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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 0.21
RIVR's Cash to Debt is ranked lower than
83% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. RIVR: 0.21 )
Ranked among companies with meaningful Cash to Debt only.
RIVR' s 10-Year Cash to Debt Range
Min: 0.06  Med: 0.23 Max: No Debt
Current: 0.21
Equity to Asset 0.11
RIVR's Equity to Asset is ranked higher than
60% of the 1290 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 10-Year Equity to Asset Range
Min: 0.06  Med: 0.08 Max: 0.14
Current: 0.11
0.06
0.14
Interest Coverage 1.81
RIVR's Interest Coverage is ranked higher than
52% of the 1205 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. RIVR: 1.81 )
Ranked among companies with meaningful Interest Coverage only.
RIVR' s 10-Year Interest Coverage Range
Min: 0.06  Med: 0.42 Max: 1.81
Current: 1.81
0.06
1.81
F-Score: 5
WACC vs ROIC
5.63%
6.11%
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 (%) 31.91
RIVR's Operating margin (%) is ranked higher than
56% of the 1357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.54 vs. RIVR: 31.91 )
Ranked among companies with meaningful Operating margin (%) only.
RIVR' s 10-Year Operating margin (%) Range
Min: 6.45  Med: 30.00 Max: 41
Current: 31.91
6.45
41
Net-margin (%) 24.61
RIVR's Net-margin (%) is ranked higher than
61% of the 1356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.24 vs. RIVR: 24.61 )
Ranked among companies with meaningful Net-margin (%) only.
RIVR' s 10-Year Net-margin (%) Range
Min: 3.23  Med: 20.00 Max: 25.05
Current: 24.61
3.23
25.05
ROE (%) 10.92
RIVR's ROE (%) is ranked higher than
70% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.13 vs. RIVR: 10.92 )
Ranked among companies with meaningful ROE (%) only.
RIVR' s 10-Year ROE (%) Range
Min: 5.5  Med: 9.32 Max: 13.25
Current: 10.92
5.5
13.25
ROA (%) 1.04
RIVR's ROA (%) is ranked higher than
67% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RIVR: 1.04 )
Ranked among companies with meaningful ROA (%) only.
RIVR' s 10-Year ROA (%) Range
Min: 0.44  Med: 0.89 Max: 1.23
Current: 1.04
0.44
1.23
ROC (Joel Greenblatt) (%) 67.11
RIVR's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1348 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 74.52 vs. RIVR: 67.11 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RIVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.34  Med: 56.68 Max: 200
Current: 67.11
23.34
200
Revenue Growth (3Y)(%) 1.30
RIVR's Revenue Growth (3Y)(%) is ranked lower than
53% of the 1149 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. RIVR: 1.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RIVR' s 10-Year Revenue Growth (3Y)(%) Range
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
88% of the 1011 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.10 vs. RIVR: 29.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RIVR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: 2.80 Max: 40.2
Current: 29.3
0
40.2
EPS Growth (3Y)(%) 33.20
RIVR's EPS Growth (3Y)(%) is ranked higher than
85% of the 1020 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. RIVR: 33.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RIVR' s 10-Year EPS Growth (3Y)(%) Range
Min: -15.3  Med: 11.60 Max: 135.1
Current: 33.2
-15.3
135.1
» 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) 10.47
RIVR's P/E(ttm) is ranked higher than
73% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RIVR: 10.47 )
Ranked among companies with meaningful P/E(ttm) only.
RIVR' s 10-Year P/E(ttm) Range
Min: 6.54  Med: 12.00 Max: 20.61
Current: 10.47
6.54
20.61
Forward P/E 6.40
RIVR's Forward P/E is ranked higher than
90% of the 750 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. RIVR: 6.40 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.50
RIVR's PE(NRI) is ranked higher than
74% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RIVR: 10.50 )
Ranked among companies with meaningful PE(NRI) only.
