River Valley Community BancorpRVCB 48 Dividend Payout Ratio is 0.05 as of Dec. 2025, which is at its 10-year median of 0.05. GuruFocus rates RVCB with a GF Scoreâ„¢ of 48/100 and a GF Valueâ„¢ of $17.44 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,168 Banks companies, River Valley Community Bancorp ranks better than 98.03% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. River Valley Community Bancorp's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.05.
The historical rank and industry rank for River Valley Community Bancorp's Dividend Payout Ratio or its related term are showing as below:
RVCB'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.05 Med: 0.05 Max: 0.05
Current: 0.05
During the past 10 years, the highest Dividend Payout Ratio of River Valley Community Bancorp was 0.05. The lowest was 0.05. And the median was 0.05.
RVCB's Dividend Payout Ratio is ranked better than 98.03% of 1168
companies
in the Banks industry
Industry Median: 0.32
vs RVCB: 0.05
During the past 10 years, the highest Trailing Annual Dividend Yield of River Valley Community Bancorp was 0.89%. The lowest was 0.28%. And the median was 0.28%.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
River Valley Community Bancorp (OTCPK:RVCB) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
River Valley Community Bancorp Dividend Payout Ratio Related Terms
River Valley Community Bancorp Dividend Payout Ratio 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 Dividend Payout Ratio Chart
RVCB vs STLE, CZNL, SVBT: Dividend Payout Ratio Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Dividend Payout Ratio falls into.
River Valley Community Bancorp Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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 Dividend Payout Ratio of 0.05 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River Valley Community Bancorp and its competitors. This is near median its historical median of 0.05. Over the past decade, River Valley Community Bancorp's Dividend Payout Ratio has ranged from 0.05 to 0.05. According to the industry distribution chart, River Valley Community Bancorp ranks #23 out of 1168 companies in the Banks industry, placing it in the top 2%.
Is River Valley Community Bancorp's Dividend Payout Ratio too high?
River Valley Community Bancorp's current Dividend Payout Ratio of 0.05 is near median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.05. The Banks industry median Dividend Payout Ratio is 0.32. River Valley Community Bancorp's value of 0.05 is 84.4% below this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #23 out of 1168 companies in the Banks industry, which is in the top quartile — a strong position 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 Dividend Payout Ratio compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #23 out of 1168 companies for Dividend Payout Ratio. This places River Valley Community Bancorp in the top 2% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. River Valley Community Bancorp's value of 0.05 is 84.4% below this benchmark. Historically, River Valley Community Bancorp's own Dividend Payout Ratio has ranged from 0.05 to 0.05 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Dividend Payout Ratio of 0.05 is 84.4% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Dividend Payout Ratio is 0.05, which is near median its own 10-year median of 0.05. 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 Dividend Payout Ratio is 0.05, which is near median its 10-year median of 0.05 and 84.4% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Dividend Payout Ratio is 0.05 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:
Dividend Payout Ratio: 0.05 (near median its 10-year median of 0.05)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 84.4% below the Banks median (#23 of 1168)
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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