River Valley Community BancorpRVCB 48 Median PS Value is $20.42 as of Jun. 27, 2026, which is 11244% above its 10-year median of 0.18. 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 1,042 Banks companies, River Valley Community Bancorp ranks worse than 58.45% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for River Valley Community Bancorp's Median PS Value or its related term are showing as below:
RVCB'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.1 Med: 0.18 Max: 1.19
Current: 1.18
During the past 10 years, the highest Price to Median PS Value of River Valley Community Bancorp was 1.19. The lowest was 0.10. And the median was 0.18.
RVCB's Price-to-Median-PS-Value is ranked worse than 58.45% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs RVCB: 1.18
River Valley Community Bancorp (OTCPK:RVCB) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
River Valley Community Bancorp's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
23.9999
/
20.42
=
1.18
* 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 Median PS Value Related Terms
River Valley Community Bancorp Median PS Value 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 Median PS Value Chart
RVCB vs STLE, CZNL, SVBT: Median PS Value Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 4.1973.
For company reported annually, GuruFocus uses latest annual data as the TTM data. River Valley Community Bancorp's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $4.865.
* 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 Median PS Value of $20.42 as of Jun. 27, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on River Valley Community Bancorp and its competitors. This is 11244% above median its historical median of 0.18. Over the past decade, River Valley Community Bancorp's Median PS Value has ranged from 0.10 to 1.19. According to the industry distribution chart, River Valley Community Bancorp ranks #609 out of 1042 companies in the Banks industry, placing it in the top 58.4%.
Is River Valley Community Bancorp's Median PS Value too high?
River Valley Community Bancorp's current Median PS Value of $20.42 is 11244% above median its 10-year median of 0.18. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.19. The Banks industry median Median PS Value is 1.11. River Valley Community Bancorp's value of $20.42 is 1739.6% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #609 out of 1042 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 Median PS Value compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #609 out of 1042 companies for Median PS Value. This places River Valley Community Bancorp in the lower half of its industry. The industry median Median PS Value is 1.11. River Valley Community Bancorp's value of $20.42 is 1739.6% above this benchmark. Historically, River Valley Community Bancorp's own Median PS Value has ranged from 0.10 to 1.19 over the past decade. While the company's 10-year median is 0.18 vs. the industry median of 1.11, 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Median PS Value of $20.42 is 1739.6% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Median PS Value is $20.42, which is 11244% above median its own 10-year median of 0.18. 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 Median PS Value is $20.42, which is 11244% above median its 10-year median of 0.18 and 1739.6% above the Banks industry median of 1.11. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Median PS Value is $20.42 as of Jun. 27, 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 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:
Median PS Value: $20.42 (11244% above median its 10-year median of 0.18)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 1739.6% above the Banks median (#609 of 1042)
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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