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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.34
RIVR's Cash to Debt is ranked lower than
75% of the 1075 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. RIVR: 0.34 )
Ranked among companies with meaningful Cash to Debt only.
RIVR' s Cash to Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.23 Max: No Debt
Current: 0.34
Equity to Asset 0.11
RIVR's Equity to Asset is ranked higher than
61% of the 1536 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. RIVR: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
RIVR' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.08 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 2.15
RIVR's Interest Coverage is ranked higher than
54% of the 1388 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.89 vs. RIVR: 2.15 )
Ranked among companies with meaningful Interest Coverage only.
RIVR' s Interest Coverage Range Over the Past 10 Years
Min: 0.2  Med: 0.36 Max: 1.81
Current: 2.15
0.2
1.81
F-Score: 5
WACC vs ROIC
10.09%
6.13%
WACC
ROIC
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 : 7/10

vs
industry
vs
history
Operating margin (%) 33.08
RIVR's Operating margin (%) is ranked higher than
57% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.52 vs. RIVR: 33.08 )
Ranked among companies with meaningful Operating margin (%) only.
RIVR' s Operating margin (%) Range Over the Past 10 Years
Min: 12.59  Med: 26.61 Max: 30.64
Current: 33.08
12.59
30.64
Net-margin (%) 26.45
RIVR's Net-margin (%) is ranked higher than
65% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.98 vs. RIVR: 26.45 )
Ranked among companies with meaningful Net-margin (%) only.
RIVR' s Net-margin (%) Range Over the Past 10 Years
Min: 11.9  Med: 19.65 Max: 23.41
Current: 26.45
11.9
23.41
ROE (%) 10.28
RIVR's ROE (%) is ranked higher than
65% of the 1546 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.24 vs. RIVR: 10.28 )
Ranked among companies with meaningful ROE (%) only.
RIVR' s ROE (%) Range Over the Past 10 Years
Min: 4.38  Med: 9.03 Max: 11.64
Current: 10.28
4.38
11.64
ROA (%) 1.12
RIVR's ROA (%) is ranked higher than
68% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. RIVR: 1.12 )
Ranked among companies with meaningful ROA (%) only.
RIVR' s ROA (%) Range Over the Past 10 Years
Min: 0.44  Med: 0.66 Max: 0.97
Current: 1.12
0.44
0.97
Revenue Growth (3Y)(%) 1.30
RIVR's Revenue Growth (3Y)(%) is ranked lower than
57% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.60 vs. RIVR: 1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RIVR' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 8.55 Max: 26.7
Current: 1.3
0
26.7
EBITDA Growth (3Y)(%) 29.30
RIVR's EBITDA Growth (3Y)(%) is ranked higher than
87% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. RIVR: 29.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RIVR' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.80 Max: 40.2
Current: 29.3
0
40.2
EPS Growth (3Y)(%) 33.30
RIVR's EPS Growth (3Y)(%) is ranked higher than
85% of the 1151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.30 vs. RIVR: 33.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RIVR' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -15.2  Med: 11.45 Max: 130.6
Current: 33.3
-15.2
130.6
» RIVR's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 14.87
RIVR's P/E(ttm) is ranked lower than
70% of the 2209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.47 vs. RIVR: 14.87 )
Ranked among companies with meaningful P/E(ttm) only.
RIVR' s P/E(ttm) Range Over the Past 10 Years
Min: 6.54  Med: 11.69 Max: 20.61
Current: 14.87
6.54
20.61
Forward P/E 6.40
RIVR's Forward P/E is ranked higher than
83% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.51 vs. RIVR: 6.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.97
RIVR's PE(NRI) is ranked lower than
66% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.35 vs. RIVR: 14.97 )
Ranked among companies with meaningful PE(NRI) only.
RIVR' s PE(NRI) Range Over the Past 10 Years
Min: 6.54  Med: 11.70 Max: 20.53
Current: 14.97
6.54
20.53
P/B 1.51
RIVR's P/B is ranked lower than
82% of the 2221 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.97 vs. RIVR: 1.51 )
Ranked among companies with meaningful P/B only.
RIVR' s P/B Range Over the Past 10 Years
Min: 0.6  Med: 1.01 Max: 1.67
Current: 1.51
0.6
1.67
P/S 3.84
RIVR's P/S is ranked lower than
79% of the 2389 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.51 vs. RIVR: 3.84 )
Ranked among companies with meaningful P/S only.
RIVR' s P/S Range Over the Past 10 Years
Min: 1.22  Med: 1.88 Max: 4.08
Current: 3.84
1.22
4.08
PFCF 9.26
RIVR's PFCF is ranked lower than
54% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. RIVR: 9.26 )
Ranked among companies with meaningful PFCF only.
RIVR' s PFCF Range Over the Past 10 Years
Min: 3.54  Med: 6.72 Max: 63.94
Current: 9.26
3.54
63.94
POCF 8.78
RIVR's POCF is ranked lower than
58% of the 1551 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.14 vs. RIVR: 8.78 )
Ranked among companies with meaningful POCF only.
RIVR' s POCF Range Over the Past 10 Years
Min: 3.39  Med: 6.00 Max: 30
Current: 8.78
3.39
30
EV-to-EBIT 16.37
RIVR's EV-to-EBIT is ranked lower than
65% of the 2133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. RIVR: 16.37 )
Ranked among companies with meaningful EV-to-EBIT only.
RIVR' s EV-to-EBIT Range Over the Past 10 Years
Min: 11.3  Med: 34.25 Max: 65.4
Current: 16.37
11.3
65.4
EV-to-EBITDA 14.77
RIVR's EV-to-EBITDA is ranked lower than
65% of the 2139 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.06 vs. RIVR: 14.77 )
Ranked among companies with meaningful EV-to-EBITDA only.
RIVR' s EV-to-EBITDA Range Over the Past 10 Years
Min: 10.1  Med: 27.40 Max: 47.4
Current: 14.77
10.1
47.4
PEG 0.69
RIVR's PEG is ranked higher than
62% of the 626 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. RIVR: 0.69 )
Ranked among companies with meaningful PEG only.
RIVR' s PEG Range Over the Past 10 Years
Min: 0.31  Med: 0.64 Max: 10.39
Current: 0.69
0.31
10.39
Shiller P/E 18.97
RIVR's Shiller P/E is ranked lower than
64% of the 635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.92 vs. RIVR: 18.97 )
Ranked among companies with meaningful Shiller P/E only.
RIVR' s Shiller P/E Range Over the Past 10 Years
Min: 6.94  Med: 11.35 Max: 20.24
Current: 18.97
6.94
20.24

