Switch to:

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 0.17
RIVR's Cash to Debt is ranked higher than
52% of the 1688 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. RIVR: 0.17 )
RIVR' s 10-Year Cash to Debt Range
Min: 0.08   Max: 41
Current: 0.17

0.08
41
Equity to Asset 0.10
RIVR's Equity to Asset is ranked higher than
73% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. RIVR: 0.10 )
RIVR' s 10-Year Equity to Asset Range
Min: 0.07   Max: 0.13
Current: 0.1

0.07
0.13
Interest Coverage 1.81
RIVR's Interest Coverage is ranked higher than
73% of the 2143 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. RIVR: 1.81 )
RIVR' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.81
Current: 1.81

0.06
1.81
F-Score: 6
Z-Score: 0.25
WACC vs ROIC
4.91%
5.94%
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
76% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.19 vs. RIVR: 31.91 )
RIVR' s 10-Year Operating margin (%) Range
Min: 6.45   Max: 41
Current: 31.91

6.45
41
Net-margin (%) 24.61
RIVR's Net-margin (%) is ranked higher than
78% of the 2333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.29 vs. RIVR: 24.61 )
RIVR' s 10-Year Net-margin (%) Range
Min: 3.23   Max: 25.05
Current: 24.61

3.23
25.05
ROE (%) 10.92
RIVR's ROE (%) is ranked higher than
82% of the 2336 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.96 vs. RIVR: 10.92 )
RIVR' s 10-Year ROE (%) Range
Min: 5.5   Max: 13.25
Current: 10.92

5.5
13.25
ROA (%) 1.04
RIVR's ROA (%) is ranked higher than
81% of the 2341 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. RIVR: 1.04 )
RIVR' s 10-Year ROA (%) Range
Min: 0.44   Max: 1.23
Current: 1.04

0.44
1.23
ROC (Joel Greenblatt) (%) 78.77
RIVR's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 2305 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 88.52 vs. RIVR: 78.77 )
RIVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 23.34   Max: 200
Current: 78.77

23.34
200
Revenue Growth (3Y)(%) 1.30
RIVR's Revenue Growth (3Y)(%) is ranked higher than
71% of the 1994 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. RIVR: 1.30 )
RIVR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 26.7
Current: 1.3

0
26.7
EBITDA Growth (3Y)(%) 29.30
RIVR's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1809 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. RIVR: 29.30 )
RIVR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 40.2
Current: 29.3

0
40.2
EPS Growth (3Y)(%) 33.20
RIVR's EPS Growth (3Y)(%) is ranked higher than
92% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. RIVR: 33.20 )
RIVR' s 10-Year EPS Growth (3Y)(%) Range
Min: -15.3   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

Insider Trades

Latest Guru Trades with RIVR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.20
RIVR's P/E(ttm) is ranked higher than
89% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.60 vs. RIVR: 10.20 )
RIVR' s 10-Year P/E(ttm) Range
Min: 6.54   Max: 20.61
Current: 10.2

6.54
20.61
Forward P/E 6.40
RIVR's Forward P/E is ranked higher than
96% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 6.40 )
N/A
PE(NRI) 10.30
RIVR's PE(NRI) is ranked higher than
90% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.30 vs. RIVR: 10.30 )
RIVR' s 10-Year PE(NRI) Range
Min: 6.54   Max: 20.53
Current: 10.3

6.54
20.53
P/B 1.10
RIVR's P/B is ranked higher than
75% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. RIVR: 1.10 )
RIVR' s 10-Year P/B Range
Min: 0.6   Max: 1.69
Current: 1.1

0.6
1.69
P/S 2.20
RIVR's P/S is ranked higher than
79% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.75 vs. RIVR: 2.20 )
RIVR' s 10-Year P/S Range
Min: 1.22   Max: 3.84
Current: 2.2

1.22
3.84
PFCF 7.20
RIVR's PFCF is ranked higher than
88% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 7.20 )
RIVR' s 10-Year PFCF Range
Min: 3.54   Max: 63.94
Current: 7.2

3.54
63.94
POCF 5.95
RIVR's POCF is ranked higher than
90% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 79.62 vs. RIVR: 5.95 )
RIVR' s 10-Year POCF Range
Min: 3.39   Max: 30
Current: 5.95

