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	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	0/6

Rewards

Trading at 42.1% below our estimate of its fair value

Risk Analysis

Does not have a meaningful market cap ($68M)

My Notes

Capture your thoughts, links and company narrative

River Valley Community Bancorp Competitors

Community Heritage Financial

OTCPK:CMHF

US$70.1m

Bank of the James Financial Group

NasdaqCM:BOTJ

US$69.7m

Skyline Bankshares

OTCPK:SLBK

US$68.9m

Marine Bancorp of Florida

OTCPK:MBOF

US$72.4m

Price History & Performance

Summary of share price highs, lows and changes for River Valley Community Bancorp
Historical stock prices
Current Share Price	US$22.00
52 Week High	US$23.00
52 Week Low	US$18.55
Beta	0.29
1 Month Change	11.11%
3 Month Change	1.15%
1 Year Change	0.045%
3 Year Change	1.10%
5 Year Change	37.50%
Change since IPO	54.93%

Recent updates

Shareholder Returns

	RVCB	US Banks	US Market
7D	-4.3%	-1.1%	-0.4%
1Y	0.04%	29.5%	24.8%

Return vs Industry: RVCB underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: RVCB underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is RVCB's price volatile compared to industry and market?
RVCB volatility
RVCB Average Weekly Movement	6.4%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
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$68.42m
Earnings (TTM)	US$4.39m
Revenue (TTM)	US$18.39m

15.6x

P/E Ratio

1.3x

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)	1.41
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

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 06:01
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

River Valley Community Bancorp is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

River Valley Community Bancorp OTCPK:RVCB Stock Report