RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis
NASDAQ:RVSB - US7693971001 - Common Stock
5.06 USD
-0.05 (-0.98%)
5.06 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 393 industry peers in the Banks industry. RVSB may be in some trouble as it scores bad on both profitability and health. RVSB is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RVSB was profitable.
In the past year RVSB had a positive cash flow from operations.
Each year in the past 5 years RVSB has been profitable.
Each year in the past 5 years RVSB had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.32%, RVSB is not doing good in the industry: 82.44% of the companies in the same industry are doing better.
With a Return On Equity value of 3.07%, RVSB is not doing good in the industry: 83.46% of the companies in the same industry are doing better.
| 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
With a Profit Margin value of 9.70%, RVSB is not doing good in the industry: 83.72% of the companies in the same industry are doing better.
RVSB's Profit Margin has declined in the last couple of years.
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
2. Health
2.1 Basic Checks
RVSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RVSB has been reduced compared to 1 year ago.
Compared to 5 years ago, RVSB has less shares outstanding
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.
RVSB has a worse Debt to FCF ratio (5.25) than 68.19% 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.
RVSB has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: RVSB outperforms 47.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 5.25 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.21%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 140.00% over the past year.
RVSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -20.63% yearly.
RVSB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.70%.
Measured over the past years, RVSB shows a decrease in Revenue. The Revenue has been decreasing by -2.72% on average per year.
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
The Earnings Per Share is expected to grow by 36.48% on average over the next years. This is a very strong growth
Based on estimates for the next years, RVSB will show a quite strong growth in Revenue. The Revenue will grow by 11.94% on average per year.
EPS Next Y6.43%
EPS Next 2Y36.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year11.34%
Revenue Next 2Y11.94%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
A Price/Earnings ratio of 21.08 indicates a rather expensive valuation of RVSB.
RVSB's Price/Earnings ratio is rather expensive when compared to the industry. RVSB is more expensive than 80.92% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.08. RVSB is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 11.81 indicates a reasonable valuation of RVSB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RVSB indicates a slightly more expensive valuation: RVSB is more expensive than 63.61% of the companies listed in the same industry.
RVSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.08 | ||
| Fwd PE | 11.81 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RVSB indicates a slightly more expensive valuation: RVSB is more expensive than 67.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as RVSB's earnings are expected to grow with 36.48% in the coming years.
PEG (NY)3.28
PEG (5Y)N/A
EPS Next 2Y36.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.57%, RVSB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, RVSB is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.34, RVSB is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
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
5.06
-0.05 (-0.98%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners73.43%
Inst Owner Change8.99%
Ins Owners3.19%
Ins Owner Change0.8%
Market Cap106.01M
Analysts82.86
Price Target7.14 (41.11%)
Short Float %2%
Short Ratio2.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.57% |
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP51.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)0%
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)0%
Revenue NY rev (1m)-0.9%
Revenue NY rev (3m)-0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.08 | ||
| Fwd PE | 11.81 | ||
| P/S | 2.09 | ||
| P/FCF | 19.08 | ||
| P/OCF | 12.82 | ||
| P/B | 0.66 | ||
| P/tB | 0.8 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.24
EY4.74%
EPS(NY)0.43
Fwd EY8.47%
FCF(TTM)0.27
FCFY5.24%
OCF(TTM)0.39
OCFY7.8%
SpS2.42
BVpS7.64
TBVpS6.34
PEG (NY)3.28
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
WACC13.21%
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 Year11.34%
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%