River Valley Community Bancorp
River Valley Community Bancorp, through its subsidiary, River Valley Community Bank provides various banking products and services in the United States. It accepts personal and business checking accounts; savings accounts; certificates of deposit; and IRA accounts. The company's loan products include consumer term, agricultural real estate and land development, and construction loans, as well as … Read more
River Valley Community Bancorp (RVCB) - Net Assets
Latest net assets as of June 2025: $56.26 Million USD
Based on the latest financial reports, River Valley Community Bancorp (RVCB) has net assets worth $56.26 Million USD as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($609.05 Million) and total liabilities ($552.79 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $56.26 Million |
| % of Total Assets | 9.24% |
| Annual Growth Rate | 0.73% |
| 5-Year Change | 10.13% |
| 10-Year Change | 119.86% |
| Growth Volatility | 90.46 |
River Valley Community Bancorp - Net Assets Trend (2006–2024)
This chart illustrates how River Valley Community Bancorp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for River Valley Community Bancorp (2006–2024)
The table below shows the annual net assets of River Valley Community Bancorp from 2006 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $51.52 Million | +11.34% |
| 2023-12-31 | $46.27 Million | +26.36% |
| 2022-12-31 | $36.62 Million | -25.91% |
| 2021-12-31 | $49.43 Million | +5.66% |
| 2020-12-31 | $46.78 Million | +23.77% |
| 2019-12-31 | $37.80 Million | -57.97% |
| 2018-12-31 | $89.94 Million | +15.13% |
| 2017-12-31 | $78.12 Million | +3.74% |
| 2016-12-31 | $75.30 Million | +221.35% |
| 2015-12-31 | $23.43 Million | +10.91% |
| 2014-12-31 | $21.13 Million | -87.30% |
| 2013-12-31 | $166.38 Million | +9.48% |
| 2012-12-31 | $151.97 Million | +236.02% |
| 2006-12-31 | $45.23 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to River Valley Community Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 4583927100.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $45.63 Million | 88.57% |
| Common Stock | $17.78 Million | 34.51% |
| Other Comprehensive Income | $-11.89 Million | -23.08% |
| Total Equity | $51.52 Million | 100.00% |
River Valley Community Bancorp Competitors by Market Cap
The table below lists competitors of River Valley Community Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Emvision Medical Devices Ltd
AU:EMV
|
$57.37 Million |
|
1895 of Wisconsin Inc Bancorp
NASDAQ:BCOW
|
$57.43 Million |
|
Cheng Fwa Industrial Ltd
TWO:5426
|
$57.46 Million |
|
Mereo BioPharma Group plc
F:MAH0
|
$57.50 Million |
|
IDREAMSKY TE+H. DL-0001
F:08IA
|
$57.35 Million |
|
TAM JAI INTERNATIONAL CO.
F:29S
|
$57.34 Million |
|
Marmota Ltd
AU:MEU
|
$57.34 Million |
|
e-therapeutics plc
PINK:ETXPF
|
$57.33 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in River Valley Community Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 46,272,499 to 51,519,088, a change of 5,246,589 (11.3%).
- Net income of 4,354,737 contributed positively to equity growth.
- Share repurchases of 511,479 reduced equity.
- New share issuances of 206,210 increased equity.
- Other comprehensive income increased equity by 870,023.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $4.35 Million | +8.45% |
| Share Repurchases | $511.48K | -0.99% |
| Share Issuances | $206.21K | +0.4% |
| Other Comprehensive Income | $870.02K | +1.69% |
| Other Changes | $327.10K | +0.63% |
| Total Change | $- | 11.34% |
Book Value vs Market Value Analysis
This analysis compares River Valley Community Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.47x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has increased from 1.15x to 1.47x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-12-31 | $20.98 | $24.05 | x |
| 2012-12-31 | $6.82 | $24.05 | x |
| 2013-12-31 | $6.77 | $24.05 | x |
| 2014-12-31 | $7.23 | $24.05 | x |
| 2015-12-31 | $7.95 | $24.05 | x |
| 2016-12-31 | $8.45 | $24.05 | x |
| 2017-12-31 | $9.14 | $24.05 | x |
| 2018-12-31 | $9.69 | $24.05 | x |
| 2019-12-31 | $12.24 | $24.05 | x |
| 2020-12-31 | $15.35 | $24.05 | x |
| 2021-12-31 | $15.94 | $24.05 | x |
| 2022-12-31 | $11.62 | $24.05 | x |
| 2023-12-31 | $14.52 | $24.05 | x |
| 2024-12-31 | $16.36 | $24.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently River Valley Community Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.45%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.92%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 11.70x
- Recent ROE (8.45%) is below the historical average (8.90%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | -1.62% | -27.11% | 0.02x | 3.50x | $-1.50 Million |
| 2012 | 7.44% | 28.74% | 0.03x | 7.79x | $-500.59K |
| 2013 | 6.31% | 25.58% | 0.03x | 8.42x | $-730.09K |
| 2014 | 5.26% | 20.49% | 0.03x | 10.00x | $-1.00 Million |
| 2015 | 7.38% | 24.99% | 0.03x | 10.13x | $-613.43K |
| 2016 | 7.83% | 24.01% | 0.03x | 12.69x | $-548.38K |
| 2017 | 9.15% | 25.02% | 0.03x | 11.88x | $-240.31K |
| 2018 | 12.21% | 27.70% | 0.04x | 12.59x | $662.77K |
| 2019 | 11.00% | 24.67% | 0.04x | 11.70x | $379.33K |
| 2020 | 8.83% | 21.50% | 0.04x | 10.61x | $-549.06K |
| 2021 | 10.82% | 30.78% | 0.03x | 12.16x | $406.95K |
| 2022 | 18.73% | 33.75% | 0.03x | 17.21x | $3.20 Million |
| 2023 | 12.77% | 23.34% | 0.04x | 12.57x | $1.28 Million |
| 2024 | 8.45% | 15.92% | 0.05x | 11.70x | $-797.17K |
Industry Comparison
This section compares River Valley Community Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| River Valley Community Bancorp (RVCB) | $56.26 Million | -1.62% | 9.83x | $57.37 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |