RIVERVIEW BANCORP INC (RVSB)
US7693971001 - Common Stock
We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 410 industry peers in the Banks industry. RVSB has a bad profitability rating. Also its financial health evaluation is rather negative. RVSB is valued correctly, but it does not seem to be growing. Finally RVSB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
RVSB had positive earnings in the past year.
RVSB had a positive operating cash flow in the past year.
In the past 5 years RVSB has always been profitable.
Of the past 5 years RVSB 4 years had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.61%, RVSB is doing worse than 70.24% of the companies in the same industry.
With a Return On Equity value of 6.15%, RVSB is not doing good in the industry: 70.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 6.15% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)9.32%
ROE(5y)9.09%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Profit Margin value of 18.02%, RVSB is not doing good in the industry: 70.98% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of RVSB has declined.
The Operating Margin and Gross Margin are not available for RVSB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 18.02% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.08%
PM growth 5Y-23.34%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
RVSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
RVSB has less shares outstanding than it did 1 year ago.
RVSB has less shares outstanding than it did 5 years ago.
RVSB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of RVSB is 1.96, which is an excellent value as it means it would take RVSB, only 1.96 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.96, RVSB is in the better half of the industry, outperforming 61.46% of the companies in the same industry.
RVSB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of RVSB (0.18) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.89%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for RVSB have decreased strongly by -78.31% in the last year.
Measured over the past years, RVSB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.23% on average per year.
The Revenue for RVSB has decreased by -24.23% in the past year. This is quite bad
RVSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.64% yearly.
EPS 1Y (TTM)-78.31%
EPS 3Y-26.86%
EPS 5Y-25.23%
EPS Q2Q%-200%
Revenue 1Y (TTM)-24.23%
Revenue growth 3Y-4.8%
Revenue growth 5Y-3.64%
Sales Q2Q%-38.82%
3.2 Future
RVSB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 59.69% yearly.
RVSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.69% yearly.
EPS Next Y41.67%
EPS Next 2Y59.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-0.78%
Revenue Next 2Y5.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 22.28, RVSB is valued on the expensive side.
86.10% of the companies in the same industry are cheaper than RVSB, based on the Price/Earnings ratio.
RVSB is valuated rather cheaply when we compare the Price/Earnings ratio to 28.42, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 15.73, which indicates a correct valuation of RVSB.
RVSB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RVSB is more expensive than 75.37% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RVSB to the average of the S&P500 Index (20.02), we can say RVSB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.28 | ||
| Fwd PE | 15.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, RVSB is valued cheaper than 85.37% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RVSB's earnings are expected to grow with 59.69% in the coming years.
PEG (NY)0.53
PEG (5Y)N/A
EPS Next 2Y59.69%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RVSB has a Yearly Dividend Yield of 6.59%, which is a nice return.
In the last 3 months the price of RVSB has falen by -22.24%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
RVSB's Dividend Yield is rather good when compared to the industry average which is at 3.93. RVSB pays more dividend than 93.66% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.39, RVSB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
5.2 History
The dividend of RVSB is nicely growing with an annual growth rate of 20.04%!
RVSB has been paying a dividend for at least 10 years, so it has a reliable track record.
As RVSB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)20.04%
Div Incr Years8
Div Non Decr Years8
5.3 Sustainability
52.39% of the earnings are spent on dividend by RVSB. This is a bit on the high side, but may be sustainable.
The dividend of RVSB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP52.39%
EPS Next 2Y59.69%
EPS Next 3YN/A
RIVERVIEW BANCORP INC
NASDAQ:RVSB (6/17/2024, 9:19:04 AM)
After market: 3.89 -0.12 (-2.99%)4.01
+0.2 (+5.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap84.65M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.59% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
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EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
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Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.28 | ||
| Fwd PE | 15.73 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.53
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 6.15% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 18.02% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-78.31%
EPS 3Y-26.86%
EPS 5Y
EPS Q2Q%
EPS Next Y41.67%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-24.23%
Revenue growth 3Y-4.8%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y