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Riverview Financial Corporation (RIVE) Stock Fundamental Analysis

NASDAQ:RIVE - Nasdaq - Common Stock

15.47  +0.22 (+1.44%)

After market: 15.4 -0.07 (-0.45%)

Fundamental Rating

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RIVE gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 396 industry peers in the Banks industry. RIVE has a bad profitability rating. Also its financial health evaluation is rather negative. RIVE is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

RIVE had positive earnings in the past year.
RIVE Yearly Net Income VS EBIT VS OCF VS FCFRIVE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 0 10M -10M -20M

1.2 Ratios

Industry RankSector Rank
ROA 1.01%
ROE 11.65%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
RIVE Yearly ROA, ROE, ROICRIVE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 0 -10 -20

1.3 Margins

RIVE does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 24.42%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
RIVE Yearly Profit, Operating, Gross MarginsRIVE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 0 20 -20 -40

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2. Health

2.1 Basic Checks

RIVE has more shares outstanding than it did 1 year ago.
Compared to 1 year ago, RIVE has a worse debt to assets ratio.
RIVE Yearly Shares OutstandingRIVE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2M 4M 6M 8M
RIVE Yearly Total Debt VS Total AssetsRIVE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 200M 400M 600M 800M 1B

2.2 Solvency

RIVE has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
RIVE Yearly LT Debt VS Equity VS FCFRIVE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 0 50M 100M 150M 200M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3. Growth

3.1 Past

RIVE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 157.60%, which is quite impressive.
The Revenue has been growing slightly by 7.33% in the past year.
RIVE shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.54% yearly.
EPS 1Y (TTM)157.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%339.31%
Revenue 1Y (TTM)7.33%
Revenue growth 3Y17.14%
Revenue growth 5Y22.54%
Sales Q2Q%-1.41%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
RIVE Yearly Revenue VS EstimatesRIVE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 10M 20M 30M 40M 50M

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.54, the valuation of RIVE can be described as reasonable.
RIVE is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.54
Fwd PE N/A
RIVE Price Earnings VS Forward Price EarningsRIVE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RIVE Per share dataRIVE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

RIVE has a Yearly Dividend Yield of 1.04%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.04, RIVE pays less dividend than the S&P500 average, which is at 2.36.
Industry RankSector Rank
Dividend Yield 1.04%

5.2 History

RIVE has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
RIVE Yearly Dividends per shareRIVE Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 0.1 0.2 0.3

5.3 Sustainability

DP0%
EPS Next 2YN/A
EPS Next 3YN/A
RIVE Yearly Income VS Free CF VS DividendRIVE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 0 10M -10M -20M

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Riverview Financial Corporation

NASDAQ:RIVE (11/30/2021, 8:17:51 PM)

After market: 15.4 -0.07 (-0.45%)

15.47

+0.22 (+1.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners5.74%
Inst Owner Change-14.27%
Ins Owners24.46%
Ins Owner Change0%
Market Cap145.27M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
Yearly Dividend0.15
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.54
Fwd PE N/A
P/S 2.83
P/FCF N/A
P/OCF N/A
P/B 1.35
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.34
EY8.66%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.47
BVpS11.46
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 11.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.42%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)157.6%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%339.31%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.33%
Revenue growth 3Y17.14%
Revenue growth 5Y22.54%
Sales Q2Q%-1.41%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A