River Valley Community Bancorp (RVCB) AI Stock Analysis

9 Followers

River Valley Community Bancorp

(Other OTC:RVCB)

Select Model

Rating:73Outperform

Price Target:$28.00▲(12.79% Upside)

Action:upgraded

Date:11/05/26

RVCB's overall score is driven primarily by exceptional top-line revenue growth and strong bullish technical momentum. The company boasts an impressive 21.1% ROE and trades consistently above key moving averages. However, the score is tempered by underlying risks in earnings quality, as robust reported net income contrasts sharply with declining free cash flow. A modest valuation and a recent spike in debt levels warrant measured optimism.

Positive Factors

Revenue and Margin ExpansionThe sharp 2025 revenue acceleration, combined with substantially higher net margins, indicates stronger earnings capacity and potentially improved operating leverage. If the company retains a meaningful portion of this performance, it can support reinvestment, capital generation, and a stronger competitive position over the next several quarters.

Negative Factors

Abrupt Leverage IncreaseThe abrupt increase in borrowing materially changes the company’s historical financial profile and reduces balance-sheet flexibility. Greater leverage can constrain future capital allocation, increase the importance of sustained earnings and cash generation, and leave less room to absorb weaker operating performance over the next several quarters.

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

Market Cap: $78.44M
Dividend Yield: 1.15%
Average Volume (3M): 1,645
Price to Earnings (P/E): 15.9
Beta (1Y): 0.32
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

null

River Valley Community Bancorp Financial Statement Overview

Summary

RVCB demonstrates strong headline profitability with a net income surge and exceptional 21.1% ROE. However, a significant gap between net income and a declining operating cash flow indicates low earnings quality, coupled with increased leverage risks from a recent jump in debt.

Income Statement

88Very Positive

Balance Sheet

76Positive

Cash Flow

55Neutral

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 Price24.82

Price Trends

50DMA24.39Positive

100DMA24.20Positive

200DMA24.25Positive

Market Momentum

MACD0.11Positive

RSI52.83Neutral

STOCH76.67Neutral

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 24.82 is above the 20-day moving average (MA) of 24.71, above the 50-day MA of 24.39, and above the 200-day MA of 24.25, indicating a bullish trend. The MACD of 0.11 indicates Positive momentum. The RSI at 52.83 is Neutral, neither overbought nor oversold. The STOCH value of 76.67 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
RVCB	73Outperform	$79.26M	15.92	11.20%	1.15%	28.71%	3.33%
BOTJ	72Outperform	$112.54M	9.39	14.94%	1.61%	7.06%	52.33%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FUSB	65Neutral	$85.33M	12.21	7.58%	1.66%	3.74%	43.52%
UBCP	59Neutral	$83.11M	10.87	11.35%	6.52%	6.48%	-0.99%
BYFC	53Neutral	$108.65M	60.77	-7.74%	―	10.60%	-935.88%
FNWB	42Neutral	$93.56M	-1051.61	-0.03%	―	-6.23%	99.32%

* Financial Sector Average

Performance Comparison

RVCB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
RVCB	River Valley Community Bancorp	24.82	0.57	2.34%
BOTJ	Bank Of The James Financial Group, Inc.	24.88	8.49	51.78%
BYFC	Broadway Financial	11.62	5.60	93.02%
UBCP	United Bancorp	14.56	2.50	20.74%
FUSB	First Us Bancshares	16.85	3.69	28.04%
FNWB	First Northwest Bancorp	9.78	0.51	5.50%

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: Nov 04, 2026

River Valley Community Bancorp AI Stock Analysis