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River Valley Community BancorpRVCB -2.83%48 Intrinsic Value: Projected FCF is $21.80 as of Aug. 20, 2026, which is 2527% above its 10-year median of 0.83. GuruFocus rates RVCB with a GF Score™ of 48/100 and a GF Value™ of $17.24 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,304 Banks companies, River Valley Community Bancorp ranks worse than 86.12% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for River Valley Community Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:
RVCB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.71 Med: 0.83 Max: 1.11
Current: 1.1
During the past 10 years, the highest Price-to-Intrinsic-Value-Projected-FCF of River Valley Community Bancorp was 1.11. The lowest was 0.71. And the median was 0.83.
RVCB's Price-to-Projected-FCF is ranked worse than 86.12% of 1304
companies
in the Banks industry
Industry Median: 0.59
vs RVCB: 1.10
River Valley Community Bancorp (OTCPK:RVCB) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
River Valley Community Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
24.00
/
=
* 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 Intrinsic Value: Projected FCF Related Terms
River Valley Community Bancorp Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF Chart
RVCB vs OPHC, FRSB, CYFL: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Price-to-Projected-FCF falls into.
River Valley Community Bancorp Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
What does a Intrinsic Value: Projected FCF of $21.80 mean?
River Valley Community Bancorp (RVCB) has a Intrinsic Value: Projected FCF of $21.80 as of Aug. 20, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on River Valley Community Bancorp and its competitors. This is 2527% above median its historical median of 0.83. Over the past decade, River Valley Community Bancorp's Intrinsic Value: Projected FCF has ranged from 0.71 to 1.11. According to the industry distribution chart, River Valley Community Bancorp ranks #1123 out of 1304 companies in the Banks industry, placing it in the top 86.1%.
Is River Valley Community Bancorp's Intrinsic Value: Projected FCF too high?
River Valley Community Bancorp's current Intrinsic Value: Projected FCF of $21.80 is 2527% above median its 10-year median of 0.83. Over the past 10 years, this metric has ranged from a low of 0.71 to a high of 1.11. The Banks industry median Intrinsic Value: Projected FCF is 0.59. River Valley Community Bancorp's value of $21.80 is 3594.9% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #1123 out of 1304 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Intrinsic Value: Projected FCF compare to OPHC and FRSB?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1123 out of 1304 companies for Intrinsic Value: Projected FCF. This places River Valley Community Bancorp in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. River Valley Community Bancorp's value of $21.80 is 3594.9% above this benchmark. Historically, River Valley Community Bancorp's own Intrinsic Value: Projected FCF has ranged from 0.71 to 1.11 over the past decade. While the company's 10-year median is 0.83 vs. the industry median of 0.59, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,304 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Intrinsic Value: Projected FCF of $21.80 is 3594.9% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Intrinsic Value: Projected FCF is $21.80, which is 2527% above median its own 10-year median of 0.83. 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 $17.24, compared to a current price of $24.00 — trading 39.2% above its estimated fair value. The current Intrinsic Value: Projected FCF is $21.80, which is 2527% above median its 10-year median of 0.83 and 3594.9% above the Banks industry median of 0.59. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Intrinsic Value: Projected FCF is $21.80 as of Aug. 20, 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 $24.00 is trading 39.2% above its estimated GF Value™ of $17.24.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
Intrinsic Value: Projected FCF: $21.80 (2527% above median its 10-year median of 0.83)
GF Value™: $17.24 vs. price of $24.00 (39.2% above fair value)
Industry Position: 3594.9% above the Banks median (#1123 of 1304)
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
Get the complete analysis for RVCB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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