River Valley Community Bancorp (RVCB)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 17 | 19 | 20 | 19 | 28 | 25 | - |
| Operating profit | $m | 6 | 6 | ||||||
| Net profit | $m | 4 | 5 | 7 | 6 | 4 | 4 | 6 | - |
| EPS reported | $ | 1.37 | 1.42 | ||||||
| Operating cashflow per share | $ | 1.44 | 0.00 | ||||||
| Capex per share | $ | 0.31 | 0.00 | ||||||
| FCF per share | $ | 1.13 | 0.00 | ||||||
| Free cash flow | $m | 3 | 0 | ||||||
| Net debt | $m | 21 | 30 | ||||||
| Book value equity | $m | 60 | 61 | ||||||
| Book value per share | $ | 18.82 | 18.82 | ||||||
| Number of shares | m | 3.19 | 3.23 | ||||||
| DPS (TTM paid) | $ | 0.21 | 0.28 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 17.70 | 18.52 | ||||||
| P/B LTM | x | 1.21 | 1.19 | ||||||
| P/S LTM | x | 2.63 | 2.86 | ||||||
| P/FCF LTM | x | 21.45 | 0.00 | ||||||
| EV/EBITDA LTM | x | 14.43 | 15.09 | ||||||
| EV/Sales LTM | x | 3.04 | 3.48 | ||||||
| Earnings Yield LTM | % | +5.65% | +5.40% | ||||||
| FCF Yield | % | +4.66% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +7.35% | +9.26% | ||||||
| ROIC | % | +3.51% | +1.23% | ||||||
| Operating margin | % | +19.50% | +31.08% | ||||||
| Gross margin | % | +89.83% | +53.97% | ||||||
| FCF/Sales | % | +11.06% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +0.74% | +4.41% | ||||||
| Sales Growth YoY | % | +48.64% | +36.43% | ||||||
| Net Income Growth YoY | % | +1.28% | +41.82% | ||||||
| FCF Growth | % | -42.41% | -100.00% | ||||||
| Operating Profit Growth | % | -0.10% | +3.36% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.30% | +0.88% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | +5.03% | 0.00% | ||||||
| FCF/Debt | x | 0.11 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.18 | 5.14 | ||||||
| EBIT/Net interest | x | 2.02 | 1.54 | ||||||
| Net debt/market cap | % | +84.37% | +39.84% | ||||||
| Net debt/Equity | x | 0.34 | 0.49 | ||||||
| Gross debt/equity | x | 0.53 | 0.49 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
River Valley Community Bancorp, operating through its subsidiary, River Valley Community Bank, delivers a comprehensive array of financial products and services across the United States. Established in 2006 and headquartered in Yuba City, California, the institution primarily serves small and mid-sized businesses, alongside individual professionals. Its deposit offerings encompass personal and business checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The bank provides a diverse portfolio of lending solutions, including consumer term loans, consumer construction loans, residential real estate mortgages, home equity lines of credit, and specialized financing for professional practices. Commercial lending extends to agricultural real estate, land development, construction projects, and general commercial real estate, complemented by commercial lines of credit and agricultural operating loans. Additionally, River Valley Community Bank issues various cards such as debit, credit, travel money, and gift cards. Its digital services are robust, featuring online banking, bill payment, ACH origination, electronic statements, remote deposit capture, and mobile banking. For businesses, it offers merchant card processing and payroll services. Further conveniences include cashier's checks, ATM access, drive-up teller windows, safe deposit boxes, notary services, night depositories, overdraft protection, direct deposit, and wire transfers. The bank maintains physical branches in Yuba City, Grass Valley, Auburn, and Marysville, all located within California.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
River Valley Community Bancorp (RVCB)
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
River Valley Community Bancorp, operating through its subsidiary, River Valley Community Bank, delivers a comprehensive array of financial products and services across the United States. Established in 2006 and headquartered in Yuba City, California, the institution primarily serves small and mid-sized businesses, alongside individual professionals. Its deposit offerings encompass personal and business checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The bank provides a diverse portfolio of lending solutions, including consumer term loans, consumer construction loans, residential real estate mortgages, home equity lines of credit, and specialized financing for professional practices. Commercial lending extends to agricultural real estate, land development, construction projects, and general commercial real estate, complemented by commercial lines of credit and agricultural operating loans. Additionally, River Valley Community Bank issues various cards such as debit, credit, travel money, and gift cards. Its digital services are robust, featuring online banking, bill payment, ACH origination, electronic statements, remote deposit capture, and mobile banking. For businesses, it offers merchant card processing and payroll services. Further conveniences include cashier's checks, ATM access, drive-up teller windows, safe deposit boxes, notary services, night depositories, overdraft protection, direct deposit, and wire transfers. The bank maintains physical branches in Yuba City, Grass Valley, Auburn, and Marysville, all located within California.
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