River Valley Bancorp (River Valley Bancorp) Debt-to-Equity : 0.92 (As of Sep. 2015)

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What is River Valley Bancorp Debt-to-Equity?

River Valley Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2015 was $0.00 Mil. River Valley Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Sep. 2015 was $50.97 Mil. River Valley Bancorp's Total Stockholders Equity for the quarter that ended in Sep. 2015 was $55.65 Mil. River Valley Bancorp's debt to equity for the quarter that ended in Sep. 2015 was 0.92.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for River Valley Bancorp's Debt-to-Equity or its related term are showing as below:

RIVR's Debt-to-Equity is not ranked ^*
in the Banks industry.
Industry Median: 0.67
* Ranked among companies with meaningful Debt-to-Equity only.

River Valley Bancorp Debt-to-Equity Historical Data

The historical data trend for River Valley Bancorp's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

River Valley Bancorp Debt-to-Equity Chart

River Valley Bancorp Annual Data

Trend

Dec06

Dec07

Dec08

Dec09

Dec10

Dec11

Dec12

Dec13

Dec14

Dec15

Debt-to-Equity

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1.98

1.40

1.44

0.96

0.90

River Valley Bancorp Quarterly Data
	Mar11	Jun11	Sep11	Dec11	Mar12	Jun12	Sep12	Dec12	Mar13	Jun13	Sep13	Dec13	Mar14	Jun14	Sep14	Dec14	Mar15	Jun15	Sep15	Dec15
Debt-to-Equity	Get a 7-Day Free Trial															0.96	1.08	1.03	0.92	0.90

Competitive Comparison of River Valley Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, River Valley Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

River Valley Bancorp's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, River Valley Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where River Valley Bancorp's Debt-to-Equity falls into.

River Valley Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

River Valley Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2014 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	50.717)	/	52.742
	=	0.96

River Valley Bancorp's Debt to Equity Ratio for the quarter that ended in Sep. 2015 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	50.967)	/	55.645
	=	0.92

River Valley Bancorp (NAS:RIVR) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

River Valley Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of River Valley Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

River Valley Bancorp (River Valley Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » River Valley Bancorp (NAS:RIVR) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

Website

http://www.rvfbank.com

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.

Executives

Lonnie D Collins

director, officer: Secretary

RIVER VALLEY BANCORP, 303 CLIFTY DR, MADISON IN 47250

River Valley Bancorp (River Valley Bancorp) Headlines

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