During the past 12 months, River Valley Community Bancorp's average Book Value Per Share Growth Rate was 15.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of River Valley Community Bancorp was 38.30% per year. The lowest was -2.40% per year. And the median was 17.20% per year.
During the past 10 years, the highest P/B Ratio of River Valley Community Bancorp was 2.11. The lowest was 1.02. And the median was 1.47.
Good Sign:
River Valley Community Bancorp stock PB Ratio (=1.25) is close to 5-year low of 1.22.
River Valley Community Bancorp (OTCPK:RVCB) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
River Valley Community Bancorp Book Value per Share Related Terms
River Valley Community Bancorp Book Value per Share Historical Data
* 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.
River Valley Community Bancorp Book Value per Share Chart
RVCB vs FBSI, CZNL, SVBT: Book Value per Share Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's PB Ratio, along with its competitors' market caps and PB Ratio 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 Community Bancorp PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's PB Ratio falls into.
* 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.
River Valley Community Bancorp (RVCB) has a Book Value per Share of $19.13 as of Dec. 2025. Book value per share gives the per-share value of a company's stockholder equity. View historical data on River Valley Community Bancorp and its competitors.
Is River Valley Community Bancorp's Book Value per Share too high?
River Valley Community Bancorp's current Book Value per Share is $19.13. Overall, River Valley Community Bancorp has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's Book Value per Share compare to FBSI and CZNL?
River Valley Community Bancorp's Book Value per Share of $19.13 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on River Valley Community Bancorp and its competitors. River Valley Community Bancorp's current Book Value per Share is $19.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is River Valley Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, River Valley Community Bancorp (RVCB) is currently considered Significantly Overvalued. The stock's GF Value™ is $17.42, compared to a current price of $23.75 — trading 36.3% above its estimated fair value. The current Book Value per Share is $19.13. River Valley Community Bancorp's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Book Value per Share is $19.13 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is River Valley Community Bancorp (RVCB) Overvalued in 2026?
Based on GuruFocus' analysis, River Valley Community Bancorp stock appears to be overvalued.
The current stock price of $23.75 is trading 36.3% above its estimated GF Value™ of $17.42.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
Book Value per Share: $19.13
GF Value™: $17.42 vs. price of $23.75 (36.3% above fair value)
No single metric tells the full story. See the RVCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
River Valley Community Bancorp Business Description
River Valley Community Bancorp is a bank holding company based in the United States. Along with its banking subsidiary, it provides financial products and services to small to middle-market businesses and professionals located in Sutter, Yuba, Nevada, Placer, Washoe, and surrounding counties. Its portfolio of financial solutions includes business checking accounts, business savings accounts, loans and lines of credit, personal savings accounts, credit cards, online and mobile banking services, certificate of deposits, etc. These services and products are offered through a network of branches across Yuba City, Grass Valley, Auburn, Marysville, and Roseville, California. The company also operates a loan production office in Reno, Nevada.
44GF Score
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