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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

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GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

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» RIVR's 10-Y Financials

Financials (Next Earnings Date: 0)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:FNRN, NAS:FSBW, OTCBB:JUVF, OTCPK:CHBH, OTCPK:FMBM, NAS:SAL, OTCPK:HLAN, OTCPK:EFSI, NAS:CBAN, OTCPK:FNCB, NAS:OVLY, OTCPK:FDBC, NAS:OVBC, NAS:HWBK, OTCPK:BKGMF, NAS:BKSC, NAS:HBMD, OTCPK:KTYB, OTCPK:FMBA, NAS:SVBI » details
River Valley Bancorp through River Valley Financial has concentrated its lending activities on the origination of loans secured by first mortgage liens for the purchase, construction, or refinancing of one- to four-family residential real property.

River Valley Bancorp, an Indiana corporation, was formed in 1996. The activities of the holding company have been limited mainly to holding the stock of River Valley Financial, which was organized in 1875 under the laws of the United States of America. River Valley Financial, which provides banking services in a single business segment, conducts operations from its 14 full-service office locations in southeastern Indiana and northern Kentucky. Its loan portfolio comprises of residential loans, multi-family loans, construction loans, nonresidential real estate loans, land loans, commercial loans, and consumer loans. The Bank underwrites fixed rate residential mortgage loan for potential sale to the FHLMC on a servicing-retained basis. Deposits are attracted through the offering of deposit instruments including fixed rate certificate of deposits, NOW, MMDAs and other transactional accounts, individual retirement accounts and savings accounts. The Bank is subject to examination, supervision and regulation by the Indiana Department of Financial Institutions, and the Federal Deposit Insurance Corporation. The Holding Company is a bank holding company, subject to oversight by the Board of Governors of the Federal Reserve System.

Ratios

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Dividend & Buy Back

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Dividend Yield 2.68
RIVR's Dividend Yield is ranked lower than
54% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. RIVR: 2.68 )
Ranked among companies with meaningful Dividend Yield only.
RIVR' s Dividend Yield Range Over the Past 10 Years
Min: 0  Med: 0 Max: 2.68
Current: 2.68
0
2.68
Dividend Payout 0.41
RIVR's Dividend Payout is ranked lower than
63% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. RIVR: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
RIVR' s Dividend Payout Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0.41
Current: 0.41
0
0.41
Forward Dividend Yield 2.68
RIVR's Forward Dividend Yield is ranked lower than
59% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. RIVR: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.68
RIVR's Yield on cost (5-Year) is ranked lower than
61% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. RIVR: 2.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RIVR' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 2.68

Valuation & Return

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More Statistics

Revenue (TTM) (Mil) $21.55
EPS (TTM) $ 2.20
Short Percentage of Float0.03%
52-Week Range $21.34 - 36.05
Shares Outstanding (Mil)2.51
» More Articles for RIVR

Headlines

Articles On GuruFocus.com
River Valley Bancorp. Reports Operating Results (10-Q) Nov 15 2010 
River Valley Bancorp. Reports Operating Results (10-Q) Aug 16 2010 
River Valley Bancorp. Reports Operating Results (10-Q) May 14 2010 
River Valley Bancorp. Reports Operating Results (10-Q) Nov 16 2009 
River Valley Bancorp. Reports Operating Results (10-Q) Aug 13 2009 
River Valley Bancorp. Reports Operating Results (10-Q) May 15 2009 

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County Bancorp, Inc. Announces Completion of Merger With Fox River Valley Bancorp, Inc. May 13 2016
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River Valley Bancorp Announces Quarterly Cash Dividend Dec 08 2015
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River Valley Bancorp (Indiana) Earnings Q3, 2015 Nov 12 2015
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