River Valley Community BancorpRVCB -1.04%44 5-Year Yield-on-Cost % is 0.89 as of Jul. 02, 2026, which is 218% above its 10-year median of 0.28. GuruFocus rates RVCB with a GF Score™ of 44/100 and a GF Value™ of $17.42 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,252 Banks companies, River Valley Community Bancorp ranks worse than 93.45% on this metric.
The historical rank and industry rank for River Valley Community Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
RVCB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.28 Med: 0.28 Max: 0.88
Current: 0.89
During the past 10 years, River Valley Community Bancorp's highest Yield on Cost was 0.88. The lowest was 0.28. And the median was 0.28.
RVCB's 5-Year Yield-on-Cost % is ranked worse than 93.45% of 1252
companies
in the Banks industry
Industry Median: 3.91
vs RVCB: 0.89
River Valley Community Bancorp (OTCPK:RVCB) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
River Valley Community Bancorp 5-Year Yield-on-Cost % Related Terms
RVCB vs FBSI, CZNL, SVBT: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, River Valley Community Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, River Valley Community Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where River Valley Community Bancorp's 5-Year Yield-on-Cost % falls into.
River Valley Community Bancorp 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
River Valley Community Bancorp (RVCB) has a 5-Year Yield-on-Cost % of 0.89 as of Jul. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on River Valley Community Bancorp and its competitors. This is 218% above median its historical median of 0.28. Over the past decade, River Valley Community Bancorp's 5-Year Yield-on-Cost % has ranged from 0.28 to 0.88. According to the industry distribution chart, River Valley Community Bancorp ranks #1170 out of 1252 companies in the Banks industry, placing it in the top 93.5%.
Is River Valley Community Bancorp's 5-Year Yield-on-Cost % too high?
River Valley Community Bancorp's current 5-Year Yield-on-Cost % of 0.89 is 218% above median its 10-year median of 0.28. Over the past 10 years, this metric has ranged from a low of 0.28 to a high of 0.88. The Banks industry median 5-Year Yield-on-Cost % is 3.91. River Valley Community Bancorp's value of 0.89 is 77.2% below this industry median. Based on the distribution chart, River Valley Community Bancorp ranks #1170 out of 1252 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 Yield-on-Cost % compare to FBSI and CZNL?
According to the Banks industry distribution chart, River Valley Community Bancorp ranks #1170 out of 1252 companies for 5-Year Yield-on-Cost %. This places River Valley Community Bancorp in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. River Valley Community Bancorp's value of 0.89 is 77.2% below this benchmark. Historically, River Valley Community Bancorp's own 5-Year Yield-on-Cost % has ranged from 0.28 to 0.88 over the past decade. While the company's 10-year median is 0.28 vs. the industry median of 3.91, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. River Valley Community Bancorp's current 5-Year Yield-on-Cost % of 0.89 is 77.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on River Valley Community Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — 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 Yield-on-Cost % is 0.89, which is 218% above median its own 10-year median of 0.28. 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 $17.42, compared to a current price of $23.75 — trading 36.3% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.89, which is 218% above median its 10-year median of 0.28 and 77.2% below the Banks industry median of 3.91. 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 Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For River Valley Community Bancorp (RVCB), the current 5-Year Yield-on-Cost % is 0.89 as of Jul. 02, 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 $23.75 is trading 36.3% above its estimated GF Value™ of $17.42.
GuruFocus considers River Valley Community Bancorp to be Significantly Overvalued.
Key valuation signals for RVCB:
5-Year Yield-on-Cost %: 0.89 (218% above median its 10-year median of 0.28)
GF Value™: $17.42 vs. price of $23.75 (36.3% above fair value)
Industry Position: 77.2% below the Banks median (#1170 of 1252)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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