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RVCB (RVCB) Fair Value & Analysis

Financial Services · US · Market cap $73.9M

Price$24.00
Fair Value$18.28
Upside-23.8%
Quality95/100
Evidence: High Range $13.71 – $22.84

Fair value as of: Jun 26, 2026

Analysis

RVCB (RVCB) currently trades at $24.00, while our model-based Fair Value estimate is $18.28 — implying the stock looks roughly 23.8% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

River Valley Community Bancorp, through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. It accepts personal and business checking accounts; savings accounts; certificates of deposit; and IRA accounts. The company's loan products include agricultural operating loans and lines of credit, agricultural real estate and land development, farmer mac, commercial real estate, and construction loans, as well as SBA 504; home equity lines of credit; commercial loans and lines of credit; and agricultural operating loans and lines. It also offers debit, credit, money, and gift cards; and online banking and bill payment, ACH origination, text message banking, electronic statements, remote deposit capture, merchant card processing, payroll, cheques, automatic teller machine, drive-up teller window, safe deposit box, notary, night depository, overdraft protection, bank by mail, direct deposit, wire transfer, mobile banking, online, an…

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Frequently asked questions

Is RVCB (RVCB) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $18.28 versus a price of $24.00 — about −24% (overvalued). Model-based estimate, not financial advice.
What is the fair value of RVCB?
Our 21-model fair value for RVCB is $18.28 (as of Jun 26, 2026), built from audited fundamentals. The current price is $24.00.
What is the quality score of RVCB?
RVCB has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.