RVSB Fundamental Analysis - RIVERVIEW BANCORP INC

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 395 industry peers in the Banks industry. RVSB may be in some trouble as it scores bad on both profitability and health. While showing a medium growth rate, RVSB is valued expensive at the moment.

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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.

In the past 5 years RVSB has always been profitable.

Of the past 5 years RVSB 4 years had a positive operating cash flow.

1.2 Ratios

RVSB's Return On Assets of 0.05% is on the low side compared to the rest of the industry. RVSB is outperformed by 88.89% of its industry peers.

RVSB has a worse Return On Equity (0.50%) than 89.65% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.5%
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 worse Profit Margin (1.68%) than 89.14% of its industry peers.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	1.68%
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.

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.

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

2.2 Solvency

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 45.96% of its industry peers.

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

ROIC/WACCN/A

WACC10.47%

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 27.78% over the past year.

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

RVSB shows a small growth in Revenue. In the last year, the Revenue has grown by 4.68%.

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

EPS 1Y (TTM)27.78%

EPS 3Y-38.53%

EPS 5Y-20.63%

EPS Q2Q%135.71%

Revenue 1Y (TTM)4.68%

Revenue growth 3Y-5.71%

Revenue growth 5Y-2.72%

Sales Q2Q%42.6%

3.2 Future

RVSB is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.48% yearly.

RVSB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 11.94% yearly.

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

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 24.17, the valuation of RVSB can be described as rather expensive.

Compared to the rest of the industry, the Price/Earnings ratio of RVSB indicates a rather expensive valuation: RVSB more expensive than 84.09% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (26.25), we can say RVSB is valued inline with the index average.

A Price/Forward Earnings ratio of 22.71 indicates a rather expensive valuation of RVSB.

RVSB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RVSB is more expensive than 79.80% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.15, RVSB is valued at the same level.

		Industry Rank	Sector Rank
PE	24.17
Fwd PE	22.71

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
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.

A more expensive valuation may be justified as RVSB's earnings are expected to grow with 36.48% in the coming years.

PEG (NY)3.76

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 1.43%.

RVSB's Dividend Yield is slightly below the industry average, which is at 3.44.

Compared to the average S&P500 Dividend Yield of 2.38, RVSB is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.43%

5.2 History

On average, the dividend of RVSB grows each year by 11.42%, which is quite nice.

RVSB has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)11.42%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

429.10% of the earnings are spent on dividend by RVSB. This is not a sustainable payout ratio.

RVSB's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP429.1%

EPS Next 2Y36.48%

EPS Next 3YN/A

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (5/30/2025, 8:00:01 PM)

After market: 5.56 0 (0%)

5.56

-0.02 (-0.36%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-29 2025-04-29/bmo

Earnings (Next)07-23 2025-07-23

Inst Owners68.8%

Inst Owner Change1.13%

Ins Owners3.55%

Ins Owner Change10.11%

Market Cap116.65M

Analysts82.86

Price Target7.14 (28.42%)

Short Float %0.25%

Short Ratio0.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.43%

Yearly Dividend0.24

Dividend Growth(5Y)11.42%

DP429.1%

Div Incr Years0

Div Non Decr Years0

Ex-Date04-14 2025-04-14 (0.02)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)59.31%

Min EPS beat(2)47.06%

Max EPS beat(2)71.57%

EPS beat(4)2

Avg EPS beat(4)-114.3%

Min EPS beat(4)-557.52%

Max EPS beat(4)71.57%

EPS beat(8)2

Avg EPS beat(8)-65.03%

EPS beat(12)4

Avg EPS beat(12)-41.9%

EPS beat(16)8

Avg EPS beat(16)-22.12%

Revenue beat(2)1

Avg Revenue beat(2)0.88%

Min Revenue beat(2)-0.96%

Max Revenue beat(2)2.72%

Revenue beat(4)1

Avg Revenue beat(4)-6.44%

Min Revenue beat(4)-25.47%

Max Revenue beat(4)2.72%

Revenue beat(8)2

Avg Revenue beat(8)-2.62%

Revenue beat(12)4

Avg Revenue beat(12)-2.04%

Revenue beat(16)7

Avg Revenue beat(16)-0.53%

PT rev (1m)12%

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)0%

Revenue NY rev (1m)3.35%

Revenue NY rev (3m)-0.54%

Valuation

		Industry Rank	Sector Rank
PE	24.17
Fwd PE	22.71
P/S	2.5
P/FCF	N/A
P/OCF	215.22
P/B	0.74
P/tB	0.89
EV/EBITDA	N/A

EPS(TTM)0.23

EY4.14%

EPS(NY)0.24

Fwd EY4.4%

FCF(TTM)-0.18

FCFYN/A

OCF(TTM)0.03

OCFY0.46%

SpS2.23

BVpS7.54

TBVpS6.24

PEG (NY)3.76

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.05%
ROE	0.5%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	1.68%
GM	N/A
FCFM	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

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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	135.16%
Cap/Sales	9.46%
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-Score4

WACC10.47%

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)27.78%

EPS 3Y-38.53%

EPS 5Y-20.63%

EPS Q2Q%135.71%

EPS Next Y6.43%

EPS Next 2Y36.48%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.68%

Revenue growth 3Y-5.71%

Revenue growth 5Y-2.72%

Sales Q2Q%42.6%

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-126.05%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-97.18%

OCF growth 3YN/A

OCF growth 5YN/A

RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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