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River Valley Community BancorpRVCB 51 Shiller PE Ratio is 16.43 as of Aug. 09, 2026, which is 0% above its 10-year median of 16.38. GuruFocus rates RVCB with a GF Score™ of 51/100 and a GF Value™ of $17.28 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,242 Banks companies, River Valley Community Bancorp ranks worse than 64.57% on this metric.
The historical rank and industry rank for River Valley Community Bancorp's Shiller PE Ratio or its related term are showing as below:
RVCB'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 15.7 Med: 16.38 Max: 16.73
Current: 16.44
During the past 10 years, River Valley Community Bancorp's highest Shiller PE Ratio was 16.73. The lowest was 15.70. And the median was 16.38.
RVCB's Shiller PE Ratio is ranked worse than 64.57% of 1242
companies
in the Banks industry
Industry Median: 13.935
vs RVCB: 16.44
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
River Valley Community Bancorp's adjusted earnings per share data of for the fiscal year that ended in Dec25 was $1.370. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $1.50 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
River Valley Community Bancorp (OTCPK:RVCB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
River Valley Community Bancorp Shiller PE Ratio Related Terms
River Valley Community Bancorp Shiller PE 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 Shiller PE Ratio Chart
RVCB vs OPHC, FRSB, CYFL: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's Shiller PE Ratio falls into.
River Valley Community Bancorp Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
River Valley Community Bancorp (RVCB) has a Shiller PE Ratio of 16.43 as of Aug. 09, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on River Valley Community Bancorp and its competitors. This is near median its historical median of 16.38. Over the past decade, River Valley Community Bancorp's Shiller PE Ratio has ranged from 15.70 to 16.73. According to the industry distribution chart, River Valley Community Bancorp ranks #802 out of 1242 companies in the Banks industry, placing it in the top 64.6%.
Is River Valley Community Bancorp's Shiller PE Ratio too high?
River Valley Community Bancorp's current Shiller PE Ratio of 16.43 is near median its 10-year median of 16.38. Over the past 10 years, this metric has ranged from a low of 15.70 to a high of 16.73. The Banks industry median Shiller PE Ratio is 13.94. River Valley Community Bancorp's value of 16.43 is 17.9% above this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #802 out of 1242 companies in the Banks industry, which is below the industry midpoint. Overall, River Valley Community Bancorp has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does River Valley Community Bancorp's Shiller PE Ratio compare to OPHC and FRSB?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #802 out of 1242 companies for Shiller PE Ratio. This places River Valley Community Bancorp in the lower half of its industry. The industry median Shiller PE Ratio is 13.94. River Valley Community Bancorp's value of 16.43 is 17.9% above this benchmark. Historically, River Valley Community Bancorp's own Shiller PE Ratio has ranged from 15.70 to 16.73 over the past decade. While the company's 10-year median is 16.38 vs. the industry median of 13.94, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.94, based on 1,242 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current Shiller PE Ratio of 16.43 is 17.9% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. River Valley Community Bancorp's current Shiller PE Ratio is 16.43, which is near median its own 10-year median of 16.38. 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 $17.28, compared to a current price of $24.65 — trading 42.7% above its estimated fair value. The current Shiller PE Ratio is 16.43, which is near median its 10-year median of 16.38 and 17.9% above the Banks industry median of 13.94. River Valley Community Bancorp's overall GF Score™ is 51/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Shiller PE Ratio is 16.43 as of Aug. 09, 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 $24.65 is trading 42.7% above its estimated GF Value™ of $17.28.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
Shiller PE Ratio: 16.43 (near median its 10-year median of 16.38)
GF Value™: $17.28 vs. price of $24.65 (42.7% above fair value)
Industry Position: 17.9% above the Banks median (#802 of 1242)
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 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.
51GF Score
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