RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis
USA - NASDAQ:RVSB - US7693971001 - Common Stock
5.28 USD
+0.08 (+1.54%)
5.28 USD
0 (0%)
Overall RVSB gets a fundamental rating of 3 out of 10. We evaluated RVSB against 390 industry peers in the Banks industry. RVSB may be in some trouble as it scores bad on both profitability and health. RVSB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RVSB was profitable.
RVSB had a positive operating cash flow in the past year.
In the past 5 years RVSB has always been profitable.
Each year in the past 5 years RVSB had a positive operating cash flow.
1.2 Ratios
RVSB's Return On Assets of 0.34% is on the low side compared to the rest of the industry. RVSB is outperformed by 82.31% of its industry peers.
RVSB has a worse Return On Equity (3.19%) than 83.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.19% | ||
| 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 (9.99%) than 83.85% of its industry peers.
In the last couple of years the Profit Margin of RVSB has declined.
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) | 9.99% | ||
| 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.
RVSB has less shares outstanding than it did 1 year ago.
The number of shares outstanding for RVSB has been reduced compared to 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 48.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.96%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
RVSB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 140.00%, 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.
RVSB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.25%.
RVSB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -2.72% yearly.
EPS 1Y (TTM)140%
EPS 3Y-38.53%
EPS 5Y-20.63%
EPS Q2Q%20%
Revenue 1Y (TTM)10.25%
Revenue growth 3Y-5.71%
Revenue growth 5Y-2.72%
Sales Q2Q%8.85%
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 Y10.87%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 22.00, the valuation of RVSB can be described as rather expensive.
Based on the Price/Earnings ratio, RVSB is valued expensively inside the industry as 81.54% of the companies are valued cheaper.
The average S&P500 Price/Earnings ratio is at 26.89. RVSB is around the same levels.
With a Price/Forward Earnings ratio of 12.32, RVSB is valued correctly.
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 67.44% of the companies listed in the same industry.
RVSB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.99, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22 | ||
| Fwd PE | 12.32 |
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.
RVSB's earnings are expected to grow with 36.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.02
PEG (5Y)N/A
EPS Next 2Y36.48%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RVSB has a Yearly Dividend Yield of 1.54%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.53, RVSB is paying slightly less dividend.
RVSB's Dividend Yield is slightly below the S&P500 average, which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
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 32.60% of its income as dividend. This is a sustainable payout ratio.
DP32.6%
EPS Next 2Y36.48%
EPS Next 3YN/A
5.28
+0.08 (+1.54%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners76.66%
Inst Owner Change0.21%
Ins Owners3.24%
Ins Owner Change0.91%
Market Cap110.77M
Revenue(TTM)51.68M
Net Income(TTM)5.16M
Analysts82.86
Price Target7.14 (35.23%)
Short Float %1.49%
Short Ratio4.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.54% |
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP32.6%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)40.52%
Min EPS beat(2)17.65%
Max EPS beat(2)63.4%
EPS beat(4)4
Avg EPS beat(4)49.92%
Min EPS beat(4)17.65%
Max EPS beat(4)71.57%
EPS beat(8)4
Avg EPS beat(8)-51.18%
EPS beat(12)5
Avg EPS beat(12)-36.18%
EPS beat(16)8
Avg EPS beat(16)-23.59%
Revenue beat(2)1
Avg Revenue beat(2)-0.11%
Min Revenue beat(2)-2.2%
Max Revenue beat(2)1.99%
Revenue beat(4)2
Avg Revenue beat(4)0.39%
Min Revenue beat(4)-2.2%
Max Revenue beat(4)2.72%
Revenue beat(8)2
Avg Revenue beat(8)-4.58%
Revenue beat(12)4
Avg Revenue beat(12)-1.98%
Revenue beat(16)6
Avg Revenue beat(16)-1.46%
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)4.17%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22 | ||
| Fwd PE | 12.32 | ||
| P/S | 2.14 | ||
| P/FCF | N/A | ||
| P/OCF | 51.93 | ||
| P/B | 0.68 | ||
| P/tB | 0.82 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.24
EY4.55%
EPS(NY)0.43
Fwd EY8.11%
FCF(TTM)-0.03
FCFYN/A
OCF(TTM)0.1
OCFY1.93%
SpS2.46
BVpS7.72
TBVpS6.42
PEG (NY)2.02
PEG (5Y)N/A
Graham Number6.46
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 3.19% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.99% | ||
| 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
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-Score6
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 78.33% | ||
| Cap/Sales | 5.18% | ||
| 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-Score6
WACC12.96%
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 Y10.87%
EPS Next 2Y36.48%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.25%
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-104.52%
FCF growth 3Y-25.07%
FCF growth 5Y-15.59%
OCF growth 1Y-88.7%
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 for RVSB stock?
ChartMill assigns a valuation rating of 2 / 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.
Can you provide the financial health for RVSB stock?
The financial health rating of RIVERVIEW BANCORP INC (RVSB) is 2 / 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 10.87% in the next year.