RIVR' s 10-Year PE(NRI) Range
Min: 6.54  Med: 12.00 Max: 20.53
Current: 10.5
6.54
20.53
P/B 1.07
RIVR's P/B is ranked higher than
54% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. RIVR: 1.07 )
Ranked among companies with meaningful P/B only.
RIVR' s 10-Year P/B Range
Min: 0.6  Med: 1.02 Max: 1.69
Current: 1.07
0.6
1.69
P/S 2.47
RIVR's P/S is ranked higher than
64% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.99 vs. RIVR: 2.47 )
Ranked among companies with meaningful P/S only.
RIVR' s 10-Year P/S Range
Min: 1.22  Med: 1.86 Max: 3.84
Current: 2.47
1.22
3.84
PFCF 8.23
RIVR's PFCF is ranked higher than
61% of the 825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. RIVR: 8.23 )
Ranked among companies with meaningful PFCF only.
RIVR' s 10-Year PFCF Range
Min: 3.54  Med: 6.75 Max: 63.94
Current: 8.23
3.54
63.94
POCF 6.85
RIVR's POCF is ranked higher than
64% of the 930 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.17 vs. RIVR: 6.85 )
Ranked among companies with meaningful POCF only.
RIVR' s 10-Year POCF Range
Min: 3.39  Med: 6.00 Max: 30
Current: 6.85
3.39
30
EV-to-EBIT 15.63
RIVR's EV-to-EBIT is ranked lower than
56% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.30 vs. RIVR: 15.63 )
Ranked among companies with meaningful EV-to-EBIT only.
RIVR' s 10-Year EV-to-EBIT Range
Min: 11.3  Med: 34.25 Max: 65.4
Current: 15.63
11.3
65.4
PEG 0.48
RIVR's PEG is ranked higher than
83% of the 542 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. RIVR: 0.48 )
Ranked among companies with meaningful PEG only.
RIVR' s 10-Year PEG Range
Min: 0.31  Med: 0.79 Max: 10.39
Current: 0.48
0.31
10.39
Shiller P/E 12.41
RIVR's Shiller P/E is ranked higher than
75% of the 771 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.62 vs. RIVR: 12.41 )
Ranked among companies with meaningful Shiller P/E only.
RIVR' s 10-Year Shiller P/E Range
Min: 6.71  Med: 11.82 Max: 19
Current: 12.41
6.71
19
Days Sales Outstanding 38.55
RIVR's Days Sales Outstanding is ranked lower than
55% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 35.19 vs. RIVR: 38.55 )
Ranked among companies with meaningful Days Sales Outstanding only.
RIVR' s 10-Year Days Sales Outstanding Range
Min: 39.98  Med: 60.83 Max: 129.52
Current: 38.55
39.98
129.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.97
RIVR's Dividend Yield is ranked higher than
75% of the 2112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.57 vs. RIVR: 3.97 )
Ranked among companies with meaningful Dividend Yield only.
RIVR' s 10-Year Dividend Yield Range
Min: 2.59  Med: 4.53 Max: 8.4
Current: 3.97
2.59
8.4
Dividend Payout 0.42
RIVR's Dividend Payout is ranked lower than
64% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.24 vs. RIVR: 0.42 )
Ranked among companies with meaningful Dividend Payout only.
RIVR' s 10-Year Dividend Payout Range
Min: 0.13  Med: 0.42 Max: 1.62
Current: 0.42
0.13
1.62
Dividend growth (3y) 2.30
RIVR's Dividend growth (3y) is ranked lower than
68% of the 640 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. RIVR: 2.30 )
Ranked among companies with meaningful Dividend growth (3y) only.
RIVR' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 3.35 Max: 44.3
Current: 2.3
0
44.3
Yield on cost (5-Year) 4.17
RIVR's Yield on cost (5-Year) is ranked higher than
69% of the 2110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.91 vs. RIVR: 4.17 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RIVR' s 10-Year Yield on cost (5-Year) Range
Min: 2.72  Med: 4.76 Max: 8.83
Current: 4.17
2.72
8.83
Share Buyback Rate -9.70
RIVR's Share Buyback Rate is ranked lower than
78% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. RIVR: -9.70 )
Ranked among companies with meaningful Share Buyback Rate only.
