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River Valley Community Bancorp
(OTC:RVCB)
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Rating:68Neutral
Price Target:
$26.00
▲(8.33% Upside)
Action:Downgraded
Date:08/04/26
The score is driven primarily by strong financial performance—especially the 2025 growth and margin inflection—tempered by increased balance-sheet risk from a sharp leverage step-up. Technicals are neutral with price near moving averages and mixed momentum signals, while valuation is moderately supportive with a mid-range P/E and a modest dividend yield.
Positive Factors
Revenue Growth
A very large revenue jump (~80% in 2025) signals durable top-line momentum from expanding business activity or new revenue sources. Sustained revenue growth enhances scale, supports investment capacity and resilience over a 2–6 month horizon and improves long-term strategic optionality.
Negative Factors
Sudden Leverage Increase
A sharp step-up in leverage materially increases financial risk and reduces balance-sheet flexibility. Higher debt load can raise interest costs, constrain strategic moves, and make the company more sensitive to rates or shocks, weakening resilience over the next several months.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A very large revenue jump (~80% in 2025) signals durable top-line momentum from expanding business activity or new revenue sources. Sustained revenue growth enhances scale, supports investment capacity and resilience over a 2–6 month horizon and improves long-term strategic optionality.
Read all positive factors
River Valley Community Bancorp (RVCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$76.01M
Dividend Yield1.17%
Average Volume (3M)106.00
Price to Earnings (P/E)16.3
Beta (1Y)0.27
Revenue Growth21.86%
EPS Growth-3.19%
CountryUS
Employees64
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.39
Shares Outstanding3,170,306
10 Day Avg. Volume95
30 Day Avg. Volume106
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
River Valley Community Bancorp Business Overview & Revenue Model
Company Description
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, Californ...
How the Company Makes Money
null...
River Valley Community Bancorp Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
62
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.22M | 30.61M | 27.35M | 25.32M | 20.32M | 17.38M |
| Gross Profit | 16.31M | 27.50M | 18.61M | 19.95M | 19.28M | 16.76M |
| EBITDA | 5.84M | 6.46M | 6.46M | 8.30M | 10.26M | 8.49M |
| Net Income | 5.45M | 4.41M | 4.35M | 5.91M | 6.86M | 5.35M |
Balance Sheet | ||||||
| Total Assets | 764.42M | 760.34M | 602.57M | 581.81M | 630.28M | 600.85M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 84.40M | 37.95M | 40.41M | 92.36M | 102.76M |
| Total Debt | 30.00M | 32.04M | 1.20M | 1.34M | 111.54K | 108.01K |
| Total Liabilities | 703.62M | 700.35M | 551.06M | 535.54M | 593.66M | 551.42M |
| Stockholders Equity | 60.80M | 59.99M | 51.52M | 46.27M | 36.62M | 49.43M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.39M | 5.88M | 4.90M | 8.12M | 5.12M |
| Operating Cash Flow | 0.00 | 4.30M | 5.94M | 4.99M | 8.17M | 5.14M |
| Investing Cash Flow | 0.00 | -116.28M | -22.71M | 3.60M | -62.51M | -60.21M |
| Financing Cash Flow | 0.00 | 148.43M | 15.07M | -59.31M | 43.69M | 103.12M |
River Valley Community Bancorp Technical Analysis
Negative
24.00
Price Trends
24.09
Negative
24.13
Negative
24.25
Negative
Market Momentum
-0.03
Positive
46.98
Neutral
38.13
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 24 is below the 20-day moving average (MA) of 24.18, below the 50-day MA of 24.09, and below the 200-day MA of 24.25, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 46.98 is Neutral, neither overbought nor oversold. The STOCH value of 38.13 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $125.40M | 10.91 | 14.30% | 1.45% | 6.20% | 60.60% | |
68 Neutral | $76.01M | 16.33 | 10.49% | 1.17% | 21.86% | -3.19% | |
68 Neutral | $90.72M | 12.21 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $91.08M | 11.18 | 11.53% | 5.92% | 6.21% | 8.32% | |
51 Neutral | $112.41M | -4.47 | -7.74% | 3.21% | 10.60% | -935.88% | |
46 Neutral | $104.63M | 68.45 | 0.96% | 2.84% | -6.12% | ― |
* Financial Sector Average
RVCB
River Valley Community Bancorp
23.98
-0.98
-3.94%
BOTJ
Bank Of The Jame Financial
27.60
12.55
83.35%
BYFC
Broadway Financial
12.12
4.51
59.20%
UBCP
United Bancorp
15.88
2.16
15.73%
FUSB
First US Bancshares
16.48
4.69
39.74%
FNWB
First Northwest Bancorp
11.00
3.94
55.81%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.