RVCB (River Valley Community Bancorp) Scaled Net Operating Assets: 0.01 (As of Dec. 2025)


RVCB River Valley Community Bancorp RVCB
48 GF Score
Price $24.00
GF Value $17.44
Valuation Significantly Overvalued
! 5 Warning Signs
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What is River Valley Community Bancorp Scaled Net Operating Assets?

River Valley Community Bancorp RVCB 48 Scaled Net Operating Assets is 0.01 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Valley Community Bancorp's operating assets for the quarter that ended in Dec. 2025 was $675.94 Mil. River Valley Community Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $669.85 Mil. River Valley Community Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $602.57 Mil. Therefore, River Valley Community Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.01.

RVCB
48GF Score
River Valley Community Bancorp RVCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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River Valley Community Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

River Valley Community Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(675.942-669.845)/602.574
=0.01

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=760.34 - 84.398
=675.942

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=700.345 - 30.5 - 0
=669.845

River Valley Community Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(675.942-669.845)/602.574
=0.01

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=760.34 - 84.398
=675.942

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=700.345 - 30.5 - 0
=669.845

* 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.

What does a Scaled Net Operating Assets of 0.01 mean?
River Valley Community Bancorp (RVCB) has a Scaled Net Operating Assets of 0.01 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on River Valley Community Bancorp and its competitors.
Is River Valley Community Bancorp's Scaled Net Operating Assets too high?
River Valley Community Bancorp's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets compare to STLE and CZNL?
River Valley Community Bancorp's Scaled Net Operating Assets of 0.01 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on River Valley Community Bancorp and its competitors. River Valley Community Bancorp's current Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets is 0.01. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current Scaled Net Operating Assets is 0.01 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:

  • Scaled Net Operating Assets: 0.01
  • GF Value™: $17.44 vs. price of $24.00 (37.6% above fair value)
  • GF Score™: 48/100 with 5 warning signs

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

Address 1629 Colusa Avenue, Yuba City, CA, USA, 95993
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.00
Price
$17.44
GF Value