RIVERVIEW BANCORP INC (RVSB) Fundamental Analysis & Valuation

NASDAQ:RVSB • US7693971001

5.35 USD
-0.13 (-2.37%)
Last: Mar 5, 2026, 02:51 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Overall RVSB gets a fundamental rating of 3 out of 10. We evaluated RVSB against 379 industry peers in the Banks industry. RVSB has a bad profitability rating. Also its financial health evaluation is rather negative. RVSB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. RVSB Profitability Analysis

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.
  • 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 0.31%, RVSB is doing worse than 86.54% of the companies in the same industry.
  • The Return On Equity of RVSB (2.88%) is worse than 85.75% of its industry peers.
Industry RankSector 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
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 has a worse Profit Margin (8.96%) than 86.02% 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 RankSector 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
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.
  • RVSB has less shares outstanding than it did 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

  • The Debt to FCF ratio of RVSB is 1.69, which is an excellent value as it means it would take RVSB, only 1.69 years of fcf income to pay off 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.
  • Looking at the Debt to Equity ratio, with a value of 0.18, RVSB is in line with its industry, outperforming 48.02% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.69
Altman-Z N/A
ROIC/WACCN/A
WACC12.76%
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

  • The Earnings Per Share has grown by an impressive 475.00% over the past year.
  • 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 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

  • Based on estimates for the next years, RVSB will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.88% on average per year.
  • 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

  • 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.
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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3

4. RVSB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 23.26 indicates a rather expensive valuation of RVSB.
  • Based on the Price/Earnings ratio, RVSB is valued more expensive than 85.22% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (27.03), we can say RVSB is valued inline with the index average.
  • The Price/Forward Earnings ratio is 18.73, which indicates a rather expensive current valuation of RVSB.
  • RVSB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RVSB is more expensive than 77.84% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 25.11. RVSB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 23.26
Fwd PE 18.73
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

  • 88.13% 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 6.42
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 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 16.88% in the coming years.
PEG (NY)11.63
PEG (5Y)N/A
EPS Next 2Y11.43%
EPS Next 3Y16.88%

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3

5. RVSB Dividend Analysis

5.1 Amount

  • RVSB has a Yearly Dividend Yield of 1.48%.
  • RVSB's Dividend Yield is slightly below the industry average, which is at 2.72.
  • RVSB's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.48%

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
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 35.78% of its income as dividend. This is a sustainable payout ratio.
DP35.78%
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 (3/5/2026, 2:51:31 PM)

5.35

-0.13 (-2.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-27
Inst Owners73.8%
Inst Owner Change-1.31%
Ins Owners3.8%
Ins Owner Change0.22%
Market Cap110.80M
Revenue(TTM)53.84M
Net Income(TTM)4.70M
Analysts82.86
Price Target7.14 (33.46%)
Short Float %2.77%
Short Ratio11.11
Dividend
Industry RankSector Rank
Dividend Yield 1.48%
Yearly Dividend0.12
Dividend Growth(5Y)-7.82%
DP35.78%
Div Incr Years0
Div Non Decr Years0
Ex-Date01-05
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)0%
EPS NY rev (1m)9.52%
EPS NY rev (3m)15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)1.29%
Valuation
Industry RankSector Rank
PE 23.26
Fwd PE 18.73
P/S 2.11
P/FCF 6.42
P/OCF 6.11
P/B 0.68
P/tB 0.81
EV/EBITDA N/A
EPS(TTM)0.23
EY4.3%
EPS(NY)0.29
Fwd EY5.34%
FCF(TTM)0.83
FCFY15.58%
OCF(TTM)0.88
OCFY16.36%
SpS2.54
BVpS7.9
TBVpS6.58
PEG (NY)11.63
PEG (5Y)N/A
Graham Number6.39
Profitability
Industry RankSector 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 RankSector 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
WACC12.76%
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 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 grow by 2% in the next year.