Q3 Net Income Jumps 45% as Margin Widens to 3.84%
PVBK is trading near its 52-week low of $8.92 (4.3% above the low) on light trading volume (0.2× avg).
Summary
Pacific Valley Bancorp earned $1.4M in Q3 2026, or $0.24 per share, up 45% from a year ago, as net interest income came in at USD 6.2 million. Net interest margin expanded to 3.84% from 3.53%, the clearest driver of the improvement — the bank is earning more on assets relative to funding costs even as deposit mix shifts toward higher-cost money market accounts and CDs. Balance sheet growth is running hot for a bank this size: loans of $589M rose 13.5% year over year and deposits of $575M grew 11.6%, funding the loan book without stretching liquidity, with non-owner occupied CRE and multifamily loans increasing. Credit looks clean, with nonperforming loans at just 0.04% and the allowance at 1.38% of loans. The stock trades near its 52-week low, so a profitable quarter with margin expansion is a meaningful data point for a thinly covered OTC name.
At the time of this announcement, PVBK was trading at $9.30 on OTC in the Finance sector, with a market capitalization of approximately $50.6M. The 52-week trading range was $8.92 to $10.98. This news item was assessed with positive market sentiment and an importance score of 7 out of 10. Source: Wiseek News.