RIVR' s 10-Year Share Buyback Rate Range
Min: 0  Med: 0.70 Max: -9.7
Current: -9.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.08
RIVR's Price/Tangible Book is ranked higher than
58% of the 1331 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. RIVR: 1.08 )
Ranked among companies with meaningful Price/Tangible Book only.
RIVR' s 10-Year Price/Tangible Book Range
Min: 0.58  Med: 1.02 Max: 2.11
Current: 1.08
0.58
2.11
Price/Projected FCF 0.63
RIVR's Price/Projected FCF is ranked higher than
56% of the 775 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.68 vs. RIVR: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
RIVR' s 10-Year Price/Projected FCF Range
Min: 0.33  Med: 0.55 Max: 1.01
Current: 0.63
0.33
1.01
Price/Median PS Value 1.29
RIVR's Price/Median PS Value is ranked lower than
71% of the 1286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. RIVR: 1.29 )
Ranked among companies with meaningful Price/Median PS Value only.
RIVR' s 10-Year Price/Median PS Value Range
Min: 0.69  Med: 1.14 Max: 2.49
Current: 1.29
0.69
2.49
Price/Peter Lynch Fair Value 0.53
RIVR's Price/Peter Lynch Fair Value is ranked higher than
83% of the 357 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.99 vs. RIVR: 0.53 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
RIVR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.33  Med: 0.87 Max: 3
Current: 0.53
0.33
3
Price/Graham Number 0.74
RIVR's Price/Graham Number is ranked higher than
67% of the 1154 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. RIVR: 0.74 )
Ranked among companies with meaningful Price/Graham Number only.
RIVR' s 10-Year Price/Graham Number Range
Min: 0.43  Med: 0.69 Max: 1.31
Current: 0.74
0.43
1.31
Earnings Yield (Greenblatt) (%) 6.40
RIVR's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RIVR: 6.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RIVR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.5  Med: 2.90 Max: 8.8
Current: 6.4
1.5
8.8
Forward Rate of Return (Yacktman) (%) 33.95
RIVR's Forward Rate of Return (Yacktman) (%) is ranked higher than
81% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. RIVR: 33.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RIVR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -1.5  Med: 10.80 Max: 40.5
Current: 33.95
-1.5
40.5

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 
River Valley Bancorp Announces Higher Earnings for the Fourth Quarter And for the Fiscal Year Ended Jan 20 2009 
River Valley Bancorp Announces Quarterly Cash Dividend Dec 16 2008 

More From Other Websites
River Valley Bancorp Announces Quarterly Cash Dividend Jun 16 2015
RIVER VALLEY BANCORP Financials May 22 2015
10-Q for River Valley Bancorp (Indiana) May 16 2015
RIVER VALLEY BANCORP Files SEC form 10-Q, Quarterly Report May 14 2015
10-K for River Valley Bancorp (Indiana) May 06 2015
Nasdaq stocks posting largest volume decreases Apr 29 2015
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Submission... Apr 17 2015
River Valley Bancorp Announces Improvement in Earnings for the Quarter Ended March 31, 2015 Apr 14 2015
River Valley Bancorp Announces Quarterly Cash Dividend Mar 17 2015
RIVER VALLEY BANCORP Files SEC form 10-K, Annual Report Mar 12 2015
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 21 2015
River Valley Bancorp Announces Record Results For the Year Ended December 31, 2014 Jan 20 2015
RIVER VALLEY BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 19 2014
River Valley Bancorp Announces Quarterly Cash Dividend Dec 16 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 15 2014
River Valley Bancorp Announces Redemption of Preferred Stock Dec 15 2014
RIVER VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Nov 14 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Oct 22 2014
River Valley Bancorp Announces Earnings for the Quarter Ended September 30, 2014 Oct 21 2014
River Valley Bancorp Announces Quarterly Cash Dividend Sep 16 2014

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