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River Valley Community Bancorp
(OTC:RVCB)
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Rating:74Outperform
Price Target:
$27.00
▲(11.34% Upside)
Action:Upgraded
Date:04/21/26
The score is driven primarily by strong financial performance (major 2025 revenue and margin improvement with positive cash generation) and very attractive valuation (low P/E and high yield). These positives are partially offset by weaker technical trends (below key moving averages with negative MACD) and higher balance-sheet risk due to the sharp 2025 leverage increase.
Positive Factors
Revenue acceleration & margin expansion
A 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.
Negative Factors
Sharp increase in leverage
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue acceleration & margin expansion
A 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.
Read all positive factors
River Valley Community Bancorp (RVCB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$74.44M
Dividend Yield0.29%
Average Volume (3M)163.00
Price to Earnings (P/E)16.9
Beta (1Y)0.29
Revenue Growth15.31%
EPS Growth-4.66%
CountryUS
Employees64
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
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
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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
24.25
Price Trends
24.16
Negative
24.42
Negative
24.39
Negative
Market Momentum
-0.07
Positive
45.89
Neutral
4.07
Positive
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 24.25 is above the 20-day moving average (MA) of 23.93, above the 50-day MA of 24.16, and below the 200-day MA of 24.39, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 45.89 is Neutral, neither overbought nor oversold. The STOCH value of 4.07 is Positive, 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $122.03M | 11.10 | 14.13% | 2.18% | 5.49% | 66.01% | |
74 Outperform | $74.44M | 16.94 | 10.33% | 0.29% | 15.31% | -4.66% | |
72 Outperform | $92.14M | 15.52 | 5.92% | 2.08% | 3.98% | -20.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $86.48M | 10.92 | 11.80% | 6.51% | 7.19% | 9.14% | |
51 Neutral | $90.46M | -3.57 | -7.66% | ― | 2.16% | -1083.24% | |
48 Neutral | $115.04M | 21.99 | 3.14% | 2.88% | -3.63% | ― |
* Financial Sector Average
RVCB
River Valley Community Bancorp
23.72
-3.64
-13.31%
BOTJ
Bank Of The Jame Financial
26.86
13.03
94.26%
BYFC
Broadway Financial
9.75
1.60
19.63%
UBCP
United Bancorp
14.96
1.66
12.45%
FUSB
First US Bancshares
16.55
3.60
27.81%
FNWB
First Northwest Bancorp
12.11
4.14
51.94%
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.