River Valley Community Bancorp (RVCB) AI Stock Analysis

• Market Cap: $74.87M
• Dividend Yield: N/A
• Average Volume (3M): 153.00
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.37
• Revenue Growth: 8.96%
• EPS Growth: 1.41%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.33
• Shares Outstanding: 2,995,000
• 10 Day Avg. Volume: 20
• 30 Day Avg. Volume: 153
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.33
• Enterprise Value/Revenue: 3.96
• Enterprise Value/Gross Profit: 3.96
• Enterprise Value/Ebitda: 10.37
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

River Valley Community Bancorp scores well on financial performance due to its strong profitability and low leverage. However, recent declines in revenue and operating cash flow are areas of concern. Technical analysis shows a neutral trend with no clear momentum. The valuation is reasonable, though the lack of dividends may deter some investors.

River Valley Community Bancorp Business Overview & Revenue Model

Company Description

River Valley Community Bancorp, through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. The company accepts personal and business checking and savings accounts; certificates of deposits; and IRA accounts. Its loan products include consumer term, consumer construction, residential real estate mortgage, professional practice, agricultural real estate and land development, construction, and commercial real estate loans; home equity lines of credit; commercial lines of credit; and agricultural operating loans and lines. The company also offers debit, credit, travel money, and gift cards; and online banking and bill payment, ACH origination, electronic statement, remote deposit capture, merchant card processing, payroll, cashier's cheque, automatic teller machine, drive-up teller window, safe deposit box, notary, night depository, overdraft protection, direct deposit, wire transfer, and mobile banking services. It primarily serves small to middle-market businesses and professionals. The company has branches in Yuba City, Grass Valley, Auburn, and Marysville, California. River Valley Community Bancorp was founded in 2006 and is headquartered in Yuba City, California.

How the Company Makes Money

River Valley Community Bancorp generates revenue through a variety of financial services. The primary revenue streams include interest income from loans provided to individuals and businesses, fees from deposit accounts, and charges for services like wire transfers and overdraft protection. Additionally, the company earns income from investment securities and partnerships with other financial institutions that enable it to offer a broader range of financial products. RVCB's focus on community engagement and customer relationships also helps to drive growth and profitability in its local markets.

River Valley Community Bancorp Financial Statement Overview

Summary

River Valley Community Bancorp demonstrates strong financial health with solid profitability, low leverage, and reliable cash flow generation. While the company maintains a commendable financial position, attention should be given to reversing the recent revenue and operating cash flow declines to sustain future growth.

Income Statement

River Valley Community Bancorp shows a stable income statement with a positive revenue growth trajectory over the years. The company maintains a healthy Gross Profit Margin, indicating efficient cost management. However, there is a slight decline in Total Revenue from 2022 to 2023, which slightly impacts the overall assessment. Net Profit Margin and EBIT Margin remain strong, which supports profitability. The company should focus on reversing the recent revenue decline to maintain its strong income statement standing.

Balance Sheet

The balance sheet of River Valley Community Bancorp is robust, with a strong equity position and low leverage. The Debt-to-Equity Ratio is extremely low, indicating prudent financial management and minimal reliance on debt. The Equity Ratio is healthy, showing a solid foundation of stockholders' equity relative to total assets. The stability in stockholders' equity and total assets over the years reflects financial stability, although a slight decrease in total assets from 2022 to 2023 should be monitored.

Cash Flow

The cash flow statement reflects sound cash management with a consistent generation of Free Cash Flow. However, there is a notable decline in Operating Cash Flow from 2022 to 2023, which should be addressed to maintain cash flow health. The Free Cash Flow to Net Income Ratio is solid, indicating efficient conversion of profits into cash. It's important to focus on improving operating cash flow to enhance liquidity and operational flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	25.10M	18.61M	19.95M	19.28M	16.76M	19.20M
Gross Profit	25.10M	18.61M	19.95M	19.28M	16.76M	0.00
EBITDA	9.58M	0.00	0.00	0.00	0.00	6.62M
Net Income	8.67M	4.35M	5.91M	6.86M	5.35M	4.13M
Balance Sheet
Total Assets	588.50M	602.57M	581.81M	630.28M	600.85M	496.49M
Cash, Cash Equivalents and Short-Term Investments	0.00	37.95M	40.41M	92.36M	102.76M	0.00
Total Debt	0.00	0.00	0.00	0.00	0.00	84.20K
Total Liabilities	543.22M	551.06M	535.54M	593.66M	551.42M	449.70M
Stockholders Equity	40.04M	51.52M	46.27M	36.62M	49.43M	46.78M
Cash Flow
Free Cash Flow	0.00	5.88M	4.90M	8.12M	5.12M	1.99M
Operating Cash Flow	0.00	5.94M	4.99M	8.17M	5.14M	4.45M
Investing Cash Flow	0.00	-22.71M	3.60M	-62.51M	-60.21M	-42.90M
Financing Cash Flow	0.00	15.07M	-59.31M	43.69M	103.12M	43.07M

River Valley Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 25.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVCB, the sentiment is Negative. The current price of 25 is below the 20-day moving average (MA) of 25.19, below the 50-day MA of 25.93, and below the 200-day MA of 25.14, indicating a bearish trend. The MACD of -0.32 indicates Negative momentum. The RSI at 42.18 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RVCB.

River Valley Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOTJ	80 Outperform	$71.51M	10.00	5.03%	2.54%	9.06%	-16.04%
AUBN	70 Neutral	$96.06M	14.43	―	3.93%	27.65%	996.66%
IROQ	69 Neutral	$86.97M	19.00	―	1.54%	6.61%	139.05%
FUSB	67 Neutral	$69.50M	12.45	5.75%	2.32%	2.84%	-31.20%
RVCB	66 Neutral	$74.87M	17.48	12.05%	―	8.96%	1.41%
UBCP	61 Neutral	$78.53M	10.70	12.50%	6.69%	5.73%	-13.97%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%