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. RVSB is quite expensive at the moment. It does show a decent growth rate.

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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.

Each year in the past 5 years RVSB has been profitable.

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

1.2 Ratios

RVSB has a worse Return On Assets (0.05%) than 88.86% of its industry peers.

RVSB has a Return On Equity of 0.50%. This is amonst the worse of the industry: RVSB underperforms 89.62% 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 Profit Margin of 1.69%. This is amonst the worse of the industry: RVSB underperforms 89.11% of its industry peers.

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

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)	1.69%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-35.53%

PM growth 5Y-18.61%

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.

Compared to 1 year ago, RVSB has less shares outstanding

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

The debt/assets ratio for RVSB has remained at the same level 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.

The Debt to Equity ratio of RVSB (0.18) is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC11.04%

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

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

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)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

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

Based on the Price/Earnings ratio of 23.28, 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 83.04% of the companies listed in the same industry.

When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (26.34), we can say RVSB is valued inline with the index average.

The Price/Forward Earnings ratio is 21.88, which indicates a rather expensive current valuation of RVSB.

Compared to the rest of the industry, the Price/Forward Earnings ratio of RVSB indicates a rather expensive valuation: RVSB more expensive than 80.00% of the companies listed in the same industry.

RVSB's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.03.

		Industry Rank	Sector Rank
PE	23.28
Fwd PE	21.88

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)3.62

PEG (5Y)N/A

EPS Next 2Y36.48%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.50%, RVSB has a reasonable but not impressive dividend return.

RVSB's Dividend Yield is slightly below the industry average, which is at 3.61.

RVSB's Dividend Yield is slightly below the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	1.5%

5.2 History

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

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

Dividend Growth(5Y)11.42%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

427.85% 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.

DP427.85%

EPS Next 2Y36.48%

EPS Next 3YN/A

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (6/23/2025, 12:21:08 PM)

5.355

+0.03 (+0.47%)

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 Owners70.03%

Inst Owner Change1.13%

Ins Owners3.32%

Ins Owner Change10.16%

Market Cap112.35M

Analysts82.86

Price Target7.14 (33.33%)

Short Float %0.4%

Short Ratio0.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.5%

Yearly Dividend0.24

Dividend Growth(5Y)11.42%

DP427.85%

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)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)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.54%

Valuation

		Industry Rank	Sector Rank
PE	23.28
Fwd PE	21.88
P/S	2.4
P/FCF	N/A
P/OCF	274.02
P/B	0.71
P/tB	0.85
EV/EBITDA	N/A

EPS(TTM)0.23

EY4.3%

EPS(NY)0.24

Fwd EY4.57%

FCF(TTM)-0.19

FCFYN/A

OCF(TTM)0.02

OCFY0.36%

SpS2.23

BVpS7.58

TBVpS6.28

PEG (NY)3.62

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)	1.69%
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-35.53%

PM growth 5Y-18.61%

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	135.17%
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

WACC11.04%

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-126.26%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-97.91%

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

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