River Valley Community Bancorp (OTCPK:RVCB) - Stock Price, News & Analysis

RVCB Stock Overview

Through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. More details

RVCB fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 47.9% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($61M)

River Valley Community Bancorp Competitors

Consumers Bancorp

OTCPK:CBKM

US$59.1m

FFBW

OTCPK:FFBW

US$62.5m

Community Heritage Financial

OTCPK:CMHF

US$64.2m

1ST SUMMIT BANCORP of Johnstown

OTCPK:FSMK

US$60.1m

Price History & Performance

Summary of all time highs, changes and price drops for River Valley Community Bancorp
Historical stock prices
Current Share Price	US$19.80
52 Week High	US$23.50
52 Week Low	US$18.55
Beta	0.32
11 Month Change	-8.63%
3 Month Change	-12.04%
1 Year Change	-15.57%
33 Year Change	-17.50%
5 Year Change	27.91%
Change since IPO	39.44%

Recent updates

Shareholder Returns

	RVCB	US Banks	US Market
7D	1.8%	1.8%	2.2%
1Y	-15.6%	57.8%	31.7%

Return vs Industry: RVCB underperformed the US Banks industry which returned 55.5% over the past year.

Return vs Market: RVCB underperformed the US Market which returned 31.1% over the past year.

Price Volatility

Is RVCB's price volatile compared to industry and market?
RVCB volatility
RVCB Average Weekly Movement	5.9%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	15.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: RVCB has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: RVCB's weekly volatility (6%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2006	n/a	John Jelavich	www.rivervalleycommunitybank.com

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 accounts; savings accounts; certificates of deposit; and IRA accounts. Its loan products include consumer term, agricultural real estate and land development, and construction loans, as well as SBA 504; home equity lines of credit; commercial lines of credit; and agricultural operating loans and lines.

River Valley Community Bancorp Fundamentals Summary

How do River Valley Community Bancorp's earnings and revenue compare to its market cap?
RVCB fundamental statistics
Market cap	US$61.13m
Earnings (TTM)	US$4.39m
Revenue (TTM)	US$18.39m

14.1x

P/E Ratio

1.2x

P/B Ratio

Is RVCB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RVCB income statement (TTM)
Revenue	US$18.39m
Cost of Revenue	US$0
Gross Profit	US$18.39m
Other Expenses	US$14.01m
Earnings	US$4.39m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.40
Gross Margin	100.00%
Net Profit Margin	23.84%
Debt/Equity Ratio	0%

How did RVCB perform over the long term?

See historical performance and comparison

River Valley Community Bancorp OTCPK:RVCB Stock Report