Company Analysis River Valley Community Bancorp
1. Summary
Advantages
- The stock's return over the last year (4.17%) is higher than the sector average (-39.72%).
- Current debt level 0.2223% is below 100% and has decreased over 5 years from 14.94%.
Disadvantages
- Price (25.35 $) is higher than fair price (19.07 $)
- Dividends (0.2745%) are below the sector average (4.72%).
- The company's current efficiency (ROE=8.91%) is lower than the sector average (ROE=101.03%)
Similar companies
2. Share price and performance
2.1. Share price
2.3. Market efficiency
| River Valley Community Bancorp | Financials | Index | |
|---|---|---|---|
| 7 days | -1.4% | 0.4% | 1.4% |
| 90 days | -5.1% | 2.5% | 3.4% |
| 1 year | 4.2% | -39.7% | 13.9% |
RVCB vs Sector: River Valley Community Bancorp has outperformed the "Financials" sector by 43.89% over the past year.
RVCB vs Market: River Valley Community Bancorp has significantly underperformed the market by -9.71% over the past year.
Stable price: RVCB is not significantly more volatile than the rest of the market on "OTC" over the last 3 months, with typical variations of +/- 5% per week.
Long period: RVCB with weekly volatility of 0.0801% over the past year.
3. Summary of the report
5. Fundamental Analysis
5.1. Stock price and price forecast
Above fair price: The current price (25.35 $) is higher than the fair price (19.07 $).
Price is higher than fair: The current price (25.35 $) is 24.8% higher than the fair price.
5.2. P/E
P/E vs Sector: The company's P/E (16.64) is lower than that of the sector as a whole (53.03).
P/E vs Market: The company's P/E (16.64) is lower than that of the market as a whole (45.35).
5.2.1 P/E Similar companies
5.3. P/BV
P/BV vs Sector: The company's P/BV (1.41) is lower than that of the sector as a whole (1.61).
P/BV vs Market: The company's P/BV (1.41) is lower than that of the market as a whole (4.4).
5.3.1 P/BV Similar companies
5.5. P/S
P/S vs Sector: The company's P/S indicator (3.89) is higher than that of the sector as a whole (2.51).
P/S vs Market: The company's P/S indicator (3.89) is lower than that of the market as a whole (13.01).
5.5.1 P/S Similar companies
5.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-87.56) is lower than that of the sector as a whole (65.93).
EV/Ebitda vs Market: The company's EV/Ebitda (-87.56) is lower than that of the market as a whole (24.01).
6. Profitability
6.1. Profitability and revenue
6.2. Earnings per share - EPS
6.3. Past profitability Net Income
Yield Trend: Rising and has grown by 1.24% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (1.24%).
Profitability vs Sector: The return for the last year (0%) exceeds the return for the sector (-1.24%).
6.4. ROE
ROE vs Sector: The company's ROE (8.91%) is lower than that of the sector as a whole (101.03%).
ROE vs Market: The company's ROE (8.91%) is lower than that of the market as a whole (51.15%).
6.6. ROA
ROA vs Sector: The company's ROA (0.7354%) is lower than that of the sector as a whole (85.19%).
ROA vs Market: The company's ROA (0.7354%) is lower than that of the market as a whole (36.08%).
6.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (10.55%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.88%).
8. Dividends
8.1. Dividend yield vs Market
Low yield: The dividend yield of the company 0.2745% is below the average for the sector '4.72%.
8.2. Stability and increase in payments
Dividend stability: The company's dividend yield 0.2745% has been steadily paid over the past 7 years, DSI=0.88.
Weak dividend growth: The company's dividend yield 0.2745% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
8.3. Payout percentage
Dividend Coverage: Current payments from income (0%) are at an uncomfortable level.
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Based on sources: porti.ru
