GVYB Financials: Golden Valley Bank AI Analysis

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GVYB Financial

Golden Valley Bank

$24.5

1.87%

$0.44

At close: Mar 27, 16:00:00 GMT-4

$24.5

Post-market: Mar 27, 20:00:00 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$24.05

Open

$24.05

Day's Range

$24.05 - $24.5

52 week range

$16.8 - $24.5

Volume

900

Avg.Volume

216

Dividend yield

EPS (TTM)

Market Cap

$54.8M

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.

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Income

Balance sheet

Cash flow

Annual

Quarterly

GVYB Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	01/31/2026	01/31/2025	01/31/2024	01/31/2023	01/31/2022
Revenue	7,206	7,206	6,131	5,497	5,005	4,386
Revenue Growth (YoY)	18%	18%	12%	10%	14%	16%
Cost of Revenue	650	650	578	511	480	418
Gross Profit	6,556	6,556	5,553	4,986	4,525	3,967
Selling, General & Admin	3,066	3,066	2,650	2,443	2,277	2,194
Research & Development	1,643	1,643	1,485	1,373	1,219	1,114
Operating Expenses	4,762	4,762	4,184	3,858	3,536	3,350
Other Non Operating Income (Expenses)	4	--	6	4	12	7
Pretax Income	1,603	1,603	1,384	1,136	946	564
Income Tax Expense	479	479	272	230	123	67
Net Income	1,124	1,124	1,112	906	823	497
Net Income Growth	1%	1%	23%	10%	66%	-59%
Shares Outstanding (Diluted)	214	215	217	216	218	222
Shares Change (YoY)	-1%	-1%	0%	-1%	-2%	0%
EPS (Diluted)	5.24	5.23	5.12	4.19	3.78	2.24
EPS Growth	2%	2%	22%	11%	69%	-59%
Free Cash Flow	2,376	2,376	1,505	1,252	2,025	1,464
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	90.97%	90.97%	90.57%	90.7%	90.4%	90.44%
Operating Margin	24.89%	24.89%	22.32%	20.52%	19.76%	14.06%
Profit Margin	15.59%	15.59%	18.13%	16.48%	16.44%	11.33%
Free Cash Flow Margin	32.97%	32.97%	24.54%	22.77%	40.45%	33.37%
EBITDA	1,847	1,989	1,549	1,267	1,139	765
EBITDA Margin	25.63%	27.6%	25.26%	23.04%	22.75%	17.44%
D&A For EBITDA	53	195	180	139	150	148
EBIT	1,794	1,794	1,369	1,128	989	617
EBIT Margin	24.89%	24.89%	22.32%	20.52%	19.76%	14.06%
Effective Tax Rate	29.88%	29.88%	19.65%	20.24%	13%	11.87%

Follow-Up Questions

What are Golden Valley Bank's key financial statements?

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According to the latest financial statement (Form-10K), Autodesk Inc has a total asset of $12,467, Net profit of $1,124

What are the key financial ratios for GVYB?

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Autodesk Inc's Current ratio is 1.32, has a Net margin is 15.59, sales per share of $33.51.

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

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Autodesk Inc largest revenue segment is Subscription, at a revenue of 6,743,000,000 in the most earnings release.For geography, Americas is the primary market for Autodesk Inc, at a revenue of 3,178,000,000.

Is Golden Valley Bank profitable?

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yes, according to the latest financial statements, Autodesk Inc has a net profit of $1,124

Does Golden Valley Bank have any liabilities?

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yes, Autodesk Inc has liability of 9,422

How many outstanding shares for Golden Valley Bank?

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Autodesk Inc has a total outstanding shares of 212

Golden Valley Bank (GVYB) Financial

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