Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
River Valley Community Bancorp's 5-Year RORE % for the quarter that ended in Dec. 2025 was -4.28%.
RVCB's 5-Year RORE % is ranked worse than 79.86% of 1415
companies
in the Banks industry
Industry Median: 9.67
vs RVCB: -4.28
River Valley Community Bancorp (OTCPK:RVCB) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
River Valley Community Bancorp 5-Year RORE % Related Terms
River Valley Community Bancorp 5-Year RORE % 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 5-Year RORE % Chart
RVCB vs FBSI, CZNL, SVBT: 5-Year RORE % Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
River Valley Community Bancorp (RVCB) has a 5-Year RORE % of -4.28 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on River Valley Community Bancorp and its competitors. According to the industry distribution chart, River Valley Community Bancorp ranks #1130 out of 1415 companies in the Banks industry, placing it in the top 79.9%.
Is River Valley Community Bancorp's 5-Year RORE % too high?
River Valley Community Bancorp's current 5-Year RORE % is -4.28. Based on the distribution chart, River Valley Community Bancorp ranks #1130 out of 1415 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, River Valley Community Bancorp has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's 5-Year RORE % compare to FBSI and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1130 out of 1415 companies for 5-Year RORE %. This places River Valley Community Bancorp in the lower half of its industry. The industry median 5-Year RORE % is 9.67. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.67, based on 1,415 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median 5-Year RORE % is 9.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current 5-Year RORE % is -4.28. 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 5-Year RORE % is -4.28. River Valley Community Bancorp's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current 5-Year RORE % is -4.28 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:
5-Year RORE %: -4.28
GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
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.
44GF Score
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