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River Valley Community BancorpRVCB 51 EV-to-OCF is 5.45 as of Aug. 11, 2026, which is 17% below its 10-year median of 6.56. GuruFocus rates RVCB with a GF Score™ of 51/100 and a GF Value™ of $17.27 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, River Valley Community Bancorp ranks worse than 55.1% on this metric.
The historical rank and industry rank for River Valley Community Bancorp's EV-to-OCF or its related term are showing as below:
RVCB'
s EV-to-OCF Range Over the Past 10 Years
Min: -8.04 Med: 6.56 Max: 22.4
Current: 5.45
During the past 10 years, the highest EV-to-OCF of River Valley Community Bancorp was 22.40. The lowest was -8.04. And the median was 6.56.
RVCB's EV-to-OCF is ranked worse than 55.1% of 1499
companies
in the Banks industry
Industry Median: 4
vs RVCB: 5.45
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
River Valley Community Bancorp (OTCPK:RVCB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
River Valley Community Bancorp's PE Ratio (TTM) for today is calculated as:
River Valley Community Bancorp's share price for today is $24.65.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. River Valley Community Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $1.370.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
River Valley Community Bancorp EV-to-OCF Related Terms
River Valley Community Bancorp EV-to-OCF 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.
For the Banks - Regional subindustry, River Valley Community Bancorp's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's EV-to-OCF falls into.
River Valley Community Bancorp's current Enterprise Value is $23.44 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. River Valley Community Bancorp's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $4.30 Mil.
* 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 EV-to-OCF of 5.45 as of Aug. 11, 2026. This is 17% below median its historical median of 6.56. According to the industry distribution chart, River Valley Community Bancorp ranks #826 out of 1499 companies in the Banks industry, placing it in the top 55.1%.
Is River Valley Community Bancorp's EV-to-OCF too high?
River Valley Community Bancorp's current EV-to-OCF of 5.45 is 17% below median its 10-year median of 6.56. The Banks industry median EV-to-OCF is 4.00. River Valley Community Bancorp's value of 5.45 is 36.3% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #826 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, River Valley Community Bancorp has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's EV-to-OCF compare to OPHC and FRSB?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #826 out of 1499 companies for EV-to-OCF. This places River Valley Community Bancorp in the lower half of its industry. The industry median EV-to-OCF is 4.00. River Valley Community Bancorp's value of 5.45 is 36.3% above this benchmark. While the company's 10-year median is 6.56 vs. the industry median of 4.00, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 4.00, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current EV-to-OCF of 5.45 is 36.3% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 4.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current EV-to-OCF is 5.45, which is 17% below median its own 10-year median of 6.56. 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 $17.27, compared to a current price of $24.65 — trading 42.7% above its estimated fair value. The current EV-to-OCF is 5.45, which is 17% below median its 10-year median of 6.56 and 36.3% above the Banks industry median of 4.00. River Valley Community Bancorp's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current EV-to-OCF is 5.45 as of Aug. 11, 2026. 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 $24.65 is trading 42.7% above its estimated GF Value™ of $17.27.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
EV-to-OCF: 5.45 (17% below median its 10-year median of 6.56)
GF Value™: $17.27 vs. price of $24.65 (42.7% above fair value)
Industry Position: 36.3% above the Banks median (#826 of 1499)
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.
51GF Score
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