RVSB Fundamental Analysis - RIVERVIEW BANCORP INC

Fundamental Rating

Overall RVSB gets a fundamental rating of 3 out of 10. We evaluated RVSB against 392 industry peers in the Banks industry. RVSB has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, RVSB is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year RVSB was profitable.

RVSB had a positive operating cash flow in the past year.

In the past 5 years RVSB has always been profitable.

RVSB had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

RVSB has a worse Return On Assets (0.32%) than 83.67% of its industry peers.

Looking at the Return On Equity, with a value of 3.07%, RVSB is doing worse than 83.93% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.32%
ROE	3.07%
ROIC	N/A

ROA(3y)0.57%

ROA(5y)0.73%

ROE(3y)5.72%

ROE(5y)7.59%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

RVSB has a Profit Margin of 9.70%. This is amonst the worse of the industry: RVSB underperforms 83.67% of its industry peers.

In the last couple of years the Profit Margin of RVSB has declined.

RVSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	9.7%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-35.52%

PM growth 5Y-18.6%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for RVSB has been reduced compared to 5 years ago.

The debt/assets ratio for RVSB is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of RVSB is 5.25, which is a neutral value as it means it would take RVSB, 5.25 years of fcf income to pay off all of its debts.

With a Debt to FCF ratio value of 5.25, RVSB is not doing good in the industry: 70.41% of the companies in the same industry are doing better.

RVSB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.

With a Debt to Equity ratio value of 0.18, RVSB perfoms like the industry average, outperforming 46.94% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	5.25
Altman-Z	N/A

ROIC/WACCN/A

WACC12.86%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 140.00% over the past year.

The earnings per share for RVSB have been decreasing by -20.63% on average. This is quite bad

The Revenue has been growing slightly by 4.70% in the past year.

The Revenue has been decreasing by -2.72% on average over the past years.

EPS 1Y (TTM)140%

EPS 3Y-38.53%

EPS 5Y-20.63%

EPS Q2Q%20%

Revenue 1Y (TTM)4.7%

Revenue growth 3Y-5.71%

Revenue growth 5Y-2.72%

Sales Q2Q%8.85%

3.2 Future

Based on estimates for the next years, RVSB will show a very strong growth in Earnings Per Share. The EPS will grow by 36.48% on average per year.

The Revenue is expected to grow by 11.94% on average over the next years. This is quite good.

EPS Next Y6.43%

EPS Next 2Y36.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year12.35%

Revenue Next 2Y11.94%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

RVSB is valuated rather expensively with a Price/Earnings ratio of 20.33.

Based on the Price/Earnings ratio, RVSB is valued expensively inside the industry as 80.61% of the companies are valued cheaper.

RVSB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.54.

Based on the Price/Forward Earnings ratio of 11.39, the valuation of RVSB can be described as reasonable.

65.31% of the companies in the same industry are cheaper than RVSB, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of RVSB to the average of the S&P500 Index (35.28), we can say RVSB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	20.33
Fwd PE	11.39

4.2 Price Multiples

RVSB's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. RVSB is more expensive than 71.17% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	18.42
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RVSB does not grow enough to justify the current Price/Earnings ratio.

RVSB's earnings are expected to grow with 36.48% in the coming years. This may justify a more expensive valuation.

PEG (NY)3.16

PEG (5Y)N/A

EPS Next 2Y36.48%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

RVSB has a Yearly Dividend Yield of 1.63%. Purely for dividend investing, there may be better candidates out there.

In the last 3 months the price of RVSB has falen by -20.65%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.

Compared to an average industry Dividend Yield of 3.51, RVSB is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.40, RVSB is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.63%

5.2 History

The dividend of RVSB decreases each year by -7.82%.

RVSB has been paying a dividend for at least 10 years, so it has a reliable track record.

Dividend Growth(5Y)-7.82%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

RVSB pays out 51.62% of its income as dividend. This is a bit on the high side, but may be sustainable.

DP51.62%

EPS Next 2Y36.48%

EPS Next 3YN/A

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (8/7/2025, 8:00:01 PM)

After market: 4.88 0 (0%)

4.88

-0.08 (-1.61%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-29 2025-07-29/amc

Earnings (Next)10-22 2025-10-22

Inst Owners70.03%

Inst Owner Change0.38%

Ins Owners3.32%

Ins Owner Change0.5%

Market Cap102.38M

Analysts82.86

Price Target7.14 (46.31%)

Short Float %2%

Short Ratio1.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.63%

Yearly Dividend0.12

Dividend Growth(5Y)-7.82%

DP51.62%

Div Incr Years0

Div Non Decr Years0

Ex-Date07-10 2025-07-10 (0.02)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)55.23%

Min EPS beat(2)47.06%

Max EPS beat(2)63.4%

EPS beat(4)3

Avg EPS beat(4)40.93%

Min EPS beat(4)-18.3%

Max EPS beat(4)71.57%

EPS beat(8)3

Avg EPS beat(8)-53.64%

EPS beat(12)5

Avg EPS beat(12)-36.46%

EPS beat(16)8

Avg EPS beat(16)-19.57%

Revenue beat(2)1

Avg Revenue beat(2)0.52%

Min Revenue beat(2)-0.96%

Max Revenue beat(2)1.99%

Revenue beat(4)2

Avg Revenue beat(4)0.43%

Min Revenue beat(4)-2.06%

Max Revenue beat(4)2.72%

Revenue beat(8)3

Avg Revenue beat(8)-1.49%

Revenue beat(12)5

Avg Revenue beat(12)-1.7%

Revenue beat(16)7

Avg Revenue beat(16)-0.67%

PT rev (1m)0%

PT rev (3m)12%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.31%

Revenue NY rev (1m)0%

Revenue NY rev (3m)3.35%

Valuation

		Industry Rank	Sector Rank
PE	20.33
Fwd PE	11.39
P/S	2.02
P/FCF	18.42
P/OCF	12.38
P/B	0.64
P/tB	0.77
EV/EBITDA	N/A

EPS(TTM)0.24

EY4.92%

EPS(NY)0.43

Fwd EY8.78%

FCF(TTM)0.26

FCFY5.43%

OCF(TTM)0.39

OCFY8.08%

SpS2.41

BVpS7.63

TBVpS6.33

PEG (NY)3.16

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.32%
ROE	3.07%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	9.7%
GM	N/A
FCFM	10.98%

ROA(3y)0.57%

ROA(5y)0.73%

ROE(3y)5.72%

ROE(5y)7.59%

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 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-35.52%

PM growth 5Y-18.6%

GM growth 3YN/A

GM growth 5YN/A

F-Score8

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	5.25
Debt/EBITDA	N/A
Cap/Depr	81.54%
Cap/Sales	5.36%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	113.25%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC12.86%

ROIC/WACCN/A

Cap/Depr(3y)156.4%

Cap/Depr(5y)134.42%

Cap/Sales(3y)8.25%

Cap/Sales(5y)7.29%

Profit Quality(3y)116.35%

Profit Quality(5y)121.31%

High Growth Momentum

Growth

EPS 1Y (TTM)140%

EPS 3Y-38.53%

EPS 5Y-20.63%

EPS Q2Q%20%

EPS Next Y6.43%

EPS Next 2Y36.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.7%

Revenue growth 3Y-5.71%

Revenue growth 5Y-2.72%

Sales Q2Q%8.85%

Revenue Next Year12.35%

Revenue Next 2Y11.94%

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 1Y-22.19%

FCF growth 3Y-25.07%

FCF growth 5Y-15.59%

OCF growth 1Y-35.16%

OCF growth 3Y-20.5%

OCF growth 5Y-12.28%

RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens