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INDICATIVE · SAMPLE DATA
RVCB.PK57

River Valley Community Bancorp

BanksVerified

River Valley Community Bancorp has a fully diluted share count of 3,137,470 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. The company's liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for River Valley Community Bancorp, as no valuation snapshot data has been computed. This limits the ability to compare the company's performance against industry_config preferred metrics or cohort medians. The company's geographic exposure is concentrated in Sutter, Yuba, Nevada, Placer, Washoe, and surrounding counties, with additional loan production offices in Reno, Nevada, and Roseville, California. This regional focus may expose the company to localized economic conditions and regulatory changes. Growth trajectory data is not available for River Valley Community Bancorp, as no outlook numeric deltas or revenue history has been provided. This limits the ability to assess the company's future performance or expansion plans. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. The company is currently assessed as having low dilution risk, with no adjustments applied to its valuation. Recent events and filings have not been disclosed in the provided data, limiting the ability to assess the company's current operational or strategic developments.

30-day price · RVCB.PK+0.24 (+1.0%)
Low$23.55High$25.10Close$24.99As of10 May, 00:00 UTC
Profile
CompanyRiver Valley Community Bancorp
TickerRVCB.PK
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. River Valley Community Bancorp provides financial products and services to small to middle-market businesses and professionals in Sutter, Yuba, Nevada, Placer, Washoe, and surrounding counties through its wholly owned subsidiary, River Valley Community Bank.

Classification. River Valley Community Bancorp is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

River Valley Community Bancorp has a fully diluted share count of 3,137,470 shares, with no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities. The company's liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. Profitability and return metrics are not available for River Valley Community Bancorp, as no valuation snapshot data has been computed. This limits the ability to compare the company's performance against industry_config preferred metrics or cohort medians. The company's geographic exposure is concentrated in Sutter, Yuba, Nevada, Placer, Washoe, and surrounding counties, with additional loan production offices in Reno, Nevada, and Roseville, California. This regional focus may expose the company to localized economic conditions and regulatory changes. Growth trajectory data is not available for River Valley Community Bancorp, as no outlook numeric deltas or revenue history has been provided. This limits the ability to assess the company's future performance or expansion plans. Risk factors include the inability to assess liquidity risk due to missing balance-sheet inputs and no going-concern language in source documents. The company is currently assessed as having low dilution risk, with no adjustments applied to its valuation. Recent events and filings have not been disclosed in the provided data, limiting the ability to assess the company's current operational or strategic developments.
Key takeaways
  • River Valley Community Bancorp operates in a concentrated geographic region, which may increase exposure to local economic conditions.
  • The company has no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities.
  • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
  • Profitability and return metrics are not available, limiting the ability to compare the company's performance against industry benchmarks.
  • Growth trajectory data is not available, making it difficult to assess the company's future performance or expansion plans.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
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FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
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PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
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FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
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Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Banks · cohort 7 companies
MetricRVCB.PKActivity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin459.2% medp25 422.9% · p75 495.5%
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue2.6% medp25 1.0% · p75 12.1%
Debt / equity16.8% medp25 13.7% · p75 33.1%
Observations
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 07:28 UTC#86f8b932
Source: analysis-pipeline (hybrid)Generated: 2026-05-10 07:29 UTCJob: f3877e75