5.2 USD
0 (0%)
5.2 USD
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We assign a fundamental rating of 3 out of 10 to RVSB. RVSB was compared to 383 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
- 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.
- RVSB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.31%, RVSB is doing worse than 85.12% of the companies in the same industry.
- With a Return On Equity value of 2.88%, RVSB is not doing good in the industry: 84.60% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
- RVSB's Profit Margin of 8.96% is on the low side compared to the rest of the industry. RVSB is outperformed by 85.38% of its industry peers.
- 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) | 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
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
- Compared to 5 years ago, RVSB has less shares outstanding
- Compared to 1 year ago, RVSB has a worse debt to assets ratio.
2.2 Solvency
- RVSB has a debt to FCF ratio of 1.69. This is a very positive value and a sign of high solvency as it would only need 1.69 years to pay back of all of its debts.
- RVSB has a Debt to FCF ratio (1.69) which is comparable to the rest of the 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 of 0.18. This is comparable to the rest of the industry: RVSB outperforms 47.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.69 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13%
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 340.00% over the past year.
- Measured over the past years, RVSB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -20.63% on average per year.
- Looking at the last year, RVSB shows a quite strong growth in Revenue. The Revenue has grown by 13.19% in the last year.
- The Revenue has been decreasing by -2.72% on average over the past years.
EPS 1Y (TTM)340%
EPS 3Y-38.53%
EPS 5Y-20.63%
EPS Q2Q%-28.57%
Revenue 1Y (TTM)13.19%
Revenue growth 3Y-5.71%
Revenue growth 5Y-2.72%
Sales Q2Q%6.56%
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 26.35% on average per year.
- Based on estimates for the next years, RVSB will show a quite strong growth in Revenue. The Revenue will grow by 10.57% on average per year.
EPS Next Y-6.87%
EPS Next 2Y26.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year9.92%
Revenue Next 2Y10.57%
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
- Based on the Price/Earnings ratio of 23.64, the valuation of RVSB can be described as rather expensive.
- RVSB's Price/Earnings ratio is rather expensive when compared to the industry. RVSB is more expensive than 82.77% of the companies in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.47. RVSB is around the same levels.
- The Price/Forward Earnings ratio is 14.16, which indicates a correct valuation of RVSB.
- Based on the Price/Forward Earnings ratio, RVSB is valued a bit more expensive than the industry average as 71.80% of the companies are valued more cheaply.
- RVSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.64 | ||
| Fwd PE | 14.16 |
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 88.77% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.25 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- RVSB's earnings are expected to grow with 26.35% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y26.35%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- RVSB has a Yearly Dividend Yield of 1.58%. Purely for dividend investing, there may be better candidates out there.
- RVSB's Dividend Yield is slightly below the industry average, which is at 2.91.
- RVSB's Dividend Yield is comparable with the S&P500 average which is at 1.89.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
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
5.3 Sustainability
- RVSB pays out 35.78% of its income as dividend. This is a sustainable payout ratio.
DP35.78%
EPS Next 2Y26.35%
EPS Next 3YN/A
5.2
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2025-10-28/amc
Earnings (Next)01-22 2026-01-22
Inst Owners73.8%
Inst Owner Change0%
Ins Owners3.8%
Ins Owner Change0.44%
Market Cap107.90M
Revenue(TTM)52.52M
Net Income(TTM)4.70M
Analysts82.86
Price Target7.14 (37.31%)
Short Float %2.17%
Short Ratio9.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.58% |
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP35.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05 2026-01-05 (0.02)
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)-33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.64 | ||
| Fwd PE | 14.16 | ||
| P/S | 2.05 | ||
| P/FCF | 6.25 | ||
| P/OCF | 5.95 | ||
| P/B | 0.66 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.22
EY4.23%
EPS(NY)0.37
Fwd EY7.06%
FCF(TTM)0.83
FCFY16%
OCF(TTM)0.87
OCFY16.8%
SpS2.53
BVpS7.88
TBVpS6.57
PEG (NY)N/A
PEG (5Y)N/A
Graham Number6.25
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC13%
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)340%
EPS 3Y-38.53%
EPS 5Y-20.63%
EPS Q2Q%-28.57%
EPS Next Y-6.87%
EPS Next 2Y26.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)13.19%
Revenue growth 3Y-5.71%
Revenue growth 5Y-2.72%
Sales Q2Q%6.56%
Revenue Next Year9.92%
Revenue Next 2Y10.57%
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 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 decline by -6.87% in the next year.