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River Valley Community Bancorp's operating cash flow per share for the
six
months ended in Dec. 2025 was $0.99.
River Valley Community Bancorp's operating cash flow per share for the trailing twelve months (TTM) ended in Dec. 2025 was $0.99.
During the past 12 months, the average Operating Cash Flow per Share Growth Rate of River Valley Community Bancorp was -46.80% per year.
During the past 3 years, the average Operating Cash Flow per Share Growth Rate was -27.50% per year.
During the past 5 years, the average Operating Cash Flow per Share Growth Rate was -5.90% 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 OCF Growth Rate using Operating Cash Flow per Share data.
The historical rank and industry rank for River Valley Community Bancorp's Operating Cash Flow per Share or its related term are showing as below:
RVCB'
s 3-Year OCF Growth Rate Range Over the Past 10 Years
Min: -27.5 Med: 3.1 Max: 22.8
Current: -27.5
During the past 10 years, River Valley Community Bancorp's highest 3-Year average Operating Cash Flow per Share Growth Rate was 22.80% per year. The lowest was -27.50% per year. And the median was 3.10% per year.
RVCB's 3-Year OCF Growth Rate is ranked worse than 83.15% of 1068
companies
in the Banks industry
Industry Median: 0.4
vs RVCB: -27.50
* 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 Operating Cash Flow per Share Chart
RVCB vs MVLY, HFBL, LFGP: Operating Cash Flow per Share Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's Price-to-Operating-Cash-Flow, along with its competitors' market caps and Price-to-Operating-Cash-Flow 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 Price-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Price-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Price-to-Operating-Cash-Flow falls into.
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Operating Cash Flow per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $0.99
* 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.
What does a Operating Cash Flow per Share of $0.99 mean?
River Valley Community Bancorp (RVCB) has a Operating Cash Flow per Share of $0.99 as of Dec. 2025. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on River Valley Community Bancorp and its competitors. According to the industry distribution chart, River Valley Community Bancorp ranks #888 out of 1068 companies in the Banks industry, placing it in the top 83.1%.
Is River Valley Community Bancorp's Operating Cash Flow per Share too high?
River Valley Community Bancorp's current Operating Cash Flow per Share is $0.99. The Banks industry median Operating Cash Flow per Share is 0.40. River Valley Community Bancorp's value of $0.99 is 147.5% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #888 out of 1068 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, River Valley Community Bancorp has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's Operating Cash Flow per Share compare to MVLY and HFBL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #888 out of 1068 companies for Operating Cash Flow per Share. This places River Valley Community Bancorp in the lower half of its industry. The industry median Operating Cash Flow per Share is 0.40. River Valley Community Bancorp's value of $0.99 is 147.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Operating Cash Flow per Share for a Banks company?
The median Operating Cash Flow per Share among Banks companies is 0.40, based on 1,068 companies in the industry. Companies in the top quartile (top 25%) have a Operating Cash Flow per Share significantly above this median, while those in the bottom quartile fall well below. However, Operating Cash Flow per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Operating Cash Flow per Share of $0.99 is 147.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Operating Cash Flow per Share mean?
A high Operating Cash Flow per Share can signal that a stock is expensive relative to its fundamentals. Operating cash flow per share equals the per-share amount of cash flow from operations. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Operating Cash Flow per Share is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Operating Cash Flow per Share is $0.99. 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 $17.17, compared to a current price of $24.00 — trading 39.8% above its estimated fair value. The current Operating Cash Flow per Share is $0.99 and 147.5% above the Banks industry median of 0.40. River Valley Community Bancorp's overall GF Score™ is 53/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Cash Flow per Share calculated?
Operating Cash Flow per Share is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Operating Cash Flow per Share is $0.99 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 $24.00 is trading 39.8% above its estimated GF Value™ of $17.17.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
Operating Cash Flow per Share: $0.99
GF Value™: $17.17 vs. price of $24.00 (39.8% above fair value)
Industry Position: 147.5% above the Banks median (#888 of 1068)
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 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.
53GF Score
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Operating Cash Flow per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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