ScoreWhy is Golden Valley Bancshares, Inc. ?
1
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0%
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 5.95%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- NII(Q) Highest at USD 5.05 MM
- ROCE(HY) Highest at 1.07%
- NET SALES(Q) Highest at USD 6.81 MM
3
With ROA of 0.65%, it has a fair valuation with a 1.28 Price to Book Value
- Over the past year, while the stock has generated a return of 40.80%, its profits have risen by 68.5%
4
Market Beating performance in long term as well as near term
- Along with generating 40.80% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Golden Valley Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.21%
EBIT Growth (5y)
0.00%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.30
EV to EBIT
-3.29
EV to EBITDA
-3.29
EV to Capital Employed
0.62
EV to Sales
-0.82
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-18.95%
ROE (Latest)
12.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at USD 5.05 MM
ROCE(HY)
Highest at 1.07%
NET SALES(Q)
Highest at USD 6.81 MM
PRE-TAX PROFIT(Q)
Highest at USD 1.89 MM
NET PROFIT(Q)
Highest at USD 1.89 MM
OPERATING PROFIT(Q)
Highest at USD 1.89 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.7 %
EPS(Q)
Highest at USD 0.58
-3What is not working for the Company
ROCE(HY)
Lowest at 1.07%
CASH AND EQV(HY)
Lowest at USD 13.4 MM
Here's what is working for Golden Valley Bancshares, Inc.
NII
Highest at USD 5.05 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 6.81 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 1.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 1.89 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 1.89 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.7 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at USD 0.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Golden Valley Bancshares, Inc.
Cash and Eqv
Lowest at USD 13.4 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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