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River Valley Community Bancorp (RVCB) Price & Analysis

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RVCB Stock Chart & Stats

$24.25

$0.00(0.00%)

At close: Jan 07 4:00 PM EST

$24.25

$0.00(0.00%)

Day’s Range― - ―

52-Week Range$23.31 - $27.60

Previous CloseN/A

Volume100.00

Average Volume (3M)163.00

Market Cap

$74.57M

Enterprise Value$95.84M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$30.00M

Price to Earnings (P/E)16.9

Beta0.29

Next Earnings

Jul 21, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield0.29%

Share Statistics

EPS (TTM)1.40

Shares Outstanding3,138,184

10 Day Avg. Volume240

30 Day Avg. Volume163

Financial Highlights & Ratios

PEG Ratio24.08

Price to Book (P/B)1.21

Price to Sales (P/S)2.37

P/FCF Ratio21.45

Enterprise Value/Market Cap1.29

Enterprise Value/Revenue3.17

Enterprise Value/Gross Profit5.88

Enterprise Value/Ebitda16.41

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Revenue Acceleration & Margin ExpansionA sustained step-up in top-line growth culminating in ~80% revenue growth and a ~41% net margin in 2025 indicates stronger product mix or scale economics. Such structural improvement supports durable cash generation and higher returns on capital if core revenue is sustainable.

Consistent Cash GenerationPositive operating and free cash flow across all reported years demonstrates the company’s ability to fund operations, dividends or reinvestment internally. Regular FCF, even if variable, underpins long-term financial flexibility and resilience versus firms reliant on external financing.

Historically Conservative Leverage And Improved ROEA multi-year history of very low leverage provided balance-sheet strength and optionality; combined with ROE improving to ~21% in 2025, this reflects rising capital efficiency. Historical conservatism is a durable governance strength that cushions credit and growth execution risks.

Bears Say

Sharp Increase In LeverageA sudden jump in debt-to-equity materially alters the company’s capital structure versus its low-leverage history, increasing interest, refinancing and covenant risk. Reduced balance-sheet flexibility can constrain strategic choices and raise downside vulnerability during economic stress.

Cash-flow Volatility And Weaker FCF ConversionVolatile free-cash-flow growth and a drop in FCF conversion to ~0.79 indicate timing or quality issues in earnings. Reduced predictability of cash conversion undermines long-term planning for capex, dividends or debt reduction and raises execution risk for growth financed from internal cash.

Comparability And Reporting IrregularitiesZero EBITDA in some periods and noted comparability flags complicate trend analysis and benchmarking. Persistent reporting irregularities reduce confidence in normalized earnings, making reliable forecasting, credit assessment and valuation of durable earnings power more difficult.

RVCB FAQ

What was River Valley Community Bancorp’s price range in the past 12 months?

River Valley Community Bancorp lowest stock price was $23.31 and its highest was $27.60 in the past 12 months.

What is River Valley Community Bancorp’s market cap?

River Valley Community Bancorp’s market cap is $74.57M.

When is River Valley Community Bancorp’s upcoming earnings report date?

River Valley Community Bancorp’s upcoming earnings report date is Jul 21, 2026 which is in 6 days.

How were River Valley Community Bancorp’s earnings last quarter?

River Valley Community Bancorp released its earnings results on Apr 21, 2026. The company reported $0.34 earnings per share for the quarter, beating the consensus estimate of N/A by $0.34.

Is River Valley Community Bancorp overvalued?

According to Wall Street analysts River Valley Community Bancorp’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does River Valley Community Bancorp pay dividends?

River Valley Community Bancorp pays a Notavailable dividend of $0.07 which represents an annual dividend yield of 0.29%. See more information on River Valley Community Bancorp dividends here

What is River Valley Community Bancorp’s EPS estimate?

River Valley Community Bancorp’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does River Valley Community Bancorp have?

River Valley Community Bancorp has 3,138,184 shares outstanding.

What happened to River Valley Community Bancorp’s price movement after its last earnings report?

River Valley Community Bancorp reported an EPS of $0.34 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.987%.

Which hedge fund is a major shareholder of River Valley Community Bancorp?

Currently, no hedge funds are holding shares in RVCB

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

River Valley Community Bancorp

River Valley Community Bancorp, operating through its subsidiary, River Valley Community Bank, delivers a comprehensive array of financial products and services across the United States. Established in 2006 and headquartered in Yuba City, California, the institution primarily serves small and mid-sized businesses, alongside individual professionals. Its deposit offerings encompass personal and business checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The bank provides a diverse portfolio of lending solutions, including consumer term loans, consumer construction loans, residential real estate mortgages, home equity lines of credit, and specialized financing for professional practices. Commercial lending extends to agricultural real estate, land development, construction projects, and general commercial real estate, complemented by commercial lines of credit and agricultural operating loans. Additionally, River Valley Community Bank issues various cards such as debit, credit, travel money, and gift cards. Its digital services are robust, featuring online banking, bill payment, ACH origination, electronic statements, remote deposit capture, and mobile banking. For businesses, it offers merchant card processing and payroll services. Further conveniences include cashier's checks, ATM access, drive-up teller windows, safe deposit boxes, notary services, night depositories, overdraft protection, direct deposit, and wire transfers. The bank maintains physical branches in Yuba City, Grass Valley, Auburn, and Marysville, all located within California.