River Valley Community Bancorp (RVCB)

River Valley Community Bancorp is a bank holding company whose subsidiary, River Valley Community Bank, provides banking services in the United States. Through its banking operations, the company accepts consumer and business deposit accounts, including checking, savings, certificates of deposit, and IRAs, and extends a range of lending products such as consumer term loans, agricultural real estate and land development loans, construction loans, SBA 504 loans, home equity lines of credit, commercial loans and lines of credit, and agricultural operating loans. It also provides card, cash management, and digital banking services such as online and mobile banking, bill pay, ACH origination, remote deposit capture, and electronic statements. The company serves small and middle-market businesses and professionals and operates branches in Yuba City, Grass Valley, Auburn, and Marysville, California. Founded in 2006, River Valley Community Bancorp is headquartered in Yuba City, California.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-RVCB
$21.93
-7.7% Downside
Fair
Not available
Not available
Fair
1.2%
October 22, 2026
17.4x
1.2x
3.5x
75.341 M
28.5%
-2.4
5.0%
78.1%
Valuation • Fair Value

River Valley Community Bancorp (OTC-RVCB) Fair Value by Valuation Model

Review the available estimates for River Valley Community Bancorp (OTC-RVCB), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$21.93

Estimated downside of 7.7% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$15.18

Classic Ben Graham valuation formula reference.

DDM Fair Value

$24.05

Dividend discount model valuation reference.

Comps Fair Value

$21.22

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 5 available valuation references for River Valley Community Bancorp (OTC-RVCB) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for River Valley Community Bancorp (OTC-RVCB)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

21.618 M

Current operating scale indicator.

Revenue Forecast

22.344 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review River Valley Community Bancorp (OTC-RVCB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for River Valley Community Bancorp (OTC-RVCB)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Altman Z-Score

-2.4

Lower score that deserves closer risk review.

FCF / Net Income

78.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for River Valley Community Bancorp (OTC-RVCB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for River Valley Community Bancorp (OTC-RVCB)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

34

Dividend Yield

1.2%

Current income yield reference.

Payout Ratio

5.0%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for River Valley Community Bancorp (OTC-RVCB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Technical Outlook

Technical Signals by Time Frame

Review the technical signals currently available for this stock across supported time frames.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for River Valley Community Bancorp (OTC-RVCB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for River Valley Community Bancorp (OTC-RVCB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for River Valley Community Bancorp (OTC-RVCB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Sell

The weekly technical read for River Valley Community Bancorp (OTC-RVCB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Sell

The monthly technical read for River Valley Community Bancorp (OTC-RVCB) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

FAQ Fast Investor Answers

River Valley Community Bancorp (OTC-RVCB) Stock FAQ

Data-supported answers about River Valley Community Bancorp (OTC-RVCB), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$21.93
Estimated downside 7.7%
Valuation Rating
Overvalued
Estimated downside of 7.7%
Financial Health
Fair
Current financial-health read

The current fair value estimate for River Valley Community Bancorp (OTC-RVCB) is $21.93. This implies an estimated downside of 7.7% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 7.7% versus the current market price.

The current financial health read for River Valley Community Bancorp (OTC-RVCB) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for River Valley Community Bancorp (OTC-RVCB) is October 22, 2026.

Based on the current data, dividend yield is 1.2%.

The current P/E ratio listed for River Valley Community Bancorp (OTC-RVCB) is 17.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for River Valley Community Bancorp is 75.341 M.

The ticker symbol for River Valley Community Bancorp is OTC-RVCB, and the stock is listed on OTC Markets.

River Valley Community Bancorp (OTC-RVCB) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for River Valley Community Bancorp is 28.5%, which helps investors evaluate the company’s financing structure and leverage profile.