31/2025

Revenue

427

125

110

Revenue Growth (YoY)

18%

27%

12%

33%

61%

Cost of Revenue

Gross Profit

395

114

106

Selling, General & Admin

356

102

Research & Development

Operating Expenses

433

122

109

101

Other Non Operating Income (Expenses)

Pretax Income

-57

-37

-19

-40

Income Tax Expense

Net Income

-58

-37

-19

-41

Net Income Growth

-10%

-100%

19%

57.99%

Shares Outstanding (Diluted)

245.85

243.63

241.9

239.92

238.62

Shares Change (YoY)

EPS (Diluted)

-0.23

-0.15

-0.07

-0.17

EPS Growth

-11%

-109%

14%

51%

Free Cash Flow

-37

-32

-25

-38

Free Cash Flow Per Share

Gross Margin

92.5%

94.68%

91.2%

96.36%

87.62%

82.43%

Operating Margin

-8.66%

-34.04%

3.63%

-14.43%

-48.64%

Profit Margin

-13.58%

-39.36%

-19.58%

-55.4%

Free Cash Flow Margin

-8.66%

-34.04%

16%

-25.77%

-51.35%

EBITDA

-34

-32

-14

-36

EBITDA Margin

-7.96%

-34.04%

3.63%

-14.43%

-48.64%

D&A For EBITDA

EBIT

-37

-32

-14

-36

EBIT Margin

-8.66%

-34.04%

3.63%

-14.43%

-48.64%

Effective Tax Rate

Follow-Up Questions

What are Golden Valley Bank's key financial statements?

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According to the latest financial statement (Form-10K), Ardelyx Inc has a total asset of $0, Net loss of $0

What are the key financial ratios for GVYB?

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Ardelyx Inc's Current ratio is 0, has a Net margin is 0, sales per share of $0.

How is Golden Valley Bank's revenue broken down by segment or geography?

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Ardelyx Inc largest revenue segment is Biopharmaceutical Products, at a revenue of 407,320,000 in the most earnings release.For geography, United States is the primary market for Ardelyx Inc, at a revenue of 377,808,000.

Is Golden Valley Bank profitable?

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no, according to the latest financial statements, Ardelyx Inc has a net loss of $0

Does Golden Valley Bank have any liabilities?

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no, Ardelyx Inc has liability of 0

How many outstanding shares for Golden Valley Bank?

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Ardelyx Inc has a total outstanding shares of 0

Golden Valley Bank (GVYB) Financial

GVYB Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is GVYB?

Golden Valley Bank (GVYB) Financial

GVYB Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is GVYB?

GVYB Income

Follow-Up Questions

What are Golden Valley Bank's key financial statements?

What are the key financial ratios for GVYB?

How is Golden Valley Bank's revenue broken down by segment or geography?

Is Golden Valley Bank profitable?

Does Golden Valley Bank have any liabilities?

How many outstanding shares for Golden Valley Bank?