RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis

NASDAQ:RVSB • US7693971001

5.41 USD
0 (0%)
At close: Feb 26, 2026
5.41 USD
0 (0%)
After Hours: 2/26/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 379 industry peers in the Banks industry. Both the profitability and financial health of RVSB have multiple concerns. While showing a medium growth rate, RVSB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

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.
  • Each year in the past 5 years RVSB has been profitable.
  • In the past 5 years RVSB always reported a positive cash flow from operatings.
RVSB Yearly Net Income VS EBIT VS OCF VS FCFRVSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

1.2 Ratios

  • The Return On Assets of RVSB (0.31%) is worse than 85.49% of its industry peers.
  • RVSB has a worse Return On Equity (2.88%) than 84.96% of its industry peers.
Industry RankSector Rank
ROA 0.31%
ROE 2.88%
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
RVSB Yearly ROA, ROE, ROICRVSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 8.96%, RVSB is not doing good in the industry: 85.22% of the companies in the same industry are doing better.
  • RVSB's Profit Margin has declined in the last couple of years.
  • The Operating Margin and Gross Margin are not available for RVSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 8.96%
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
RVSB Yearly Profit, Operating, Gross MarginsRVSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • RVSB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, RVSB has a worse debt to assets ratio.
RVSB Yearly Shares OutstandingRVSB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
RVSB Yearly Total Debt VS Total AssetsRVSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B

2.2 Solvency

  • The Debt to FCF ratio of RVSB is 1.69, which is an excellent value as it means it would take RVSB, only 1.69 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 1.69, RVSB is in line with its industry, outperforming 53.30% 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.
  • RVSB has a Debt to Equity ratio (0.18) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.69
Altman-Z N/A
ROIC/WACCN/A
WACC12.77%
RVSB Yearly LT Debt VS Equity VS FCFRVSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RVSB Yearly Current Assets VS Current LiabilitesRVSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • RVSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 475.00%, which is quite impressive.
  • RVSB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -20.63% yearly.
  • Looking at the last year, RVSB shows a quite strong growth in Revenue. The Revenue has grown by 15.17% in the last year.
  • RVSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.72% yearly.
EPS 1Y (TTM)475%
EPS 3Y-38.53%
EPS 5Y-20.63%
EPS Q2Q%16.67%
Revenue 1Y (TTM)15.17%
Revenue growth 3Y-5.71%
Revenue growth 5Y-2.72%
Sales Q2Q%10.37%

3.2 Future

  • Based on estimates for the next years, RVSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.88% on average per year.
  • RVSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.44% yearly.
EPS Next Y2%
EPS Next 2Y11.43%
EPS Next 3Y16.88%
EPS Next 5YN/A
Revenue Next Year11.34%
Revenue Next 2Y10.57%
Revenue Next 3Y8.44%
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.
  • 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.
RVSB Yearly Revenue VS EstimatesRVSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20M 40M 60M
RVSB Yearly EPS VS EstimatesRVSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.52 indicates a rather expensive valuation of RVSB.
  • 83.91% of the companies in the same industry are cheaper than RVSB, based on the Price/Earnings ratio.
  • RVSB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.21.
  • The Price/Forward Earnings ratio is 18.94, which indicates a rather expensive current valuation of RVSB.
  • 77.31% of the companies in the same industry are cheaper than RVSB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 28.13. RVSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 23.52
Fwd PE 18.94
RVSB Price Earnings VS Forward Price EarningsRVSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, RVSB is valued cheaply inside the industry as 89.18% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.49
EV/EBITDA N/A
RVSB Per share dataRVSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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 16.88% in the coming years.
PEG (NY)11.76
PEG (5Y)N/A
EPS Next 2Y11.43%
EPS Next 3Y16.88%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • RVSB has a Yearly Dividend Yield of 1.50%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.74, RVSB is paying slightly less dividend.
  • RVSB's Dividend Yield is comparable with the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 1.5%

5.2 History

  • The dividend of RVSB decreases each year by -7.82%.
  • RVSB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-7.82%
Div Incr Years0
Div Non Decr Years0
RVSB Yearly Dividends per shareRVSB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.05 0.1 0.15 0.2

5.3 Sustainability

  • 35.78% of the earnings are spent on dividend by RVSB. This is a low number and sustainable payout ratio.
DP35.78%
EPS Next 2Y11.43%
EPS Next 3Y16.88%
RVSB Yearly Income VS Free CF VS DividendRVSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
RVSB Dividend Payout.RVSB Dividend Payout, showing the Payout Ratio.RVSB Dividend Payout.PayoutRetained Earnings

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (2/26/2026, 4:30:02 PM)

After market: 5.41 0 (0%)

5.41

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners73.8%
Inst Owner Change-1.31%
Ins Owners3.8%
Ins Owner Change0.28%
Market Cap112.04M
Revenue(TTM)53.84M
Net Income(TTM)4.70M
Analysts82.86
Price Target7.14 (31.98%)
Short Float %2.59%
Short Ratio9.91
Dividend
Industry RankSector Rank
Dividend Yield 1.5%
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP35.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.33%
Min EPS beat(2)-18.3%
Max EPS beat(2)17.65%
EPS beat(4)3
Avg EPS beat(4)27.45%
Min EPS beat(4)-18.3%
Max EPS beat(4)63.4%
EPS beat(8)4
Avg EPS beat(8)-53.23%
EPS beat(12)4
Avg EPS beat(12)-38.29%
EPS beat(16)7
Avg EPS beat(16)-27.37%
Revenue beat(2)0
Avg Revenue beat(2)-2.01%
Min Revenue beat(2)-2.2%
Max Revenue beat(2)-1.81%
Revenue beat(4)1
Avg Revenue beat(4)-0.74%
Min Revenue beat(4)-2.2%
Max Revenue beat(4)1.99%
Revenue beat(8)2
Avg Revenue beat(8)-4.39%
Revenue beat(12)3
Avg Revenue beat(12)-2.15%
Revenue beat(16)5
Avg Revenue beat(16)-1.94%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)9.52%
EPS NY rev (3m)15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 23.52
Fwd PE 18.94
P/S 2.13
P/FCF 6.49
P/OCF 6.18
P/B 0.69
P/tB 0.82
EV/EBITDA N/A
EPS(TTM)0.23
EY4.25%
EPS(NY)0.29
Fwd EY5.28%
FCF(TTM)0.83
FCFY15.41%
OCF(TTM)0.88
OCFY16.18%
SpS2.54
BVpS7.9
TBVpS6.58
PEG (NY)11.76
PEG (5Y)N/A
Graham Number6.39
Profitability
Industry RankSector Rank
ROA 0.31%
ROE 2.88%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 8.96%
GM N/A
FCFM 32.87%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.69
Debt/EBITDA N/A
Cap/Depr 25.07%
Cap/Sales 1.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 366.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.77%
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)475%
EPS 3Y-38.53%
EPS 5Y-20.63%
EPS Q2Q%16.67%
EPS Next Y2%
EPS Next 2Y11.43%
EPS Next 3Y16.88%
EPS Next 5YN/A
Revenue 1Y (TTM)15.17%
Revenue growth 3Y-5.71%
Revenue growth 5Y-2.72%
Sales Q2Q%10.37%
Revenue Next Year11.34%
Revenue Next 2Y10.57%
Revenue Next 3Y8.44%
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 1Y114.18%
FCF growth 3Y-25.07%
FCF growth 5Y-15.59%
OCF growth 1Y18.25%
OCF growth 3Y-20.5%
OCF growth 5Y-12.28%

RIVERVIEW BANCORP INC / RVSB FAQ

What is the fundamental rating for RVSB stock?

ChartMill assigns a fundamental rating of 3 / 10 to RVSB.


What is the valuation status of RIVERVIEW BANCORP INC (RVSB) stock?

ChartMill assigns a valuation rating of 3 / 10 to RIVERVIEW BANCORP INC (RVSB). This can be considered as Overvalued.


How profitable is RIVERVIEW BANCORP INC (RVSB) stock?

RIVERVIEW BANCORP INC (RVSB) has a profitability rating of 2 / 10.


What is the financial health of RIVERVIEW BANCORP INC (RVSB) stock?

The financial health rating of RIVERVIEW BANCORP INC (RVSB) is 3 / 10.


What is the earnings growth outlook for RIVERVIEW BANCORP INC?

The Earnings per Share (EPS) of RIVERVIEW BANCORP INC (RVSB) is expected to grow by 2% in the next year.