What is River Valley Community Bancorp Net Margin %?
River Valley Community BancorpRVCB 48 Net Margin % is 20.82% as of Dec. 2025, which is 27% below its 10-year median of 28.61. 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 1,527 Banks companies, River Valley Community Bancorp ranks worse than 68.83% on this metric.
The historical rank and industry rank for River Valley Community Bancorp's Net Margin % or its related term are showing as below:
RVCB'
s Net Margin % Range Over the Past 10 Years
Min: -27.11 Med: 28.61 Max: 35.57
Current: 20.82
RVCB's Net Margin % is ranked worse than 68.83% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs RVCB: 20.82
River Valley Community Bancorp (OTCPK:RVCB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
River Valley Community Bancorp Net Margin % Related Terms
River Valley Community Bancorp Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Net 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 Net Margin % of 20.82% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on River Valley Community Bancorp and its competitors. This is 27% below median its historical median of 28.61. According to the industry distribution chart, River Valley Community Bancorp ranks #1051 out of 1527 companies in the Banks industry, placing it in the top 68.8%.
Is River Valley Community Bancorp's Net Margin % too high?
River Valley Community Bancorp's current Net Margin % of 20.82% is 27% below median its 10-year median of 28.61. The Banks industry median Net Margin % is 26.95. River Valley Community Bancorp's value of 20.82% is 22.7% below this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #1051 out of 1527 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 Net Margin % compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1051 out of 1527 companies for Net Margin %. This places River Valley Community Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. River Valley Community Bancorp's value of 20.82% is 22.7% below this benchmark. While the company's 10-year median is 28.61 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Net Margin % of 20.82% is 22.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Net Margin % is 20.82%, which is 27% below median its own 10-year median of 28.61. 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 Net Margin % is 20.82%, which is 27% below median its 10-year median of 28.61 and 22.7% below the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Net Margin % is 20.82% 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:
Net Margin %: 20.82% (27% below median its 10-year median of 28.61)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 22.7% below the Banks median (#1051 of 1527)
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
Get the complete analysis for RVCB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
RVCB has been successfully added to your 
