EN DE
Watch River Valley Community Bancorp for free: we tell you when fair value or trend changes.
Data-driven stock valuation

River Valley Community Bancorp (RVCB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of River Valley Community Bancorp stock $14.80, price $24.50, that is 39.6% below the price, quality 45 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

RV River Valley Community Bancorp logo Broad data Nov 8, 2026

River Valley Community Bancorp

RVCB · US
Very expensive, weak quality

Our calculation puts a fair price 40% below what the stock costs today.

Highly profitable · 20.1% net margin (TTM)
Broad data
Revenue last quarter +17% vs. a year ago.
Quality 45/100
Mixed Growth (revenue 5y +9.8 %/yr in USD)
Moderate moat 51/100 · thin data
Fair value $14.80 · Strongly overvalued
Trails peers (2/14)
Watch River Valley Community Bancorp for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$30.65 $7.47 Fair Value $14.80 Jul 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $7.47 – $30.65 · fair‑value band $14.49 – $16.16 · the $24.50 price screens above the $14.80 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

Follow River Valley Community Bancorp in your weekly email

Every Wednesday you see whether River Valley Community Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

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.

Show moreShow less

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, and card services.

The company serves small to middle-market businesses and professionals. It operates branches in Yuba City, Grass Valley, Auburn, Marysville, and California. River Valley Community Bancorp was founded in 2006 and is headquartered in Yuba City, California.

Stock analysis

River Valley Community Bancorp (RVCB) currently trades at $24.50, while our model-based Fair Value estimate is $14.80, 40% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $22.53 per share, and 1 of the 6 models we run sit above the $24.50 price.

Bear case: the Asset-Based group reads lowest at $12.81, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $14.49 (bear) to $16.16 (bull), the price of $24.50 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 45/100 (below-average quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

River Valley Community Bancorp reported revenue of $30.6M in FY2025 versus $17.4M in FY2021, a compound +15.2%/yr. Reported net income was $4.4M in FY2025, compounding −4.7%/yr from FY2021.

Key figures

Market cap $79.1M Micro · P/E ratio 18.0 · P/S ratio 3.66 · EPS (TTM) $1.36 · Dividend yield 0.3% · Net margin 20.1% · Return on equity 7.5% · Return on assets (EBIT) 1.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 5% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −40%, RVCB screens richer than that median.

Fair Value models

Bear $14.49 Fair Value $14.80 Bull $16.16
Price $24.50 · Downside -39.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.17 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $14.49 $14.80 $16.16 76
Gordon GGM $0.5300 $0.9500 $1.30 68
DDM Multi-Stage $0.5300 $0.8700 $1.02 67
All 6 models by family
Dividend Discount
Gordon GGM $0.5300 $0.9500 $1.30 68
DDM Multi-Stage $0.5300 $0.8700 $1.02 67
Multiples
P/E Multiple $13.71 $18.28 $22.84 63
P/B Multiple $20.08 $26.77 $33.46 55
Asset-Based
NCAV (Graham) $9.56 $12.81 $19.12 54
Economic Profit
Residual Income $14.49 $14.80 $16.16 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 45/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 26
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 53
Do the profits arrive as real cash?
Financial strength 5
Debt, balance sheet and risk of trouble
Investment 58
Does it invest with discipline instead of growing at any price?
Low Volatility 68
How calm the share price moves, does not count
Price momentum 46
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 43
Distance to the 52-week high, does not count
New shares 73
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+11.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.8%
Start year 2020 (pandemic). Over 10 years: +16.0% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.4%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+0.4%
Dividend (yield on the price)0.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.0.4% vs 8.9%, slowing
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 20%
Pace: the 5-year rate starts in 2020 (pandemic)

RVCB screens overvalued: fair value 40% below the price. Compare with China Merchants Bank Co →

Compare River Valley Community Bancorp with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 1/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside −39.6% · Bottom 25%
Profitability
Return on equity (12 months) 7.5% · Below median
Return on assets 0.6% · Bottom 25%
Net margin (12 months) 20.1% · Bottom 25%
Operating margin (12 months) 18.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 16.9% · Above median
Dividend yield (12 months) 0.3% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 18.0× · Priciest 25%
P/B 1.32× · Pricier than median
P/S (12 months) 3.66× · Pricier than median
Price / free cash flow (fiscal year) 23.4× · Priciest 25%
EV/EBITDA 10.5× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)85 · sector 47
PAST (return on equity)30 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)6 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs RVCB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs RVCB
BNP Paribas SA BNP €91.93 €106.01 +15% vs RVCB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs RVCB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs RVCB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs RVCB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs RVCB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs RVCB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs RVCB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs RVCB

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

River Valley Community Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "River Valley Community Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/RVCB

