RIVERVIEW BANCORP INC (RVSB)
US7693971001 - Common Stock
We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 412 industry peers in the Banks industry. Both the profitability and financial health of RVSB have multiple concerns. RVSB has a valuation in line with the averages, 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.
In the past year RVSB had a positive cash flow from operations.
RVSB had positive earnings in each of the past 5 years.
RVSB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
RVSB has a Return On Assets of 0.61%. This is in the lower half of the industry: RVSB underperforms 72.75% of its industry peers.
Looking at the Return On Equity, with a value of 6.15%, RVSB is doing worse than 74.21% of the companies in the same industry.
| 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
RVSB has a worse Profit Margin (18.02%) than 72.02% 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) | 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.
The number of shares outstanding for RVSB has been reduced compared to 5 years ago.
Compared to 1 year ago, RVSB has a worse debt to assets ratio.
2.2 Solvency
RVSB has a debt to FCF ratio of 1.96. This is a very positive value and a sign of high solvency as it would only need 1.96 years to pay back of all of its debts.
RVSB has a Debt to FCF ratio of 1.96. This is comparable to the rest of the industry: RVSB outperforms 59.61% of its industry peers.
RVSB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.18, RVSB is in line with its industry, outperforming 59.12% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.96 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RVSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -56.63%.
RVSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -14.11% yearly.
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)-56.63%
EPS 3Y-7.85%
EPS 5Y-14.11%
EPS growth Q2Q-71.43%
Revenue 1Y (TTM)-24.23%
Revenue growth 3Y-4.8%
Revenue growth 5Y-3.64%
Revenue growth Q2Q-38.79%
3.2 Future
Based on estimates for the next years, RVSB will show a small growth in Earnings Per Share. The EPS will grow by 1.00% on average per year.
RVSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.69% yearly.
EPS Next Y-0.83%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-4.68%
Revenue Next 2Y2.69%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.08, the valuation of RVSB can be described as very reasonable.
RVSB's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (28.15), we can say RVSB is valued rather cheaply.
RVSB is valuated reasonably with a Price/Forward Earnings ratio of 11.18.
RVSB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RVSB is more expensive than 63.26% of the companies in the same industry.
RVSB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 20.20.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.08 | ||
| Fwd PE | 11.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RVSB indicates a rather cheap valuation: RVSB is cheaper than 85.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.66 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RVSB has a Yearly Dividend Yield of 5.88%, which is a nice return.
RVSB's Dividend Yield is rather good when compared to the industry average which is at 3.67. RVSB pays more dividend than 90.75% of the companies in the same industry.
RVSB's Dividend Yield is rather good when compared to the S&P500 average which is at 2.33.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
5.2 History
On average, the dividend of RVSB grows each year by 20.04%, which is quite nice.
RVSB has paid a dividend for at least 10 years, which is a reliable track record.
RVSB has decreased its dividend in the last 3 years.
Dividend Growth(5Y)20.04%
Div Incr Years2
Div Non Decr Years2
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 the earnings are growing slower. This means the dividend growth is not sustainable.
DP52.39%
EPS Next 2Y1%
EPS Next 3YN/A
RIVERVIEW BANCORP INC
NASDAQ:RVSB (5/17/2024, 7:24:34 PM)
3.99
-0.09 (-2.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap84.23M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.88% |
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)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
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 | 11.08 | ||
| Fwd PE | 11.18 | ||
| 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)N/A
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)
Growth
EPS 1Y (TTM)-56.63%
EPS 3Y-7.85%
EPS 5Y
EPS growth Q2Q
EPS Next Y-0.83%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-24.23%
Revenue growth 3Y-4.8%
Revenue growth 5Y
Revenue growth 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