River Valley Community BancorpRVCB 48 PB Ratio is 1.25 as of Jun. 27, 2026, which is 15% below its 10-year median of 1.47. 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 1,516 Banks companies, River Valley Community Bancorp ranks worse than 62.8% on this metric.
River Valley Community Bancorp stock PB Ratio (=1.23) is close to 5-year low of 1.22.
The historical rank and industry rank for River Valley Community Bancorp's PB Ratio or its related term are showing as below:
RVCB'
s PB Ratio Range Over the Past 10 Years
Min: 1.02 Med: 1.47 Max: 2.11
Current: 1.25
During the past 10 years, River Valley Community Bancorp's highest PB Ratio was 2.11. The lowest was 1.02. And the median was 1.47.
RVCB's PB Ratio is ranked worse than 62.8% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs RVCB: 1.25
During the past 12 months, River Valley Community Bancorp's average Book Value Per Share Growth Rate was 15.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.70% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of River Valley Community Bancorp was 38.30% per year. The lowest was -2.40% per year. And the median was 17.20% per year.
Back to Basics: PB Ratio
River Valley Community Bancorp (OTCPK:RVCB) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
River Valley Community Bancorp PB Ratio Related Terms
River Valley Community Bancorp PB 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.
For the Banks - Regional subindustry, River Valley Community Bancorp's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's PB Ratio falls into.
River Valley Community Bancorp PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
River Valley Community Bancorp (RVCB) has a PB Ratio of 1.25 as of Jun. 27, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on River Valley Community Bancorp and its competitors. This is 15% below median its historical median of 1.47. Over the past decade, River Valley Community Bancorp's PB Ratio has ranged from 1.02 to 2.11. According to the industry distribution chart, River Valley Community Bancorp ranks #952 out of 1516 companies in the Banks industry, placing it in the top 62.8%.
Is River Valley Community Bancorp's PB Ratio too high?
River Valley Community Bancorp's current PB Ratio of 1.25 is 15% below median its 10-year median of 1.47. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 2.11. The Banks industry median PB Ratio is 1.09. River Valley Community Bancorp's value of 1.25 is 14.7% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #952 out of 1516 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 PB Ratio compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #952 out of 1516 companies for PB Ratio. This places River Valley Community Bancorp in the lower half of its industry. The industry median PB Ratio is 1.09. River Valley Community Bancorp's value of 1.25 is 14.7% above this benchmark. Historically, River Valley Community Bancorp's own PB Ratio has ranged from 1.02 to 2.11 over the past decade. While the company's 10-year median is 1.47 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current PB Ratio of 1.25 is 14.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current PB Ratio is 1.25, which is 15% below median its own 10-year median of 1.47. 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 PB Ratio is 1.25, which is 15% below median its 10-year median of 1.47 and 14.7% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current PB Ratio is 1.25 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:
PB Ratio: 1.25 (15% below median its 10-year median of 1.47)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 14.7% above the Banks median (#952 of 1516)
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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