River Valley Community Bancorp (RVCB) AI Stock Analysis

River Valley Community Bancorp

(Other OTC:RVCB)

Select Model

Rating:68Neutral

Price Target:$26.00▲(5.28% 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 GrowthA 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 IncreaseA 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.

River Valley Community Bancorp (RVCB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $78.37M
Dividend Yield: 1.16%
Average Volume (3M): 1,353
Price to Earnings (P/E): 15.9
Beta (1Y): 0.28
Revenue Growth: 28.71%
EPS Growth: 3.33%
Country: US
Employees: 64
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, California,...

How the Company Makes Money

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River Valley Community Bancorp Financial Statement Overview

Summary

Income statement is strong (Score 86) with a sharp 2025 revenue acceleration (~80% YoY) and materially higher net margin (~41%). Cash flow is solid (Score 68) with consistently positive operating cash flow and free cash flow, though 2025 FCF-to-net-income slipped (~0.79) and FCF growth has been volatile. Balance sheet is the key risk (Score 62) due to a sudden leverage increase in 2025 (debt-to-equity ~0.51 vs. ~0.02 in 2024), reducing flexibility versus its own history.

Income Statement

86Very Positive

Balance Sheet

62Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	37.18M	30.61M	27.35M	25.32M	20.32M	17.38M
Gross Profit	23.73M	27.50M	18.61M	19.95M	19.28M	16.76M
EBITDA	6.69M	6.46M	6.46M	8.30M	10.26M	8.49M
Net Income	6.69M	4.41M	4.35M	5.91M	6.86M	5.35M
Balance Sheet
Total Assets	805.26M	760.34M	602.57M	581.81M	630.28M	600.85M
Cash, Cash Equivalents and Short-Term Investments	0	84.40M	37.95M	40.41M	92.36M	102.76M
Total Debt	5.00M	32.04M	1.20M	1.34M	111.54K	108.01K
Total Liabilities	748.26M	700.35M	551.06M	535.54M	593.66M	551.42M
Stockholders Equity	57.00M	59.99M	51.52M	46.27M	36.62M	49.43M
Cash Flow
Free Cash Flow	0	3.39M	5.88M	4.90M	8.12M	5.12M
Operating Cash Flow	0	4.30M	5.94M	4.99M	8.17M	5.14M
Investing Cash Flow	0	-116.28M	-22.71M	3.60M	-62.51M	-60.21M
Financing Cash Flow	0	148.43M	15.07M	-59.31M	43.69M	103.12M

River Valley Community Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price24.70

Price Trends

50DMA24.24Positive

100DMA24.08Positive

200DMA24.22Positive

Market Momentum

MACD0.11Positive

RSI54.23Neutral

STOCH56.92Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVCB, the sentiment is Positive. The current price of 24.70 is above the 20-day moving average (MA) of 24.63, above the 50-day MA of 24.24, and above the 200-day MA of 24.22, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 54.23 is Neutral, neither overbought nor oversold. The STOCH value of 56.92 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RVCB.

River Valley Community Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

RVCB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	73Outperform	$90.83M	11.96	7.58%	1.70%	3.80%	43.33%
BOTJ	69Neutral	$107.95M	8.97	14.94%	1.68%	7.06%	52.33%
UBCP	69Neutral	$81.21M	9.97	11.53%	6.71%	6.21%	8.32%
RVCB	68Neutral	$78.29M	15.91	11.20%	1.16%	28.71%	3.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BYFC	51Neutral	$106.33M	-4.23	-7.74%	―	10.60%	-935.88%
FNWB	44Neutral	$97.30M	-1100.00	-0.03%	―	-6.23%	99.73%

* Financial Sector Average

Performance Comparison

RVCB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
RVCB	River Valley Community Bancorp	24.70	0.24	0.98%
BOTJ	Bank Of The James Financial Group, Inc.	23.76	7.07	42.39%
BYFC	Broadway Financial	11.46	5.06	79.06%
UBCP	United Bancorp	14.16	1.86	15.09%
FUSB	First Us Bancshares	16.50	3.49	26.82%
FNWB	First Northwest Bancorp	10.23	1.23	13.67%

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.

Date of analysis: Aug 04, 2026

River Valley Community Bancorp AI Stock Analysis