River Valley Community Bancorp

OTCPK:RVCB Stock Report

Market Cap: US$61.1m

River Valley Community Bancorp Valuation

Is RVCB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of RVCB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: RVCB ($19.8) is trading below our estimate of fair value ($38.03)

Significantly Below Fair Value: RVCB is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for RVCB?

Key metric: As RVCB is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for RVCB. This is calculated by dividing RVCB's market cap by their current earnings.
What is RVCB's PE Ratio?
PE Ratio14.1x
EarningsUS$4.39m
Market CapUS$61.13m

Price to Earnings Ratio vs Peers

How does RVCB's PE Ratio compare to its peers?

The above table shows the PE ratio for RVCB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average17.9x
CBKM Consumers Bancorp
7.1xn/aUS$59.1m
FFBW FFBW
30.9xn/aUS$62.5m
CMHF Community Heritage Financial
11xn/aUS$64.2m
FSMK 1ST SUMMIT BANCORP of Johnstown
22.7xn/aUS$60.1m
RVCB River Valley Community Bancorp
14.1xn/aUS$61.1m

Price-To-Earnings vs Peers: RVCB is good value based on its Price-To-Earnings Ratio (14.1x) compared to the peer average (17.9x).

Price to Earnings Ratio vs Industry

How does RVCB's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
RVCB 14.1xIndustry Avg. 13.1xNo. of Companies92PE0816243240+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: RVCB is expensive based on its Price-To-Earnings Ratio (14.1x) compared to the US Banks industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is RVCB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

RVCB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.1x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate RVCB's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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