John Muessel - River Valley VP
VP
Mr. John Muessel is Vice President Trust Officer of River Valley Financial Bank a subsidiary of River Valley Bancorp. Prior to joining the Bank he served as a Trust Officer of National City Bank of Indiana. since 2002.
| Age | 61 |
| Tenure | 22 years |
| Phone | 812-273-4949 |
| Web | http://www.rvfbank.com |
River Valley Management Efficiency
The company has return on total asset (ROA) of 0.0113 % which means that it generated a profit of $0.0113 on every $100 spent on assets. This is way below average. River Valley's management efficiency ratios could be used to measure how well River Valley manages its routine affairs as well as how well it operates its assets and liabilities.The company currently holds 54.87 M in liabilities with Debt to Equity (D/E) ratio of 8.66, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Debt can assist River Valley until it has trouble settling it off, either with new capital or with free cash flow. So, River Valley's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like River Valley Bancorp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for River to invest in growth at high rates of return. When we think about River Valley's use of debt, we should always consider it together with cash and equity.
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Management Performance
| Return On Asset | 0.0113 |
River Valley Bancorp Leadership Team
Elected by the shareholders, the River Valley's board of directors comprises two types of representatives: River Valley inside directors who are chosen from within the company, and outside directors, selected externally and held independent of River. The board's role is to monitor River Valley's management team and ensure that shareholders' interests are well served. River Valley's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, River Valley's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Jennifer Darnold, Senior Vice President - Retail Banking of the Bank | ||
| Lillian Livers, Independent Director | ||
| Robert Kleehamer, Senior Vice President - Business Development of the Bank | ||
| Matthew Forrester, CEO and President Director, CEO of River Valley Financial Bank and President of River Valley Financial Bank and Director of River Valley FInancial Bank | ||
| Michael Hensley, Independent Director | ||
| Vickie Grimes, Treasurer; Vice President of Finance of the Bank | ||
| Lonnie Collins, Secretary, Director, Member of Governance and Nominating Committee, Member of Stock Compensation Committee, Secretary of River Valley Financial Bank and Director of River Valley Financial Bank | ||
| Mark Goley, Vice President - Loan Services of the Bank | ||
| Charles McKay, Independent Director | ||
| John Muessel, VP of Trust Services, VP of River Valley Financial Bank and Trust Officer of River Valley Financial Bank | ||
| Anthony Brandon, Executive VP and Executive VP of River Valley Financial Bank | ||
| Fred Koehler, Independent Chairman of the Board of the Company and the Bank |
River Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is River Valley a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Asset | 0.0113 | |||
| Profit Margin | 0.26 % | |||
| Operating Margin | 0.32 % | |||
| Current Valuation | 88.79 M | |||
| Shares Outstanding | 2.51 M | |||
| Shares Owned By Insiders | 23.31 % | |||
| Shares Owned By Institutions | 21.10 % | |||
| Number Of Shares Shorted | 1.48 K | |||
| Price To Earning | 15.60 X | |||
| Price To Book | 1.55 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards River Valley in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, River Valley's short interest history, or implied volatility extrapolated from River Valley options trading.
Currently Active Assets on Macroaxis
Check out Your Equity Center to better understand how to build diversified portfolios. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in real. You can also try the Piotroski F Score module to get Piotroski F Score based on the binary analysis strategy of nine different fundamentals.
Other Consideration for investing in River Stock
If you are still planning to invest in River Valley Bancorp check if it may still be traded through OTC markets such as Pink Sheets or OTC Bulletin Board. You may also purchase it directly from the company, but this is not always possible and may require contacting the company directly. Please note that delisted stocks are often considered to be more risky investments, as they are no longer subject to the same regulatory and reporting requirements as listed stocks. Therefore, it is essential to carefully research the River Valley's history and understand the potential risks before investing.
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