3.39
30
EV-to-EBIT 16.22
RIVR's EV-to-EBIT is ranked higher than
76% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.51 vs. RIVR: 16.22 )
RIVR' s 10-Year EV-to-EBIT Range
Min: 11.3   Max: 65.4
Current: 16.22

11.3
65.4
PEG 0.47
RIVR's PEG is ranked higher than
97% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 0.47 )
RIVR' s 10-Year PEG Range
Min: 0.31   Max: 10.39
Current: 0.47

0.31
10.39
Shiller P/E 12.80
RIVR's Shiller P/E is ranked higher than
93% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 12.80 )
RIVR' s 10-Year Shiller P/E Range
Min: 6.76   Max: 19
Current: 12.8

6.76
19
Days Sales Outstanding 41.50
RIVR's Days Sales Outstanding is ranked higher than
86% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 41.50 )
RIVR' s 10-Year Days Sales Outstanding Range
Min: 39.98   Max: 129.52
Current: 41.5

39.98
129.52

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.90
RIVR's Dividend Yield is ranked higher than
78% of the 2176 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. RIVR: 3.90 )
RIVR' s 10-Year Dividend Yield Range
Min: 2.57   Max: 8.4
Current: 3.9

2.57
8.4
Dividend Payout 0.41
RIVR's Dividend Payout is ranked higher than
74% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.67 vs. RIVR: 0.41 )
RIVR' s 10-Year Dividend Payout Range
Min: 0.11   Max: 0.9
Current: 0.41

0.11
0.9
Dividend growth (3y) 2.30
RIVR's Dividend growth (3y) is ranked higher than
69% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. RIVR: 2.30 )
RIVR' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 44.3
Current: 2.3

0
44.3
Yield on cost (5-Year) 4.10
RIVR's Yield on cost (5-Year) is ranked higher than
70% of the 2185 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.75 vs. RIVR: 4.10 )
RIVR' s 10-Year Yield on cost (5-Year) Range
Min: 2.7   Max: 8.83
Current: 4.1

2.7
8.83
Share Buyback Rate -9.70
RIVR's Share Buyback Rate is ranked higher than
58% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. RIVR: -9.70 )
RIVR' s 10-Year Share Buyback Rate Range
Min: 0   Max: -9.7
Current: -9.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
RIVR's Price/Tangible Book is ranked higher than
80% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. RIVR: 1.10 )
RIVR' s 10-Year Price/Tangible Book Range
Min: 0.49   Max: 2.11
Current: 1.1

0.49
2.11
Price/DCF (Projected) 0.70
RIVR's Price/DCF (Projected) is ranked higher than
86% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 0.70 )
RIVR' s 10-Year Price/DCF (Projected) Range
Min: 0.34   Max: 1.01
Current: 0.7

0.34
1.01
Price/Median PS Value 1.20
RIVR's Price/Median PS Value is ranked higher than
71% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. RIVR: 1.20 )
RIVR' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 2.47
Current: 1.2

0.72
2.47
Price/Peter Lynch Fair Value 0.50
RIVR's Price/Peter Lynch Fair Value is ranked higher than
98% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. RIVR: 0.50 )
RIVR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.38   Max: 3
Current: 0.5

0.38
3
Price/Graham Number 0.80
RIVR's Price/Graham Number is ranked higher than
84% of the 3110 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. RIVR: 0.80 )
RIVR' s 10-Year Price/Graham Number Range
Min: 0.48   Max: 2.69
Current: 0.8

0.48
2.69
Earnings Yield (Greenblatt) 6.20
RIVR's Earnings Yield (Greenblatt) is ranked higher than
67% of the 2321 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. RIVR: 6.20 )
RIVR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 8.8
Current: 6.2

1.5
8.8
Forward Rate of Return (Yacktman) 36.38
RIVR's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1295 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.15 vs. RIVR: 36.38 )
RIVR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -1.5   Max: 40.5
Current: 36.38

-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
Nasdaq stocks posting largest volume decreases Apr 27 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 Financials Mar 21 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
RIVER VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Aug 14 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Results of... Jul 15 2014
River Valley Bancorp Closes Underwriter’s Exercise of Over-Allotment Option for 121,390 Shares of... Jul 15 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Jul 01 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK