RIVERVIEW BANCORP INC (RVSB) Fundamental Analysis & Valuation

NASDAQ:RVSB • US7693971001

Current stock price

5.48 USD
+0.01 (+0.18%)
At close:
5.48 USD
0 (0%)
After Hours:

This RVSB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. RVSB Profitability Analysis

1.1 Basic Checks

  • In the past year RVSB was profitable.
  • In the past year RVSB had a positive cash flow from operations.
  • RVSB had positive earnings in each of the past 5 years.
  • RVSB had a positive operating cash flow in each of the past 5 years.
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

  • Looking at the Return On Assets, with a value of 0.32%, RVSB is doing worse than 87.63% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 2.95%, RVSB is doing worse than 87.11% of the companies in the same industry.
Industry RankSector Rank
ROA 0.32%
ROE 2.95%
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

  • RVSB's Profit Margin of 9.01% is on the low side compared to the rest of the industry. RVSB is outperformed by 86.84% 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 RankSector Rank
OM N/A
PM (TTM) 9.01%
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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3

2. RVSB Health Analysis

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.
  • The number of shares outstanding for RVSB has been reduced compared to 5 years ago.
  • RVSB has a worse debt/assets ratio than last year.
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

  • RVSB has a debt to FCF ratio of 2.00. This is a very positive value and a sign of high solvency as it would only need 2.00 years to pay back of all of its debts.
  • RVSB has a Debt to FCF ratio of 2.00. This is comparable to the rest of the industry: RVSB outperforms 48.95% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 0.18
Debt/FCF 2
Altman-Z N/A
ROIC/WACCN/A
WACC12.79%
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. RVSB Growth Analysis

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.
  • The earnings per share for RVSB have been decreasing by -20.63% on average. This is quite bad
  • RVSB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 15.17%.
  • 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)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

  • The Earnings Per Share is expected to grow by 16.88% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.44% on average over the next years. This is quite good.
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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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2

4. RVSB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.83 indicates a rather expensive valuation of RVSB.
  • Based on the Price/Earnings ratio, RVSB is valued more expensive than 85.53% of the companies in the same industry.
  • RVSB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.60.
  • With a Price/Forward Earnings ratio of 19.19, RVSB is valued on the expensive side.
  • Based on the Price/Forward Earnings ratio, RVSB is valued a bit more expensive than the industry average as 78.16% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.84. RVSB is around the same levels.
Industry RankSector Rank
PE 23.83
Fwd PE 19.19
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

  • 82.11% of the companies in the same industry are more expensive than RVSB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.76
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.
  • RVSB's earnings are expected to grow with 16.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)11.91
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. RVSB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.45%, RVSB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, RVSB is paying slightly less dividend.
  • RVSB's Dividend Yield is slightly below the S&P500 average, which is at 1.88.
Industry RankSector Rank
Dividend Yield 1.45%

5.2 History

  • The dividend of RVSB decreases each year by -7.82%.
  • RVSB has been paying a dividend for at least 10 years, so it has 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

  • RVSB pays out 34.61% of its income as dividend. This is a sustainable payout ratio.
DP34.61%
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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RVSB Fundamentals: All Metrics, Ratios and Statistics

RIVERVIEW BANCORP INC

NASDAQ:RVSB (4/2/2026, 8:00:02 PM)

After market: 5.48 0 (0%)

5.48

+0.01 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners71.63%
Inst Owner Change-1.31%
Ins Owners3.82%
Ins Owner Change0.19%
Market Cap113.49M
Revenue(TTM)53.84M
Net Income(TTM)4.85M
Analysts82.86
Price Target7.14 (30.29%)
Short Float %3.02%
Short Ratio11.37
Dividend
Industry RankSector Rank
Dividend Yield 1.45%
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP34.61%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)26.63%
Min EPS beat(2)-18.3%
Max EPS beat(2)71.57%
EPS beat(4)3
Avg EPS beat(4)33.58%
Min EPS beat(4)-18.3%
Max EPS beat(4)71.57%
EPS beat(8)5
Avg EPS beat(8)-40.36%
EPS beat(12)5
Avg EPS beat(12)-32.16%
EPS beat(16)7
Avg EPS beat(16)-23.03%
Revenue beat(2)1
Avg Revenue beat(2)-0.64%
Min Revenue beat(2)-1.81%
Max Revenue beat(2)0.54%
Revenue beat(4)2
Avg Revenue beat(4)-0.37%
Min Revenue beat(4)-2.2%
Max Revenue beat(4)1.99%
Revenue beat(8)3
Avg Revenue beat(8)-3.41%
Revenue beat(12)4
Avg Revenue beat(12)-1.87%
Revenue beat(16)6
Avg Revenue beat(16)-1.62%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.67%
EPS NY rev (1m)0%
EPS NY rev (3m)9.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 23.83
Fwd PE 19.19
P/S 2.11
P/FCF 7.76
P/OCF 7.36
P/B 0.69
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)0.23
EY4.2%
EPS(NY)0.29
Fwd EY5.21%
FCF(TTM)0.71
FCFY12.88%
OCF(TTM)0.74
OCFY13.58%
SpS2.6
BVpS7.93
TBVpS6.62
PEG (NY)11.91
PEG (5Y)N/A
Graham Number6.41
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 2.95%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.01%
GM N/A
FCFM 27.16%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 2
Debt/EBITDA N/A
Cap/Depr 23.08%
Cap/Sales 1.47%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 301.55%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC12.79%
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 1Y-4.24%
FCF growth 3Y-25.07%
FCF growth 5Y-15.59%
OCF growth 1Y-21.32%
OCF growth 3Y-20.5%
OCF growth 5Y-12.28%

RIVERVIEW BANCORP INC / RVSB Fundamental Analysis 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 2 / 10 to RIVERVIEW BANCORP INC (RVSB). This can be considered as Overvalued.


Can you provide the profitability details for RIVERVIEW BANCORP INC?

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


Can you provide the PE and PB ratios for RVSB stock?

The Price/Earnings (PE) ratio for RIVERVIEW BANCORP INC (RVSB) is 23.83 and the Price/Book (PB) ratio is 0.69.


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.