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What is River Valley Community Bancorp Cash-to-Debt?
River Valley Community BancorpRVCB -2.83%48 Cash-to-Debt is 2.77 as of Dec. 2025, which is 100% below its 10-year median of 10,000.00. GuruFocus rates RVCB with a GF Score™ of 48/100 and a GF Value™ of $17.25 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,494 Banks companies, River Valley Community Bancorp ranks better than 65.86% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. River Valley Community Bancorp's cash to debt ratio for the quarter that ended in Dec. 2025 was 2.77.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, River Valley Community Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for River Valley Community Bancorp's Cash-to-Debt or its related term are showing as below:
RVCB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.59 Med: No Debt Max: No Debt
Current: 2.77
During the past 10 years, River Valley Community Bancorp's highest Cash to Debt Ratio was No Debt. The lowest was 0.59. And the median was No Debt.
RVCB's Cash-to-Debt is ranked better than 65.86% of 1494
companies
in the Banks industry
Industry Median: 1.375
vs RVCB: 2.77
River Valley Community Bancorp (OTCPK:RVCB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
River Valley Community Bancorp Cash-to-Debt Related Terms
River Valley Community Bancorp Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, River Valley Community Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Cash-to-Debt 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 Cash-to-Debt of 2.77 as of Dec. 2025. This is 100% below median its historical median of 10,000.00. Over the past decade, River Valley Community Bancorp's Cash-to-Debt has ranged from 0.59 to 10,000.00. According to the industry distribution chart, River Valley Community Bancorp ranks #510 out of 1494 companies in the Banks industry, placing it in the top 34.1%.
Is River Valley Community Bancorp's Cash-to-Debt too high?
River Valley Community Bancorp's current Cash-to-Debt of 2.77 is 100% below median its 10-year median of 10,000.00. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. River Valley Community Bancorp's value of 2.77 is 101.5% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #510 out of 1494 companies in the Banks industry, which is above the industry midpoint. Overall, River Valley Community Bancorp has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's Cash-to-Debt compare to OPHC and FRSB?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #510 out of 1494 companies for Cash-to-Debt. This puts River Valley Community Bancorp in the upper half of its industry. The industry median Cash-to-Debt is 1.38. River Valley Community Bancorp's value of 2.77 is 101.5% above this benchmark. Historically, River Valley Community Bancorp's own Cash-to-Debt has ranged from 0.59 to 10,000.00 over the past decade. While the company's 10-year median is 10,000.00 vs. the industry median of 1.38, River Valley Community Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Cash-to-Debt of 2.77 is 101.5% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Cash-to-Debt is 2.77, which is 100% below median its own 10-year median of 10,000.00. 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 $17.25, compared to a current price of $24.00 — trading 39.1% above its estimated fair value. The current Cash-to-Debt is 2.77, which is 100% below median its 10-year median of 10,000.00 and 101.5% above the Banks industry median of 1.38. River Valley Community Bancorp's overall GF Score™ is 48/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Cash-to-Debt is 2.77 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 39.1% above its estimated GF Value™ of $17.25.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
Cash-to-Debt: 2.77 (100% below median its 10-year median of 10,000.00)
GF Value™: $17.25 vs. price of $24.00 (39.1% above fair value)
Industry Position: 101.5% above the Banks median (#510 of 1494)
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.
48GF Score
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