Income statement
USD
Annual
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 31M | 27M | 25M | 20M | 17M |
| Gross Profit | 27M | 19M | 20M | 19M | 17M |
| Operating Income | 13M | 6M | 8M | 9M | 7M |
| EBITDA | 13M | 0 | 8M | 0 | 8M |
| Net Income | 13M | 4M | 6M | 7M | 5M |
| EPS (Diluted) | — | — | — | — | — |
Financial Services
Live Price
Offline$23.55
-1.88% today
1Y Change
-22.42%
Window
Jun 23, 2025 → Jun 3, 2026
Coverage: 238 bars · Jun 23, 2025 → 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 $23.55 and down 22.4% across the available one-year price window (Jun 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
RVCB
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
RVCB Max Drawdown
-24.68%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for RVCB and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$17.4M
-14.5% YoY
FY Net Income
$5.3M
-22.0% YoY
Free Cash Flow
$2.0M
-61.1% YoY
Revenue Growth
+11.9%
EPS Growth
+0.7%
Gross Margin
54.0%
Net Margin
18.1%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 31M | 27M | 25M | 20M | 17M |
| Gross Profit | 27M | 19M | 20M | 19M | 17M |
| Operating Income | 13M | 6M | 8M | 9M | 7M |
| EBITDA | 13M | 0 | 8M | 0 | 8M |
| Net Income | 13M | 4M | 6M | 7M | 5M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|
| Cash & Equivalents | 38M | 40M | 92M | 103M | 0 |
| Total Assets | 603M | 582M | 630M | 601M | 496M |
| Total Liabilities | 551M | 536M | 594M | 551M | 450M |
| Shareholder Equity | 52M | 46M | 37M | 49M | 47M |
| Total Debt | 1M | 1M | 112K | 108K | 84K |
| Net Debt | 1M | -39M | -90M | -101M | 84K |
Cash flow positioning
Latest Full Year
Operating Cash Flow
4M
-13.6% YoY
Capital Expenditures
2M
-8441.9% YoY
Free Cash Flow
2M
-61.1% YoY
Key ratios
Gross Margin
54.0%
Operating Margin
31.1%
Net Margin
18.1%
ROE
9.8%
Debt / Equity
0.53x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.