Frequently asked questions

Is River Valley Community Bancorp (RVCB) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $14.80 versus a price of $24.50, about 40% lower (overvalued).
What is the fair value of RVCB?
Our model-based fair value for River Valley Community Bancorp is $14.80 (as of Nov 8, 2026), built from audited fundamentals. The current price: $24.50.
What is the quality score of RVCB?
River Valley Community Bancorp has a Quality Score of 45/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for River Valley Community Bancorp (RVCB)?
Our model-based price target is the fair value of $14.80 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $14.49, optimistic scenario $16.16. It is a calculation from audited fundamentals, not an analyst target.
What is the River Valley Community Bancorp stock forecast for 2026?
Our models put fair value at $14.80, about 40% lower versus a price of $24.50 (overvalued). Cautious scenario $14.49, optimistic scenario $16.16. The calculation is refreshed regularly with new filings.
What is the revenue of River Valley Community Bancorp (RVCB)?
River Valley Community Bancorp reported trailing-twelve-month revenue of about $21.6M (latest available figure, as of Nov 8, 2026).
Does River Valley Community Bancorp pay a dividend?
River Valley Community Bancorp currently shows a dividend yield of 0.29% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of River Valley Community Bancorp (RVCB)?
River Valley Community Bancorp has a dividend yield of 0.3%.
What is the intrinsic value of River Valley Community Bancorp (RVCB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For River Valley Community Bancorp it is $14.80 per share (as of Nov 8, 2026), against a price of $24.50. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is River Valley Community Bancorp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, RVCB trades above its calculated fair value: price $24.50, fair value $14.80, a gap of about −40% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RVCB?
No. The price is what the market pays today ($24.50); the fair value is what the company's own numbers justify ($14.80). For River Valley Community Bancorp the two are $9.70 per share apart. That gap is exactly why we show both numbers side by side.
How much is River Valley Community Bancorp worth?
The market values River Valley Community Bancorp at about $79.1M (market capitalisation, as of Nov 8, 2026). Per share that is $24.50; our models calculate a fair value of $14.80 per share.
What do the bullish and bearish scenarios say about RVCB?
Our models span a range for River Valley Community Bancorp: cautious scenario $14.49, base $14.80, optimistic $16.16 per share (as of Nov 8, 2026, price $24.50). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RVCB?
River Valley Community Bancorp trades at a price-to-earnings ratio of 18.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.80 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 12.8. Other multiples: P/B 1.3, P/S 3.7, EV/EBITDA 10.5.
How solid is the balance sheet of River Valley Community Bancorp (RVCB)?
Balance-sheet figures for River Valley Community Bancorp (as of Nov 8, 2026): return on equity 7.5%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is RVCB from its 52-week high?
River Valley Community Bancorp trades at $24.50, about 3% below its 52-week high of $25.17 and 5% above the low of $23.42 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $14.80 is for.
Which stocks are comparable to River Valley Community Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is River Valley Community Bancorp stock attractive at the current price?
The data as of Nov 8, 2026: price $24.50, calculated fair value $14.80 (−40%), Quality Score 45/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RVCB calculated?
We run River Valley Community Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $14.80 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. River Valley Community Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of River Valley Community Bancorp (RVCB)?
The closing price on Nov 6, 2026 was $24.50. Our model-based fair value is $14.80, about 40% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with River Valley Community Bancorp right now?
The price sits above even our optimistic bull case ($16.16). The favourable scenario is already priced in. Weak quality (45/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band ($14.49 to $16.16), unusually little disagreement for a valuation. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of River Valley Community Bancorp (RVCB) come from?
Earnings per share at River Valley Community Bancorp grew +12.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +15.9 %, EBIT margin −3.9 %, tax rate +0.9 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of River Valley Community Bancorp

How large is the market capitalisation of River Valley Community Bancorp (RVCB)?
The market capitalisation of River Valley Community Bancorp is $79.1M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of River Valley Community Bancorp (RVCB)?
The price-to-sales ratio of River Valley Community Bancorp is 3.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of River Valley Community Bancorp (RVCB)?
Earnings per share at River Valley Community Bancorp are $1.36 (price ÷ EPS = P/E 18.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of River Valley Community Bancorp (RVCB)?
The dividend yield of River Valley Community Bancorp is 0.3% (payout 5.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of River Valley Community Bancorp (RVCB)?
The net margin of River Valley Community Bancorp is 20.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of River Valley Community Bancorp (RVCB)?
The return on equity (ROE) of River Valley Community Bancorp is 7.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of River Valley Community Bancorp (RVCB)?
On an EBIT basis the return on assets of River Valley Community Bancorp is 1.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of River Valley Community Bancorp (RVCB)?
The operating margin of River Valley Community Bancorp is 18.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at River Valley Community Bancorp (RVCB)?
Revenue at River Valley Community Bancorp is growing +16.9% versus a year earlier (3y avg +14.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at River Valley Community Bancorp (RVCB)?
Earnings per share at River Valley Community Bancorp are growing −5.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does River Valley Community Bancorp (RVCB) generate?
The free cash flow of River Valley Community Bancorp is $3.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does River Valley Community Bancorp (RVCB) carry?
The net debt of River Valley Community Bancorp is $20.5M (fiscal year 2025, ≈ 6.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch River Valley Community Bancorp in the live analysis

One click puts River Valley Community Bancorp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.