Golden Valley Bancshares Inc
Golden Valley Bancshares, Inc. operates as a bank holding company for Golden Valley Bank that provides various commercial banking products and services to small to middle-market businesses, professionals, and not-for-profit organizations. It offers checking, money market, individual retirement, and savings accounts, as well as certificate of deposits. The company also offers home, real estate, eq… Read more
Golden Valley Bancshares Inc (GVYB) - Net Assets
Latest net assets as of December 2025: $43.08 Million USD
Based on the latest financial reports, Golden Valley Bancshares Inc (GVYB) has net assets worth $43.08 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($591.59 Million) and total liabilities ($548.51 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $43.08 Million |
| % of Total Assets | 7.28% |
| Annual Growth Rate | -9.9% |
| 5-Year Change | 11.43% |
| 10-Year Change | 103.26% |
| Growth Volatility | 239.43 |
Golden Valley Bancshares Inc - Net Assets Trend (2013–2025)
This chart illustrates how Golden Valley Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Golden Valley Bancshares Inc (2013–2025)
The table below shows the annual net assets of Golden Valley Bancshares Inc from 2013 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $43.08 Million | +11.31% |
| 2024-12-31 | $38.70 Million | +11.77% |
| 2023-12-31 | $34.63 Million | +27.51% |
| 2022-12-31 | $27.16 Million | -29.76% |
| 2021-12-31 | $38.66 Million | +9.66% |
| 2020-12-31 | $35.25 Million | +21.96% |
| 2019-12-31 | $28.91 Million | +19.04% |
| 2018-12-31 | $24.28 Million | +7.43% |
| 2017-12-31 | $22.60 Million | +6.65% |
| 2016-12-31 | $21.20 Million | -88.16% |
| 2015-12-31 | $179.05 Million | +846.92% |
| 2014-12-31 | $18.91 Million | -87.43% |
| 2013-12-31 | $150.46 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Golden Valley Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1670.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $32.61 Million | 75.70% |
| Common Stock | $17.64 Million | 40.94% |
| Other Comprehensive Income | $-7.17 Million | -16.63% |
| Total Equity | $43.08 Million | 100.00% |
Golden Valley Bancshares Inc Competitors by Market Cap
The table below lists competitors of Golden Valley Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
FIRMA OPON.DEBICA SA ZY 8
F:FD8
|
$33.44 Million |
|
Test Rite International Co Ltd
TW:2908
|
$33.48 Million |
|
NK Co. Ltd
KO:085310
|
$33.48 Million |
|
Deutsche Rohstoff AG
XETRA:DR0
|
$33.50 Million |
|
Patronus Resources Ltd
AU:PTN
|
$33.41 Million |
|
Qliro AB
ST:QLIRO
|
$33.41 Million |
|
United U Li Corporation Bhd
KLSE:7133
|
$33.39 Million |
|
Microsemi Corporation
F:MS7
|
$33.38 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Golden Valley Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 38,704,207 to 43,082,000, a change of 4,377,793 (11.3%).
- Net income of 6,492,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 3,843,099.
- Other factors decreased equity by 5,957,306.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $6.49 Million | +15.07% |
| Other Comprehensive Income | $3.84 Million | +8.92% |
| Other Changes | $-5.96 Million | -13.83% |
| Total Change | $- | 11.31% |
Book Value vs Market Value Analysis
This analysis compares Golden Valley Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.89x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.14x to 0.89x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2013-12-31 | $7.97 | $17.05 | x |
| 2014-12-31 | $7.61 | $17.05 | x |
| 2015-12-31 | $8.29 | $17.05 | x |
| 2016-12-31 | $9.00 | $17.05 | x |
| 2017-12-31 | $9.31 | $17.05 | x |
| 2018-12-31 | $9.99 | $17.05 | x |
| 2019-12-31 | $12.58 | $17.05 | x |
| 2020-12-31 | $15.47 | $17.05 | x |
| 2021-12-31 | $16.85 | $17.05 | x |
| 2022-12-31 | $11.83 | $17.05 | x |
| 2023-12-31 | $15.29 | $17.05 | x |
| 2024-12-31 | $16.79 | $17.05 | x |
| 2025-12-31 | $19.11 | $17.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Golden Valley Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.07%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.90%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 13.73x
- Recent ROE (15.07%) is above the historical average (10.65%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2013 | 7.69% | 23.45% | 0.04x | 8.60x | $-403.64K |
| 2014 | 8.00% | 23.64% | 0.04x | 8.77x | $-377.32K |
| 2015 | 7.54% | 22.86% | 0.04x | 8.77x | $-503.42K |
| 2016 | 7.19% | 19.93% | 0.04x | 9.90x | $-595.20K |
| 2017 | 8.07% | 21.21% | 0.04x | 9.96x | $-436.97K |
| 2018 | 10.09% | 24.06% | 0.04x | 11.90x | $22.53K |
| 2019 | 13.81% | 26.91% | 0.04x | 12.35x | $1.10 Million |
| 2020 | 11.61% | 24.90% | 0.04x | 11.53x | $567.70K |
| 2021 | 13.34% | 30.65% | 0.04x | 12.25x | $1.29 Million |
| 2022 | 16.87% | 26.90% | 0.04x | 17.62x | $1.86 Million |
| 2023 | 10.83% | 18.38% | 0.04x | 14.11x | $287.73K |
| 2024 | 8.38% | 14.33% | 0.04x | 13.86x | $-625.86K |
| 2025 | 15.07% | 23.90% | 0.05x | 13.73x | $2.18 Million |
Industry Comparison
This section compares Golden Valley Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Golden Valley Bancshares Inc (GVYB) | $43.08 Million | 7.69% | 12.73x | $33.44 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |