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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 0.37
RIVR's Cash to Debt is ranked higher than
60% of the 1259 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. RIVR: 0.37 )
RIVR' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.37

Equity to Asset 0.08
RIVR's Equity to Asset is ranked higher than
60% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. RIVR: 0.08 )
RIVR' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.08

0.06
0.14
Interest Coverage 1.42
RIVR's Interest Coverage is ranked higher than
69% of the 1447 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. RIVR: 1.42 )
RIVR' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.42
Current: 1.42

0.06
1.42
F-Score: 4
Z-Score: 0.17
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 : 8/10

vs
industry
vs
history
Operating margin (%) 29.66
RIVR's Operating margin (%) is ranked higher than
75% of the 1594 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.40 vs. RIVR: 29.66 )
RIVR' s 10-Year Operating margin (%) Range
Min: 6.45   Max: 41
Current: 29.66

6.45
41
Net-margin (%) 22.33
RIVR's Net-margin (%) is ranked higher than
76% of the 1613 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.45 vs. RIVR: 22.33 )
RIVR' s 10-Year Net-margin (%) Range
Min: 3.23   Max: 25.05
Current: 22.33

3.23
25.05
ROE (%) 12.88
RIVR's ROE (%) is ranked higher than
91% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.13 vs. RIVR: 12.88 )
RIVR' s 10-Year ROE (%) Range
Min: 0.6   Max: 12.88
Current: 12.88

0.6
12.88
ROA (%) 0.92
RIVR's ROA (%) is ranked higher than
80% of the 1616 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. RIVR: 0.92 )
RIVR' s 10-Year ROA (%) Range
Min: 0.07   Max: 1.14
Current: 0.92

0.07
1.14
ROC (Joel Greenblatt) (%) 54.74
RIVR's ROC (Joel Greenblatt) (%) is ranked higher than
69% of the 1569 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.85 vs. RIVR: 54.74 )
RIVR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 9.52   Max: 105
Current: 54.74

9.52
105
Revenue Growth (%) 8.90
RIVR's Revenue Growth (%) is ranked higher than
90% of the 1443 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. RIVR: 8.90 )
RIVR' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 26.7
Current: 8.9

0
26.7
EBITDA Growth (%) 25.00
RIVR's EBITDA Growth (%) is ranked higher than
90% of the 1280 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. RIVR: 25.00 )
RIVR' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 40.2
Current: 25

0
40.2
EPS Growth (%) 27.30
RIVR's EPS Growth (%) is ranked higher than
90% of the 1283 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.90 vs. RIVR: 27.30 )
RIVR' s 10-Year EPS Growth (%) Range
Min: -15.3   Max: 135.1
Current: 27.3

-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%)



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Ratios

vs
industry
vs
history
P/E(ttm) 8.10
RIVR's P/E(ttm) is ranked higher than
93% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. RIVR: 8.10 )
RIVR' s 10-Year P/E(ttm) Range
Min: 6.54   Max: 20.61
Current: 8.1

6.54
20.61
P/B 1.10
RIVR's P/B is ranked higher than
76% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. RIVR: 1.10 )
RIVR' s 10-Year P/B Range
Min: 0.6   Max: 2.17
Current: 1.1

0.6
2.17
P/S 1.70
RIVR's P/S is ranked higher than
89% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.10 vs. RIVR: 1.70 )
RIVR' s 10-Year P/S Range
Min: 1.22   Max: 4.73
Current: 1.7

1.22
4.73
PFCF 5.50
RIVR's PFCF is ranked higher than
86% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 26.04 vs. RIVR: 5.50 )
RIVR' s 10-Year PFCF Range
Min: 3.75   Max: 53.57
Current: 5.5

3.75
53.57
EV-to-EBIT 11.13
RIVR's EV-to-EBIT is ranked higher than
85% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.36 vs. RIVR: 11.13 )
RIVR' s 10-Year EV-to-EBIT Range
Min: 11.1   Max: 65.4
Current: 11.13

11.1
65.4
PEG 0.30
RIVR's PEG is ranked higher than
97% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.50 vs. RIVR: 0.30 )
RIVR' s 10-Year PEG Range
Min: 0.3   Max: 10.39
Current: 0.3

0.3
10.39
Shiller P/E 12.20
RIVR's Shiller P/E is ranked higher than
94% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 98.15 vs. RIVR: 12.20 )
RIVR' s 10-Year Shiller P/E Range
Min: 6.76   Max: 27.01
Current: 12.2

6.76
27.01

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.00
RIVR's Dividend Yield is ranked higher than
78% of the 1405 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.43 vs. RIVR: 4.00 )
RIVR' s 10-Year Dividend Yield Range
Min: 1.69   Max: 8.4
Current: 4

1.69
8.4
Dividend Payout 0.31
RIVR's Dividend Payout is ranked higher than
88% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. RIVR: 0.31 )
RIVR' s 10-Year Dividend Payout Range
Min: 0.13   Max: 1.62
Current: 0.31

0.13
1.62
Yield on cost (5-Year) 4.00
RIVR's Yield on cost (5-Year) is ranked higher than
67% of the 1367 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.63 vs. RIVR: 4.00 )
RIVR' s 10-Year Yield on cost (5-Year) Range
Min: 1.69   Max: 8.4
Current: 4

1.69
8.4
Share Buyback Rate -0.40
RIVR's Share Buyback Rate is ranked higher than
82% of the 1242 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.90 vs. RIVR: -0.40 )
RIVR' s 10-Year Share Buyback Rate Range
Min: 0   Max: -0.7
Current: -0.4

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.10
RIVR's Price/Tangible Book is ranked higher than
79% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.35 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) 0.40
RIVR's Price/DCF (Projected) is ranked higher than
93% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.48 vs. RIVR: 0.40 )
RIVR' s 10-Year Price/DCF (Projected) Range
Min: 0.29   Max: 0.84
Current: 0.4

0.29
0.84
Price/Median PS Value 0.80
RIVR's Price/Median PS Value is ranked higher than
91% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.11 vs. RIVR: 0.80 )
RIVR' s 10-Year Price/Median PS Value Range
Min: 0.65   Max: 2.34
Current: 0.8

0.65
2.34
Price/Peter Lynch Fair Value 0.30
RIVR's Price/Peter Lynch Fair Value is ranked higher than
99% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9999.00 vs. RIVR: 0.30 )
RIVR' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.33   Max: 3
Current: 0.3

0.33
3
Price/Graham Number 0.60
RIVR's Price/Graham Number is ranked higher than
91% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.05 vs. RIVR: 0.60 )
RIVR' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 1.31
Current: 0.6

0.43
1.31
Earnings Yield (Greenblatt) 9.00
RIVR's Earnings Yield (Greenblatt) is ranked higher than
80% of the 1588 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. RIVR: 9.00 )
RIVR' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 9.1
Current: 9

1.5
9.1
Forward Rate of Return (Yacktman) 37.83
RIVR's Forward Rate of Return (Yacktman) is ranked higher than
89% of the 1260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.98 vs. RIVR: 37.83 )
RIVR' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.8   Max: 40.2
Current: 37.83

0.8
40.2

Business Description

Industry: Banks » Savings & Cooperative Banks
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 significant business segment, conducts operations from its 12 full-service office locations in Clark, Floyd, Jackson, Jennings and Jefferson Counties, Indiana, and Carroll County, Kentucky, and offers a variety of deposit and lending services to consumer and commercial customers. 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 Files SEC form 8-K, Entry into a Material Definitive Agreement, Results of... Jul 15 2014
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RIVER VALLEY BANCORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events,... Jul 01 2014
River Valley Bancorp 825K share Secondary priced at $20.50 Jul 01 2014
RIVER VALLEY BANCORP Financials May 23 2014
RIVER VALLEY BANCORP Files SEC form 10-Q, Quarterly Report May 15 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Change in Directors or Principal Officers, Submission of... Apr 17 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Apr 16 2014
River Valley Bancorp Announces Increased Earnings for the Quarter Ended March 31, 2014 Apr 15 2014
River Valley Bancorp Announces Quarterly Cash Dividend Mar 18 2014
RIVER VALLEY BANCORP Files SEC form 10-K, Annual Report Mar 18 2014
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition Jan 22 2014
River Valley Bancorp Announces Record Results For the Year Ended December 31, 2013 Jan 21 2014
River Valley Bancorp Announces Quarterly Cash Dividend Dec 10 2013
RIVER VALLEY BANCORP Files SEC form 8-K, Other Events, Financial Statements and Exhibits Nov 22 2013
River Valley Financial Bank Completes Branch Purchase Nov 22 2013
River Valley Bancorp Announces “Special” Cash Dividend Nov 19 2013
RIVER VALLEY BANCORP Files SEC form 10-Q, Quarterly Report Nov 14 2013
RIVER VALLEY BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 16 2013
River Valley Bancorp Announces 34% Improvement in Earnings For the Quarter Ended September 30, 2013 Oct 15 2013

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