OTCPK:RVCB

Stock Analysis Report

River Valley Community Bancorp

Executive Summary

River Valley Community Bancorp, through its subsidiary, River Valley Community Bank, provides various banking products and services in the United States.

Snowflake

Fundamentals

Adequate balance sheet with acceptable track record.

Share Price & News

How has River Valley Community Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

RVCB

1.4%

US Banks

1.0%

US Market


1 Year Return

1.3%

RVCB

0.2%

US Banks

6.7%

US Market

Return vs Industry: RVCB exceeded the US Banks industry which returned 0.2% over the past year.

Return vs Market: RVCB underperformed the US Market which returned 6.7% over the past year.


Share holder returns

RVCBIndustryMarket
7 Day0%1.4%1.0%
30 Day1.0%-2.6%-1.8%
90 Day-1.3%0.8%-1.8%
1 Year1.3%1.3%3.1%0.2%9.1%6.7%
3 Yearn/a52.0%41.5%46.1%36.6%
5 Yearn/a69.7%51.2%66.9%48.6%

Price Volatility Vs. Market

How volatile is River Valley Community Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is River Valley Community Bancorp undervalued based on future cash flows and its price relative to the stock market?

12.9x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Undervalued: RVCB ($19.75) is trading above our estimate of fair value ($9.57)

Significantly Undervalued: RVCB is trading above our estimate of fair value.


Price Based on Earnings

PE vs Industry: RVCB is poor value based on its PE Ratio (12.9x) compared to the Banks industry average (12.5x).

PE vs Market: RVCB is good value based on its PE Ratio (12.9x) compared to the US market (17.5x).


Price Based on Expected Growth

Low PEG Ratio: Insufficient data to calculate RVCB's PEG Ratio to determine if it is good value.


Price Based on Value of Assets

PB vs Industry: RVCB is overvalued based on its PB Ratio (1.6x) compared to the US Banks industry average (1.2x).


Next Steps

Future Growth

How is River Valley Community Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

4.2%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Earnings vs Savings Rate: RVCB's forecast earnings growth (4.2% per year) is above the savings rate (2.7%).

Earnings vs Market: RVCB's earnings (4.2% per year) are forecast to grow slower than the US market (14.5% per year).

High Growth Earnings: RVCB's earnings are forecast to grow, but not significantly.

Revenue vs Market: Insufficient data to determine if RVCB's revenue is forecast to grow faster than the US market.

High Growth Revenue: Insufficient data to determine if RVCB's revenue is forecast to grow faster than 20% per year.


Earnings per Share Growth Estimates


Future Return on Equity

High Future ROE: Insufficient data to determine if RVCB's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has River Valley Community Bancorp performed over the past 5 years?

23.3%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Earnings Trend: RVCB's earnings have grown significantly by 23.3% per year over the past 5 years.

Accelerating Growth: RVCB's earnings growth over the past year (42.2%) exceeds its 5-year average (23.3% per year).

Earnings vs Industry: RVCB earnings growth over the past year (42.2%) exceeded the Banks industry 31.8%.


Return on Equity

High ROE: RVCB's Return on Equity (12.2%) is considered low.


Return on Assets

ROA vs Industry: RVCB's Return on Assets is below or equal to the Banks industry average last year.


Return on Capital Employed

ROCE Improving: Insufficient data to calculate RVCB's Return on Capital Employed to determine if it has improved over the past 3 years.


Next Steps

Financial Health

How is River Valley Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Inventory Level: RVCB has a low level of unsold assets or inventory.

Debt Coverage by Assets: RVCB's debt is not covered by short term assets (assets are 0.6x debt).


Financial Institutions Analysis

Asset Level: RVCB's level of assets compared to its equity is moderate.

Allowance for Bad Loans: Insufficient data to determine if RVCB has a sufficient allowance for bad loans.

Low Risk Liabilities: RVCB's liabilities are made up of primarily low risk sources of funding.

Loan Level: RVCB has an acceptable proportion of non-loan assets held.

Low Risk Deposits: RVCB's loans are broadly funded by customer deposits.

Level of Bad Loans: Insufficient data to determine if RVCB has an appropriate level of bad loans.


Next Steps

Dividend

What is River Valley Community Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

companyn/amarketbottom25%1.5%markettop25%3.8%industryaverage2.5%forecastin3Yearsn/a

Current dividend yield vs market & industry


Dividend Yield and Payments Analysis

Notable Dividend: Unable to evaluate RVCB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate RVCB's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.

Stable Dividend: Insufficient data to determine if RVCB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RVCB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RVCB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

What is the CEO of River Valley Community Bancorp's salary, the management and board of directors tenure and is there insider trading?

2.3yrs

Average management tenure


CEO

John Jelavich (54yo)

2.8yrs

Tenure

0

Mr. John M. Jelavich has been Chief Executive Officer and President of River Valley Community Bancorp (the “Company”) since June 29, 2017. Mr. Jelavic has been President of River Valley Community Bank (the ...


Management Age and Tenure

2.3yrs

Average Tenure

Experienced Management: RVCB's management team is considered experienced (2.3 years average tenure).


Board Age and Tenure

2.8yrs

Average Tenure

57.5yo

Average Age

Experienced Board: RVCB's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


Insider Trading

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Management Team

  • Doug Marr (65yo)

    Executive VP & Chief Credit Officer

    • Tenure: 2.3yrs
  • John Jelavich (54yo)

    President

    • Tenure: 2.8yrs
  • Greg Heckman

    Senior VP & Senior Lending Officer

    • Tenure: 1.8yrs
  • Mike Vasquez

    Senior VP & Special Projects Officer

    • Tenure: 1.3yrs
  • Michael Finn

    Executive VP & CFO

    • Tenure: 2.8yrs

Board Members

  • John Jelavich (78yo)

    Director

    • Tenure: 2.8yrs
  • Gary Thiara (51yo)

    Director

    • Tenure: 2.8yrs
  • John Jelavich (54yo)

    President

    • Tenure: 2.8yrs
  • John Morrison (62yo)

    Director

    • Tenure: 2.8yrs
  • Joe Griggs (61yo)

    Director

    • Tenure: 2.8yrs
  • Kurt Hilbers (61yo)

    Director

    • Tenure: 2.8yrs
  • Harry Cheim (54yo)

    Director

    • Tenure: 2.8yrs
  • Stephen Danna (52yo)

    Chairman

    • Tenure: 2.3yrs
  • James Eager (73yo)

    Director

    • Tenure: 2.8yrs
  • Nicole Van Vleck (51yo)

    Director

    • Tenure: 2.8yrs

Company Information

River Valley Community Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: River Valley Community Bancorp
  • Ticker: RVCB
  • Exchange: OTCPK
  • Founded: 2017
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$47.321m
  • Shares outstanding: 2.40m
  • Website: https://www.myrvcb.com

Location

  • River Valley Community Bancorp
  • 1629 Colusa Avenue
  • Yuba City
  • California
  • 95993
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RVCBOTCPK (Pink Sheets LLC)YesCommon StockUSUSDJul 2017

Biography

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  ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/14 03:14
End of Day Share Price2019/10/04 00:00
Earnings2018/12/31
Annual Earnings2018/12/31


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.

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