Financial Services
River Valley Community Bancorp(RVCB)
Live Price
Offline$24.99
+0.00% today
1Y Change
-22.42%
Window
Jun 23, 2025 โ Jun 3, 2026
- Market Cap
- $80.00M
- Revenue Growth
- +11.9%
- EPS Growth
- +0.7%
- Dividend Yield
- 0.9%
Coverage: 238 bars ยท Jun 23, 2025 โ Jun 3, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
River Valley Community Bancorp (RVCB) is a Financial Services stock with a market cap of $80.00M and listed on OTC. The stock last traded around $24.99 and down 22.4% across the available one-year price window (Jun 23, 2025 โ Jun 3, 2026). Baseline metrics include revenue growth of +11.9%, EPS growth of +0.7%, a dividend yield of 0.9%. What stands out right now is revenue +11.9%, EPS +0.7%, free cash flow -42.4% with operating margin 31.1% and ROIC 1.2%. The dividend is present but secondary, with a yield around 0.9%. Valuation is more restrained than many high-expectation growth names at P/E 14.1 and price/sales 2.5. Stock Foundry combines RVCB price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+11.9% vs +3.4% peer median
Operating Margin
Above sector median
+31.1% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2025 was reported on Dec 31, 2025, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +11.9% and EPS at +0.7%, with operating margin around 31.1%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 0.9%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -0.6% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2025 Dec 31, 2025 | โ | +1.0% | +0.0% | +1.0% |
2025 Sep 30, 2025 | โ | +0.0% | -0.4% | -2.0% |
2025 Jul 30, 2025 | โ | -1.5% | -1.5% | -3.8% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
RVCB
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
RVCB Max Drawdown
-24.68%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for RVCB and SPY.
Company Overview
River Valley Community Bancorp
Other OTC
River Valley Community Bancorp, through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. The company accepts personal and business checking and savings accounts; certificates of deposits; and IRA accounts. Its loan products include consumer term, consumer construction, residential real estate mortgage, professional practice, agricultural real estate and land development, construction, and commercial real estate loans; home equity lines of credit; commercial lines of credit; and agricultural operating loans and lines. The company also offers debit, credit, travel money, and gift cards; and online banking and bill payment, ACH origination, electronic statement, remote deposit capture, merchant card processing, payroll, cashier's cheque, automatic teller machine, drive-up teller window, safe deposit box, notary, night depository, overdraft protection, direct deposit, wire transfer, and mobile banking services. It primarily serves small to middle-market businesses and professionals. The company has branches in Yuba City, Grass Valley, Auburn, and Marysville, California. River Valley Community Bancorp was founded in 2006 and is headquartered in Yuba City, California.
- Leadership
- John Jelavich
- IPO Date
- Apr 21, 2011
- Employees
- 64
- Street Address
- 1629 Colusa Avenue
- Mailing
- Yuba City, CA, 95993
- Region
- Yuba City, CA, US
- Reporting Currency
- USD
- Investor Line
- 530 755 0418
- Last Updated
- May 4, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 14.1
- EV/EBITDA
- 16.7
- Price/Sales
- 2.5
- Price/Book
- 1.3
Growth
- Revenue
- +11.9%
- EPS
- +0.7%
- Free Cash Flow
- -42.4%
Profitability
- Gross Margin
- 54.0%
- Operating Margin
- 31.1%
- Net Margin
- 18.1%
- ROE
- 9.8%
- ROIC
- 1.2%
Balance Sheet
- Debt/Equity
- 0.53
- Current Ratio
- 0.42
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.