River Valley Bancorp
River Valley Bancorp Fundamental Analysis
River Valley Bancorp (RIVR) shows moderate financial fundamentals with a PE ratio of 11.81, profit margin of 28.73%, and ROE of 10.18%. The company generates N/A in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 62.3/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze RIVR's fundamental strength across five key dimensions:
Efficiency Score
WeakRIVR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentRIVR trades at attractive valuation levels.
Growth Score
WeakRIVR faces weak or negative growth trends.
Financial Health Score
ModerateRIVR shows balanced financial health with some risks.
Profitability Score
WeakRIVR struggles to sustain strong margins.
Key Financial Metrics
Is RIVR Expensive or Cheap?
P/E Ratio
RIVR trades at 11.81 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, RIVR's PEG of 0.12 indicates potential undervaluation.
Price to Book
The market values River Valley Bancorp at 0.99 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -4.07 times EBITDA. This is generally considered low.
How Well Does RIVR Make Money?
Net Profit Margin
For every $100 in sales, River Valley Bancorp keeps $28.73 as profit after all expenses.
Operating Margin
Core operations generate 38.16 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.18 in profit for every $100 of shareholder equity.
ROA
River Valley Bancorp generates $0.87 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
FCF Per Share
Each share generates $3.92 in free cash annually.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.81
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.12
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.99
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
34.79
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How RIVR Stacks Against Its Sector Peers
| Metric | RIVR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.81 | 18.56 | Better (Cheaper) |
| ROE | 10.18% | 828.00% | Weak |
| Net Margin | 28.73% | 2518.00% | Weak |
| Debt/Equity | 1.12 | 1.00 | Neutral |
| Current Ratio | 34.79 | 663.54 | Strong Liquidity |
| ROA | 0.87% | -21156.00% (disorted) | Weak |
RIVR outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews River Valley Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical