What is River Valley Community Bancorp FCF Margin %?
River Valley Community BancorpRVCB 48 FCF Margin % is 15.98% as of Dec. 2025, which is 42% below its 10-year median of 27.38. GuruFocus rates RVCB with a GF Score™ of 48/100 and a GF Value™ of $17.44 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,505 Banks companies, River Valley Community Bancorp ranks worse than 62.33% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's FCF Margin % 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 FCF Margin % of 15.98% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River Valley Community Bancorp and its competitors. This is 42% below median its historical median of 27.38. Over the past decade, River Valley Community Bancorp's FCF Margin % has ranged from 11.41 to 42.10. According to the industry distribution chart, River Valley Community Bancorp ranks #938 out of 1505 companies in the Banks industry, placing it in the top 62.3%.
Is River Valley Community Bancorp's FCF Margin % too high?
River Valley Community Bancorp's current FCF Margin % of 15.98% is 42% below median its 10-year median of 27.38. Over the past 10 years, this metric has ranged from a low of 11.41 to a high of 42.10. The Banks industry median FCF Margin % is 26.55. River Valley Community Bancorp's value of 15.98% is 39.8% below this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #938 out of 1505 companies in the Banks industry, which is below 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 FCF Margin % compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #938 out of 1505 companies for FCF Margin %. This places River Valley Community Bancorp in the lower half of its industry. The industry median FCF Margin % is 26.55. River Valley Community Bancorp's value of 15.98% is 39.8% below this benchmark. Historically, River Valley Community Bancorp's own FCF Margin % has ranged from 11.41 to 42.10 over the past decade. While the company's 10-year median is 27.38 vs. the industry median of 26.55, River Valley Community Bancorp has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current FCF Margin % of 15.98% is 39.8% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current FCF Margin % is 15.98%, which is 42% below median its own 10-year median of 27.38. 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 $17.44, compared to a current price of $24.00 — trading 37.6% above its estimated fair value. The current FCF Margin % is 15.98%, which is 42% below median its 10-year median of 27.38 and 39.8% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current FCF Margin % is 15.98% 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 37.6% above its estimated GF Value™ of $17.44.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
FCF Margin %: 15.98% (42% below median its 10-year median of 27.38)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 39.8% below the Banks median (#938 of 1505)
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.
48GF Score
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