ScoreWhy is River Valley Community Bancorp ?
1
Positive results in Dec 25
- NII(Q) Highest at USD 5.47 MM
- NET SALES(Q) Highest at USD 8.42 MM
- DIVIDEND PAYOUT RATIO(Y) Highest at 21.21%
2
With ROA of 0.79%, it has a expensive valuation with a 1.31 Price to Book Value
- Over the past year, while the stock has generated a return of 5.64%, its profits have fallen by -0.2%
3
Underperformed the market in the last 1 year
- The stock has generated a return of 5.64% in the last 1 year, much lower than market (S&P 500) returns of 36.95%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to River Valley Community Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.25%
EBIT Growth (5y)
-4.93%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
5.11%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
1.31
EV to EBIT
18.32
EV to EBITDA
18.32
EV to Capital Employed
1.21
EV to Sales
3.68
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
6.60%
ROE (Latest)
9.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
Bearish
Bearish
Bollinger Bands
Sideways
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 5.47 MM
NET SALES(Q)
Highest at USD 8.42 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 21.21%
DIVIDEND PER SHARE(HY)
Highest at USD 0
-5What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 0 MM
OPERATING PROFIT(Q)
Lowest at USD 1.44 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 17.1 %
PRE-TAX PROFIT(Q)
Lowest at USD 1.44 MM
NET PROFIT(Q)
Lowest at USD 1.44 MM
Here's what is working for River Valley Community Bancorp
NII
Highest at USD 5.47 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 8.42 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Net Sales
At USD 8.42 MM has Grown at 20.53%
over average net sales of the previous four periods of USD 6.99 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 21.21%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for River Valley Community Bancorp
Operating Profit
Lowest at USD 1.44 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at 17.1 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD 1.44 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 1.44 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
Cash and Eqv
Lowest at USD 0 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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