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River Valley Community Bancorp RVCB

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Price alert · RVCB

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24.98 USD 0.00 0.00%

As of Nov 2, 12:17 PM ET

24.98 Day range 24.98
23.16 52-week range 26.44
YTD
+3.01%
1 year
-0.08%
Open
24.98
Prev close
24.98
Mkt cap
78.37M
Vol
200
Avg vol
507
EPS
1.37
P/E
18.23
More statistics
Low
24.98
High
24.98

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Financial health

Altman Z-Score

0.14 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 2
  • Debt / Equity 4
  • P/E 2
  • P/B 2

Valuation

P/E 17.2×
FY 2016: 13.3×FY 2017: 23.1×FY 2018: 14.8×FY 2019: 14.3×FY 2020: 15.4×FY 2021: 12.4×FY 2022: 10.3×FY 2023: 11.5×FY 2024: 16.8×FY 2025: 17.2×
FY 2016 5y median 12.4× FY 2025
P/S 2.4×
FY 2016: 3.2×FY 2017: 5.8×FY 2018: 4.1×FY 2019: 3.5×FY 2020: 3.3×FY 2021: 3.8×FY 2022: 3.5×FY 2023: 2.7×FY 2024: 2.6×FY 2025: 2.4×
FY 2016 5y median 2.7× FY 2025
P/B 1.2×
FY 2016: 1.0×FY 2017: 2.1×FY 2018: 1.8×FY 2019: 1.6×FY 2020: 1.4×FY 2021: 1.3×FY 2022: 1.9×FY 2023: 1.5×FY 2024: 1.4×FY 2025: 1.2×
FY 2016 5y median 1.4× FY 2025
P/FCF 21.5×
FY 2016: 9.9×FY 2017: 35.8×FY 2018: 17.3×FY 2019: 11.6×FY 2020: 32.0×FY 2021: 13.0×FY 2022: 8.7×FY 2023: 13.9×FY 2024: 12.0×FY 2025: 21.5×
FY 2016 5y median 13.0× FY 2025
EV/EBITDA 14.4×
FY 2016: 6.0×FY 2017: 9.2×FY 2018: 8.4×FY 2019: 18.4×FY 2020: 9.6×FY 2021: -4.3×FY 2022: -2.1×FY 2023: 3.5×FY 2024: 5.2×FY 2025: 14.4×
FY 2016 5y median 3.5× FY 2025
EV/Sales 3.0×
FY 2016: 3.2×FY 2017: 5.8×FY 2018: 4.1×FY 2019: 7.5×FY 2020: 3.3×FY 2021: -2.1×FY 2022: -1.1×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 3.0×
FY 2016 5y median 1.1× FY 2025
FCF Yield 4.7%
FY 2016: 10.1%FY 2017: 2.8%FY 2018: 5.8%FY 2019: 8.6%FY 2020: 3.1%FY 2021: 7.7%FY 2022: 11.5%FY 2023: 7.2%FY 2024: 8.3%FY 2025: 4.7%
FY 2016 5y median 7.7% FY 2025

Profitability

Gross Margin 89.8%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 85.5%FY 2021: 96.4%FY 2022: 94.9%FY 2023: 78.8%FY 2024: 68.0%FY 2025: 89.8%
FY 2016 5y median 89.8% FY 2025
Operating Margin 19.5%
FY 2016: 36.7%FY 2017: 42.1%FY 2018: 37.3%FY 2019: 33.7%FY 2020: 41.4%FY 2021: 42.3%FY 2022: 46.3%FY 2023: 31.9%FY 2024: 21.8%FY 2025: 19.5%
FY 2016 5y median 31.9% FY 2025
Net Margin 14.4%
FY 2016: 24.0%FY 2017: 25.0%FY 2018: 27.7%FY 2019: 24.7%FY 2020: 21.5%FY 2021: 30.8%FY 2022: 33.7%FY 2023: 23.3%FY 2024: 15.9%FY 2025: 14.4%
FY 2016 5y median 23.3% FY 2025
ROE 7.4%
FY 2016: 7.8%FY 2017: 9.1%FY 2018: 12.2%FY 2019: 11.0%FY 2020: 8.8%FY 2021: 10.8%FY 2022: 18.7%FY 2023: 12.8%FY 2024: 8.5%FY 2025: 7.4%
FY 2016 5y median 10.8% FY 2025
ROIC 3.5%
FY 2016: 2.2%FY 2017: 1.3%FY 2018: 1.8%FY 2019: 1.5%FY 2020: 2.6%FY 2021: 0.9%FY 2022: 17.6%FY 2023: 1.0%FY 2024: 7.9%FY 2025: 3.5%
FY 2016 5y median 3.5% FY 2025
ROA 0.6%
FY 2016: 0.6%FY 2017: 0.8%FY 2018: 1.0%FY 2019: 0.9%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.1%FY 2023: 1.0%FY 2024: 0.7%FY 2025: 0.6%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 11.9%
FY 2016: 19.2%FY 2017: 24.5%FY 2018: 28.4%FY 2019: 27.7%FY 2020: 13.9%FY 2021: -9.5%FY 2022: 16.9%FY 2023: 24.6%FY 2024: 8.0%FY 2025: 11.9%
FY 2016 FY 2025
Operating Income -0.1%
FY 2016: 17.1%FY 2017: 43.0%FY 2018: 13.8%FY 2019: 15.4%FY 2020: 39.8%FY 2021: -7.5%FY 2022: 28.1%FY 2023: -14.2%FY 2024: -26.0%FY 2025: -0.1%
FY 2016 FY 2025
EPS (diluted) 0.7%
FY 2016: 11.9%FY 2017: 27.3%FY 2018: 40.5%FY 2019: 14.4%FY 2020: 0.0%FY 2021: 28.1%FY 2022: 26.0%FY 2023: -15.1%FY 2024: -26.5%FY 2025: 0.7%
FY 2016 FY 2025
Free Cash Flow -42.4%
FY 2016: 1.7%FY 2017: -37.9%FY 2018: 87.2%FY 2019: 65.2%FY 2020: -61.2%FY 2021: 157.2%FY 2022: 58.7%FY 2023: -39.7%FY 2024: 20.0%FY 2025: -42.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.4×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.2×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.7×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.5×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA 3.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 9.7×FY 2020: 0.0×FY 2021: -12.1×FY 2022: -9.0×FY 2023: -4.7×FY 2024: -5.7×FY 2025: 3.2×
FY 2016 5y median -5.7× FY 2025
Interest Coverage 2.0×
FY 2016: 69.6×FY 2017: 7.0×FY 2018: 3.8×FY 2019: 3.1×FY 2020: 10.6×FY 2021: 11.9×FY 2022: 9.0×FY 2023: 1.5×FY 2024: 0.7×FY 2025: 2.0×
FY 2016 5y median 2.0× FY 2025

Dividends

Dividend Yield 0.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.3%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 5.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 5.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31