River Valley Community Bancorp Past Earnings Performance
Past criteria checks 2/6
River Valley Community Bancorp has been growing earnings at an average annual rate of 8.3%, while the Banks industry saw earnings growing at 7.2% annually. Revenues have been growing at an average rate of 7.5% per year. River Valley Community Bancorp's return on equity is 8.3%, and it has net margins of 23.8%.
Key information
8.3%
Earnings growth rate
7.3%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 7.5% |
| Return on equity | 8.3% |
| Net Margin | 23.8% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
No updates
Recent updates
Revenue & Expenses Breakdown
How River Valley Community Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 18 | 4 | 10 | 0 |
| 31 Dec 23 | 19 | 6 | 10 | 0 |
| 31 Dec 22 | 19 | 7 | 8 | 0 |
| 31 Mar 22 | 17 | 5 | 0 | 0 |
| 31 Dec 21 | 17 | 5 | 8 | 0 |
| 30 Sep 21 | 18 | 5 | 7 | 0 |
| 30 Jun 21 | 18 | 5 | 7 | 0 |
| 31 Mar 21 | 16 | 5 | 7 | 0 |
| 31 Dec 20 | 16 | 4 | 7 | 0 |
| 30 Sep 20 | 14 | 4 | 7 | 0 |
| 30 Jun 20 | 14 | 3 | 7 | 0 |
| 31 Mar 20 | 14 | 4 | 7 | 0 |
| 31 Dec 19 | 13 | 4 | 7 | 0 |
| 31 Dec 18 | 11 | 4 | 5 | 0 |
| 31 Dec 17 | 9 | 3 | 4 | 0 |
| 31 Dec 16 | 7 | 2 | 4 | 0 |
| 31 Dec 15 | 6 | 2 | 3 | 0 |
| 31 Dec 14 | 5 | 1 | 3 | 0 |
| 31 Dec 13 | 5 | 1 | 3 | 0 |
Quality Earnings: RVCB has high quality earnings.
Growing Profit Margin: RVCB's current net profit margins (23.8%) are lower than last year (31.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: RVCB's earnings have grown by 8.3% per year over the past 5 years.
Accelerating Growth: RVCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: RVCB had negative earnings growth (-28.7%) over the past year, making it difficult to compare to the Banks industry average (-13.1%).
Return on Equity
High ROE: RVCB's Return on Equity (8.3%) is considered low.