River Valley Community BancorpRVCB 48 PEG Ratio is 4.73 as of Jun. 27, 2026, which is 143% above its 10-year median of 1.95. 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 1,229 Banks companies, River Valley Community Bancorp ranks worse than 83.65% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for River Valley Community Bancorp's PEG Ratio or its related term are showing as below:
RVCB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.45 Med: 1.95 Max: 9.42
Current: 4.74
During the past 10 years, River Valley Community Bancorp's highest PEG Ratio was 9.42. The lowest was 0.45. And the median was 1.95.
RVCB's PEG Ratio is ranked worse than 83.65% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs RVCB: 4.74
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
River Valley Community Bancorp (OTCPK:RVCB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
River Valley Community Bancorp PEG Ratio Related Terms
River Valley Community Bancorp PEG 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 PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's PEG Ratio distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
River Valley Community Bancorp (RVCB) has a PEG Ratio of 4.73 as of Jun. 27, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River Valley Community Bancorp and its competitors. This is 143% above median its historical median of 1.95. Over the past decade, River Valley Community Bancorp's PEG Ratio has ranged from 0.45 to 9.42. According to the industry distribution chart, River Valley Community Bancorp ranks #1028 out of 1229 companies in the Banks industry, placing it in the top 83.6%.
Is River Valley Community Bancorp's PEG Ratio too high?
River Valley Community Bancorp's current PEG Ratio of 4.73 is 143% above median its 10-year median of 1.95. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 9.42. The Banks industry median PEG Ratio is 1.52. River Valley Community Bancorp's value of 4.73 is 211.2% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #1028 out of 1229 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 PEG Ratio compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1028 out of 1229 companies for PEG Ratio. This places River Valley Community Bancorp in the lower half of its industry. The industry median PEG Ratio is 1.52. River Valley Community Bancorp's value of 4.73 is 211.2% above this benchmark. Historically, River Valley Community Bancorp's own PEG Ratio has ranged from 0.45 to 9.42 over the past decade. While the company's 10-year median is 1.95 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current PEG Ratio of 4.73 is 211.2% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current PEG Ratio is 4.73, which is 143% above median its own 10-year median of 1.95. 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 PEG Ratio is 4.73, which is 143% above median its 10-year median of 1.95 and 211.2% above the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current PEG Ratio is 4.73 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:
PEG Ratio: 4.73 (143% above median its 10-year median of 1.95)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 211.2% above the Banks median (#1028 of 1229)
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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