River Valley Community BancorpRVCB 48 ROA % is 0.65% as of Dec. 2025, which is 34% below its 10-year median of 0.98. 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 1,529 Banks companies, River Valley Community Bancorp ranks worse than 69.72% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. River Valley Community Bancorp's annualizedNet Income for the quarter that ended in Dec. 2025 was $4.41 Mil.
River Valley Community Bancorp's average Total Assets over the quarter that ended in Dec. 2025 was $681.46 Mil. Therefore, River Valley Community Bancorp's annualized ROA % for the quarter that ended in Dec. 2025 was 0.65%.
The historical rank and industry rank for River Valley Community Bancorp's ROA % or its related term are showing as below:
RVCB'
s ROA % Range Over the Past 10 Years
Min: -0.46 Med: 0.98 Max: 1.36
Current: 0.65
During the past 10 years, River Valley Community Bancorp's highest ROA % was 1.36%. The lowest was -0.46%. And the median was 0.98%.
RVCB's ROA % is ranked worse than 69.72% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs RVCB: 0.65
River Valley Community Bancorp (OTCPK:RVCB) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
River Valley Community Bancorp ROA % Related Terms
River Valley Community Bancorp ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
ROA % is displayed in the 30-year financial page.
River Valley Community Bancorp (RVCB) has a ROA % of 0.65% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on River Valley Community Bancorp and its competitors. This is 34% below median its historical median of 0.98. According to the industry distribution chart, River Valley Community Bancorp ranks #1066 out of 1529 companies in the Banks industry, placing it in the top 69.7%.
Is River Valley Community Bancorp's ROA % too high?
River Valley Community Bancorp's current ROA % of 0.65% is 34% below median its 10-year median of 0.98. The Banks industry median ROA % is 0.98. River Valley Community Bancorp's value of 0.65% is 33.7% below this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #1066 out of 1529 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 ROA % compare to STLE and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1066 out of 1529 companies for ROA %. This places River Valley Community Bancorp in the lower half of its industry. The industry median ROA % is 0.98. River Valley Community Bancorp's value of 0.65% is 33.7% below this benchmark. While the company's 10-year median is 0.98 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current ROA % of 0.65% is 33.7% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current ROA % is 0.65%, which is 34% below median its own 10-year median of 0.98. 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 ROA % is 0.65%, which is 34% below median its 10-year median of 0.98 and 33.7% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current ROA % is 0.65% 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:
ROA %: 0.65% (34% below median its 10-year median of 0.98)
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
Industry Position: 33.7% below the Banks median (#1066 of 1529)
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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