Subscribe

River Valley Community Bancorp (RVCB)

USD23.72 -0.04 (-0.17%)
US OTC Financial Services Banks - Regional
Address 1629 Colusa Avenue 95993
Yuba City, CA, US
CEO John Jelavich
Website myrvcb.com
IPO 2011-04-21
ISIN US76848L1098

Explore sections of this company profile

Description

River Valley Community Bancorp, operating through its subsidiary, River Valley Community Bank, delivers a comprehensive array of financial products and services across the United States. Established in 2006 and headquartered in Yuba City, California, the institution primarily serves small and mid-sized businesses, alongside individual professionals. Its deposit offerings encompass personal and business checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The bank provides a diverse portfolio of lending solutions, including consumer term loans, consumer construction loans, residential real estate mortgages, home equity lines of credit, and specialized financing for professional practices. Commercial lending extends to agricultural real estate, land development, construction projects, and general commercial real estate, complemented by commercial lines of credit and agricultural operating loans. Additionally, River Valley Community Bank issues various cards such as debit, credit, travel money, and gift cards. Its digital services are robust, featuring online banking, bill payment, ACH origination, electronic statements, remote deposit capture, and mobile banking. For businesses, it offers merchant card processing and payroll services. Further conveniences include cashier's checks, ATM access, drive-up teller windows, safe deposit boxes, notary services, night depositories, overdraft protection, direct deposit, and wire transfers. The bank maintains physical branches in Yuba City, Grass Valley, Auburn, and Marysville, all located within California.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD23.72 -0.04 (-0.17%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
222
Beta
0.14
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +1.65% -4.00% -3.03% -2.04% -1.03% -22.58% +4.35% +3.23% +185.71% +275.00%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
23.72
DCF (Unlevered) 66.46 +180.2%
DCF (Levered) 96.91 +308.5%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.19
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
  • Revenue growth
    +11.9% Q1'26: +26.0% (vs Q1'25)
  • EPS growth
    +0.7% Q1'26: -5.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +16.0% (vs Q1'25)
  • ROIC
    Q1'26: +7.1% (vs Q1'25)
  • Share dilution
    +1.2% Q1'26: -1.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.58× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.16) × ERP
WACC = 72% × Ke + 29% × Kd (9.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 66.46 Current price: 23.72
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-26 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-21 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-20 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-19 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-18 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-14 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-11 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-07 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-06 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-04 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-05-01 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-04-30 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-04-23 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-04-22 C 2/5 5/5 1/5 1/5 1/5 2/5 1/5
2026-04-17 C+ 2/5 5/5 1/5 1/5 1/5 3/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-584.0K
OE per share TTM
-0.18
Owner's Yield
-0.78%
Maintenance CapEx ratio
55.20%
Maint CapEx / Avg PPE
31.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
93.3K
Shares Outstanding
3.14M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Andrew Tagg Senior Vice President & Market Manager
Charissa McClain Senior Vice President, Compliance Officer, CRA Officer & BSA Officer female
John Jelavich President, Chief Executive Officer & Director male
Kevin S. Reynolds Executive Vice President & Chief Financial Officer male
Liesl Schmidt Executive Vice President & Chief Operating Officer female
Lucas C. Parnell Executive Vice President, Chief Credit Officer & Chief Lending Officer male
Matthew Peyret Senior Vice President & Market Manager of Yuba Sutter Market male
Rob Gutowski Senior Vice President & Relationship Manager male
Rob Gutowsky Senior Vice President & Senior Relationship Manager male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits