Stock fact sheet · data as of
Golden Valley Bancshares, Inc. (GVYB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is GVYB undervalued?
At 24.00 (close of 16 Oct 2026), GVYB trades 14% under the GLS average fair value of 27.98. 6 of the 9 models that produced a value land above the price. A discount of this size counts as a positive margin of safety in every GLS screen; whether it is enough depends on the rest of the picture - the health score, the moat and the option premium below.
The 9 models disagree widely: Lynch gives 1.57 while Payback Time gives 52.91. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files GVYB under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for GVYB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 36.77 | +53% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 32.71 | +36% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 23.60 | -2% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 1.57 | -93% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 26.23 | +9% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 44.11 | +84% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 52.91 | +120% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 6.47 | -73% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 27.46 | +14% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -239.41 | -1098% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is weak: GVYB passes 3 of the nine Piotroski tests. Our screens drop the stock at the health rule; a low score is often the reason a stock looks cheap on the valuation models. The GLS Moat score is 6.7 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 9.4%, ROE 10.7%, ROA 0.8% - with debt at 0.14 times equity and negative free cash flow.
The dividend yield is 1.83% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | 9.4% |
|---|---|---|---|
| GLS Moat | 6.7 / 10 | ROE | 10.7% |
| Debt / equity | 0.14 | ROA | 0.8% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
GVYB has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 5k shares a day on a market cap of $53M, with a beta of -0.17 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 18 / 25 | 14% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 10 / 15 | moat 6.7/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 5k shares/day, $53M cap, beta -0.17 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for GVYB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Golden Valley Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| ESBS ES Bancshares, Inc. | 7.60 | 9.26 | +18% | 39No options | $52M |
| CIBH CIB Marine Bancshares, Inc. | 39.00 | 44.58 | +13% | 39No options | $53M |
| ADKT The Adirondack Trust Company | 650.25 | 4,296.67 | +85% | 39No options | $52M |
| TBBC Triad Business Bank | 6.42 | 7.60 | +16% | 39No options | $52M |
| FGFI First Greenwich Financial, Inc. | 20.00 | 17.82 | -12% | 20No options | $54M |
| WDFN Woodlands Financial Services Company | 38.50 | 49.75 | +23% | 39No options | $54M |
| BBBK Baker Boyer Bancorp | 41.14 | 64.41 | +36% | 39No options | $54M |
| FSBH FSBH Corp. | 16.95 | 11.07 | -53% | 16No options | $51M |
| PNBI Pioneer Bankshares, Inc. | 50.26 | 117.55 | +57% | 39No options | $50M |
| PVBK Pacific Valley Bancorp | 9.30 | 9.92 | +6% | 38No options | $50M |
| WSSH West Shore Bank Corp. | 44.67 | 132.73 | +66% | 39No options | $55M |
| KEFI Keweenaw Financial Corporation | 48.00 | 79.33 | +39% | 38No options | $55M |
⚖ Compare GVYB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about GVYB
Is GVYB undervalued right now?
By the GLS models, moderately: at 24.00 the stock trades 14% below the average fair value of 27.98 (data as of 16 Oct 2026).
What is the Wheel Score of GVYB and what does it mean?
GVYB has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for GVYB?
27.98 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Golden Valley Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for GVYB in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does GVYB have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on GVYB, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.