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.75
RIVR's Dividend Yield is ranked lower than
56% of the 2363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. RIVR: 2.75 )
Ranked among companies with meaningful Dividend Yield only.
RIVR' s Dividend Yield Range Over the Past 10 Years
Min: 2.58  Med: 4.51 Max: 8.4
Current: 2.75
2.58
8.4
Dividend Payout 0.41
RIVR's Dividend Payout is ranked lower than
62% of the 1434 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. RIVR: 0.41 )
Ranked among companies with meaningful Dividend Payout only.
RIVR' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.42 Max: 1.62
Current: 0.41
0.13
1.62
Dividend Growth (3y) 2.30
RIVR's Dividend Growth (3y) is ranked lower than
65% of the 715 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.30 vs. RIVR: 2.30 )
Ranked among companies with meaningful Dividend Growth (3y) only.
RIVR' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 3.35 Max: 44.3
Current: 2.3
0
44.3
Forward Dividend Yield 2.75
RIVR's Forward Dividend Yield is ranked lower than
60% of the 2153 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.00 vs. RIVR: 2.75 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.89
RIVR's Yield on cost (5-Year) is ranked lower than
59% of the 2367 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.41 vs. RIVR: 2.89 )
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: 2.71  Med: 4.74 Max: 8.83
Current: 2.89
2.71
8.83
3-Year Average Share Buyback Ratio -9.70
RIVR's 3-Year Average Share Buyback Ratio is ranked lower than
77% of the 1056 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. RIVR: -9.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RIVR' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -9.7  Med: 0.70 Max: 0
Current: -9.7
-9.7
0

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.52
RIVR's Price/Tangible Book is ranked lower than
75% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. RIVR: 1.52 )
Ranked among companies with meaningful Price/Tangible Book only.
RIVR' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 1.02 Max: 2.12
Current: 1.52
0.58
2.12
Price/Projected FCF 0.88
RIVR's Price/Projected FCF is ranked lower than
71% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.64 vs. RIVR: 0.88 )
Ranked among companies with meaningful Price/Projected FCF only.
RIVR' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.33  Med: 0.55 Max: 1.01
Current: 0.88
0.33
1.01
Price/Median PS Value 2.04
RIVR's Price/Median PS Value is ranked lower than
95% of the 2020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. RIVR: 2.04 )
Ranked among companies with meaningful Price/Median PS Value only.
RIVR' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.68  Med: 1.13 Max: 2.46
Current: 2.04
0.68
2.46
Price/Peter Lynch Fair Value 0.83
RIVR's Price/Peter Lynch Fair Value is ranked lower than
51% of the 582 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. RIVR: 0.83 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RIVR' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.33  Med: 0.85 Max: 3
Current: 0.83
0.33
3
Price/Graham Number 0.99
RIVR's Price/Graham Number is ranked lower than
72% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.75 vs. RIVR: 0.99 )
Ranked among companies with meaningful Price/Graham Number only.
RIVR' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.67 Max: 1.31
Current: 0.99
0.43
1.31
Earnings Yield (Greenblatt) (%) 6.08
RIVR's Earnings Yield (Greenblatt) (%) is ranked lower than
58% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. RIVR: 6.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RIVR' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 2.90 Max: 8.8
Current: 6.08
1.5
8.8
Forward Rate of Return (Yacktman) (%) 28.11
RIVR's Forward Rate of Return (Yacktman) (%) is ranked higher than
74% of the 818 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.68 vs. RIVR: 28.11 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RIVR' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -1.5  Med: 10.80 Max: 40.5
Current: 28.11
-1.5
40.5

More Statistics

Revenue(Mil) $22
EPS $ 2.25
Beta1.49
Short Percentage of Float0.07%
52-Week Range $20.16 - 36.05
Shares Outstanding(Mil)2.51

Business Description

Industry: Banks » Banks - Regional - US
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.
» 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 

More From Other Websites
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