River Valley Community Bancorp Financial Ratios — RVCB Stock

Profitability (USD)

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	12.24	12.37	10.94	12.49	13.84	10.52	7.11	6.71
Return on Assets (%)	- -	1.36	1.03	1.02	0.88	0.98	1.11	0.98	0.74	0.65
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-26.98	46.46	43.43	41.61	32.21	43.81	48.79	40.47	32.11	28.18
Profit Margin (%)	-27.11	27.6	32.25	30.46	23.69	31.91	35.57	29.62	23.4	20.82
Net Income to Common Margin (%)	-27.11	27.6	32.25	30.46	23.69	31.91	35.57	29.62	23.4	20.82
Effective Tax Rate (%)	- -	40.59	25.74	26.8	26.44	27.16	27.1	26.82	27.12	26.11
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.98
Sustainable Growth Rate (%)	- -	- -	12.24	12.37	10.94	12.49	13.84	10.52	7.11	6.38

Credit (USD)

API ChatGPT

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	50	60	65	- -	- -	- -	- -	- -	30
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	50	60	65	- -	- -	- -	- -	- -	30
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.46	8.4	8.4	8.04	8.04	7.62	8.46	10.15	10.52	8.94
Long-Term Debt/Equity (%)	- -	177.83	200.43	171.97	- -	- -	- -	- -	- -	50.84
Long-Term Debt/Capital (%)	- -	64.05	65.45	64.64	- -	- -	- -	- -	- -	30.96
Long-Term Debt/Total Assets (%)	- -	14.97	15.92	14.7	- -	- -	- -	- -	- -	4.01
Total Debt/Equity (%)	- -	177.83	200.43	171.97	- -	- -	- -	- -	- -	50.84
Total Debt/Capital (%)	- -	64.05	65.45	64.64	- -	- -	- -	- -	- -	30.96
Total Debt/Total Assets (%)	- -	14.97	15.92	14.7	- -	- -	- -	- -	- -	4.01
Net Debt to Equity	-14.26	-181.92	-117.18	-134.5	-115.87	-207.9	-252.21	-87.32	-73.66	-140.68
Net Debt/Capital (%)	89.81	-190.08	-61.98	-102.24	378.84	180.38	236.51	-216.95	-149.07	-598.12
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-1	-3	- -	-2	- -	- -	- -	- -	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	-0.46	8.4	8.4	8.04	8.04	7.62	8.46	10.15	10.52	8.94
Long-Term Debt/Equity (%)	- -	177.83	200.43	171.97	- -	- -	- -	- -	- -	50.84
Long-Term Debt/Capital (%)	- -	64.05	65.45	64.64	- -	- -	- -	- -	- -	30.96
Long-Term Debt/Total Assets (%)	- -	14.97	15.92	14.7	- -	- -	- -	- -	- -	4.01
Total Debt/Equity (%)	- -	177.83	200.43	171.97	- -	- -	- -	- -	- -	50.84
Total Debt/Capital (%)	- -	64.05	65.45	64.64	- -	- -	- -	- -	- -	30.96
Total Debt/Total Assets (%)	- -	14.97	15.92	14.7	- -	- -	- -	- -	- -	4.01
CFO/Total Liabilities	- -	0.79	1.65	1.32	0.99	0.93	1.38	0.93	1.08	0.61
CFO/CapEx	- -	3.18	2.18	25.6	1.81	178.77	148.1	52.53	104.32	4.69
Altman's Z-Score	0.01	0.19	0.18	0.18	0.19	0.17	0.18	0.21	0.22	0.12

Working Capital (USD)

API ChatGPT

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	167.86	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	2.17	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	59	54	60	64	66	70	68	73	- -
- Cash & Cash Equivalents	2	51	35	51	54	103	92	40	38	84
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	50	60	65	- -	- -	- -	- -	- -	30
Enterprise Value	-2	58	79	74	9	-36	-22	28	35	-54
Total Capital	- -	78	92	101	40	46	53	59	63	99
Total Debt/Capital (%)	- -	64.05	65.45	64.64	- -	- -	- -	- -	- -	30.96
Total Debt / EV	- -	0.86	0.76	0.88	- -	- -	- -	- -	- -	-0.57
EV/Sales	- -	6.26	6.94	5.4	0.54	- -	- -	1.39	1.91	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	24.09	13.7	13.81	2.12	- -	- -	5.55	5.98	- -
EV/Free Cash Flow to Firm	- -	18.32	9.39	13.29	1.36	- -	- -	5.44	5.92	- -
Diluted Market Cap	- -	61	56	62	65	68	73	70	75	- -
Diluted Enterprise Value	-2	60	81	76	11	-35	-20	30	37	-54
EV per Share	- -	19.5	26.35	24.76	3.17	- -	- -	8.95	11.39	- -
TTM Sales	1	9	11	14	17	17	19	20	19	21
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	2	6	5	4	5	8	5	6	4
TTM Free Cash Flow to Firm	- -	3	8	6	7	5	8	5	6	5

Multiples (USD)

API ChatGPT

	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	19.23	6.64	11.14	9.47	13.18	8.81	13.78	12.58	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2	58	79	74	9	-36	-22	28	35	-54
Low Price	- -	8.96	16	15.86	15.74	20.45	18.65	19.64	18.55	21
EV/Sales	- -	6.26	6.94	5.4	0.54	- -	- -	1.39	1.91	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	23.12	14.7	14.32	15.41	12.4	10.26	11.52	16.86	- -
Price/Earnings Average	- -	16.78	15.25	14.34	13.56	13.76	9.68	12	15.45	- -
Price/Earnings High	- -	23.24	20.21	16.11	16.23	16.9	11.16	13.09	16.86	- -
Price/Earnings Low	- -	10.41	13.06	11.36	11.31	11.52	8.32	10.29	13.26	- -
Price/Book Value	- -	2.12	1.7	1.67	1.59	1.45	1.32	1.15	1.16	- -
Price/Book Value Average	- -	1.54	1.76	1.68	1.4	1.61	1.25	1.2	1.06	- -
Price/Book Value High	- -	2.13	2.33	1.88	1.68	1.97	1.44	1.31	1.16	- -
Price/Book Value Low	- -	0.95	1.51	1.33	1.17	1.35	1.07	1.03	0.91	- -
Price/Tangible Book Value	- -	2.11	1.8	1.58	1.36	1.34	1.92	1.47	1.43	- -
Price/Tangible Book Value Average	- -	1.53	1.86	1.58	1.2	1.49	1.81	1.53	1.31	- -
Price/Tangible Book Value High	- -	2.13	2.47	1.77	1.43	1.83	2.09	1.67	1.43	- -
Price/Tangible Book Value Low	- -	0.95	1.6	1.25	1	1.25	1.56	1.31	1.12	- -
Price/Sales	- -	6.38	4.74	4.36	3.65	3.96	3.65	3.41	3.95	- -
Price/Sales Average	- -	4.63	4.92	4.37	3.21	4.39	3.44	3.55	3.62	- -
Price/Sales High	- -	6.42	6.52	4.91	3.85	5.39	3.97	3.88	3.95	- -
Price/Sales Low	- -	2.87	4.21	3.46	2.68	3.68	2.96	3.05	3.1	- -
Price/Cash Flow	- -	24.56	9.36	11.16	14.31	12.89	8.61	13.64	12.37	- -
Price/Cash Flow Average	- -	17.83	9.71	11.17	12.59	14.31	8.12	14.2	11.33	- -
Price/Cash Flow High	- -	24.7	12.87	12.55	15.07	17.58	9.36	15.5	12.37	- -
Price/Cash Flow Low	- -	11.07	8.32	8.85	10.5	11.98	6.98	12.17	9.73	- -
Price/Free Cash Flow Average	- -	13.96	6.89	11.16	8.33	14.64	8.31	14.35	11.53	- -
Price/Free Cash Flow High	- -	19.34	9.13	12.54	9.97	17.98	9.58	15.66	12.58	- -
Price/Free Cash Flow Low	- -	8.66	5.9	8.84	6.95	12.26	7.15	12.3	9.9	- -
EV/Sales Average	- -	4.51	7.12	5.4	0.1	- -	- -	1.53	1.58	- -
EV/Sales High	- -	6.29	8.72	5.94	0.74	- -	- -	1.85	1.91	- -
EV/Sales Low	- -	2.75	6.41	4.5	- -	- -	- -	1.02	1.06	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	19.89	18	20	21.45	22	23	22	23.58	24.25
High Price	- -	20	24.75	22.5	22.6	30	25	25	23.58	31
Enterprise Value Average	-2	42	81	74	2	-29	-26	31	29	-54
Enterprise Value High	-2	59	99	81	13	-12	-16	37	35	-54
Enterprise Value Low	-2	26	73	61	-8	-41	-35	20	20	-54

Shares Outstanding	3	- -	- -	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	3	3	3	3	3	3	- -
Basic Weighted Avg Shares	3	3	3	3	3	3	3	3	3	- -
Revenue per Share	0.29	3.12	3.8	4.59	5.88	5.56	6.3	6.45	5.98	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.08	0.86	1.22	1.4	1.39	1.77	2.24	1.91	1.4	- -
Basic EPS from Cont Ops	-0.08	0.86	1.22	1.4	1.39	1.77	2.24	1.91	1.4	- -
Diluted EPS, GAAP	-0.08	0.84	1.18	1.35	1.35	1.73	2.18	1.85	1.36	- -
Diluted EPS from Cont Ops	-0.08	0.84	1.18	1.35	1.35	1.73	2.18	1.85	1.36	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	0.81	1.92	1.79	1.5	1.71	2.67	1.61	1.91	- -
Free Cash Flow per Basic Share	- -	0.55	1.04	1.72	0.67	1.7	2.65	1.58	1.89	- -
Cash & Equivalents per Share	0.69	17.12	11.75	17.08	18.28	34.09	30.18	13.05	12.19	- -
Book Value per Share	-0.08	9.39	10.61	11.94	13.45	15.19	17.42	19.07	20.37	- -
Tangible Book Value per Share	4.82	9.41	10.03	12.7	15.77	16.4	11.97	14.95	16.55	- -

River Valley Community Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)