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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

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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

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» RIVR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US  
Compare:NAS:MFNC, NAS:SVBI, OTCBB:CSBB, OTCPK:SCZC, OTCPK:HARL, NAS:WBB, OTCPK:CMTV, NAS:GFED, NAS:BYBK, OTCPK:EMPK, NAS:PLBC, OTCPK:BCML, NAS:CWBC, OTCPK:FMBM, OTCPK:BNCC, OTCPK:CLDB, OTCBB:JUVF, NAS:RNDB, NAS:SBFG, OTCPK:FMBJ » details
Headquarter Location:USA
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 higher than
50% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 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: 0
Current: 2.68
Dividend Payout Ratio 0.41
RIVR's Dividend Payout Ratio is ranked lower than
64% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. RIVR: 0.41 )
Ranked among companies with meaningful Dividend Payout Ratio only.
RIVR' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 0.41
Forward Dividend Yield % 2.68
RIVR's Forward Dividend Yield % is ranked lower than
55% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. RIVR: 2.68 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 2.68
RIVR's 5-Year Yield-on-Cost % is ranked lower than
60% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. RIVR: 2.68 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
RIVR' s 5-Year Yield-on-Cost % 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

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