River Valley Community Bancorp Past Earnings Performance
Past criteria checks 1/6
River Valley Community Bancorp's earnings have been declining at an average annual rate of -4.2%, while the Banks industry saw earnings growing at 2.8% annually. Revenues have been growing at an average rate of 4% per year. River Valley Community Bancorp's return on equity is 7.1%, and it has net margins of 20%.
Key information
-4.19%
Earnings growth rate
-5.15%
EPS growth rate
Banks Industry Growth
11.18%
Revenue growth rate
3.98%
Return on equity
7.13%
Net Margin
20.05%
Last Earnings Update
31 Mar 2026
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
OTCPK:RVCB Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
22
4
13
0
31 Dec 25
21
4
13
0
30 Sep 25
20
5
0
0
30 Jun 25
19
5
0
0
31 Mar 25
19
4
0
0
31 Dec 24
19
4
11
0
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
Quality Earnings: RVCB has high quality earnings.
Growing Profit Margin: RVCB's current net profit margins (20%) are lower than last year (23.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: RVCB's earnings have declined by 4.2% 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 (-3.5%) over the past year, making it difficult to compare to the Banks industry average (22.8%).
Return on Equity
High ROE: RVCB's Return on Equity (7.1%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/05/25 23:41
End of Day Share Price
2026/05/21 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
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.
* 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.
Analysis Model and Snowflake
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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 Github.
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.