Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $128.37M
• Dividend Yield: 1.31%
• Average Volume (3M): 143.46K
• Price to Earnings (P/E): 26.3
• Beta (1Y): 0.15
• Revenue Growth: 9.61%
• EPS Growth: 29.84%
• Country: US
• Employees: 226
• Sector: Financial
• Sector Strength: 85
• Industry: Banks - Regional
• EPS (TTM): 0.23
• Shares Outstanding: 20,976,200
• 10 Day Avg. Volume: 263,178
• 30 Day Avg. Volume: 143,462
• PEG Ratio: 0.05
• Price to Book (P/B): 0.81
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -33.26
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $7.00
• Price Target Upside: 14.75% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

Riverview Bancorp's overall stock score reflects a mixed performance. Strong gross profit margins and stable technical indicators are offset by high valuation concerns and cash flow challenges. While the promotion of an executive signals strategic focus, the high P/E ratio and negative cash flow growth warrant cautious optimism.

Riverview Bancorp Business Overview & Revenue Model

Company Description

Riverview Bancorp, Inc., a bank holding company for Riverview Community Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also provides commercial business, commercial and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, it is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates through a network of 17 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

How the Company Makes Money

Riverview Bancorp makes money primarily through the interest income generated from its lending activities, which include residential mortgage loans, commercial real estate loans, and consumer loans. The company also earns revenue through non-interest income sources such as service charges on deposit accounts, fees from loan origination, and investment advisory fees. Additionally, Riverview Bancorp benefits from strategic partnerships with financial service providers, which enhance its product offerings and contribute to its earnings. The company's profitability is influenced by factors such as interest rate spreads, loan demand, and local economic conditions.

Riverview Bancorp Financial Statement Overview

Summary

Riverview Bancorp displays a mixed financial performance. While the company maintains a strong gross profit margin and a stable balance sheet with manageable leverage, declining net profit margins, negative revenue growth, and cash flow challenges pose concerns. Focus on improving profitability and cash flow generation is essential to strengthen financial health.

Income Statement

The income statement shows mixed results for Riverview Bancorp. The TTM (Trailing-Twelve-Months) gross profit margin is consistent at 100%, reflecting efficient cost management. However, the net profit margin has significantly declined to 1.26% from prior periods, indicating decreased profitability. Revenue growth rate is negative compared to the previous year, signaling potential challenges in generating sales. EBIT and EBITDA margins have also decreased, highlighting reduced operating efficiency.

Balance Sheet

Riverview Bancorp's balance sheet is relatively stable with a debt-to-equity ratio of 0.72, indicating moderate leverage. The equity ratio stands at 10.49%, showing a solid equity base relative to total assets. However, the return on equity (ROE) has decreased to 0.5%, suggesting diminished profitability from equity investments. Overall, the company maintains a balanced financial structure with manageable debt levels.

Cash Flow

The cash flow statement reveals some concerns. Free cash flow has turned negative in the TTM period, and the free cash flow growth rate is negative, indicating cash management challenges. The operating cash flow to net income ratio is 0.69, showing less cash generated from operations relative to net earnings. Additionally, the free cash flow to net income ratio is negative, emphasizing potential liquidity issues.

Breakdown
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
56.88M	48.33M	63.80M	60.37M	56.01M	58.09M
	Gross Profit
54.48M	48.33M	63.80M	60.37M	56.01M	58.09M
	EBIT
17.79M	4.60M	27.74M	33.87M	13.45M	20.58M
	EBITDA
2.00M	7.36M	26.37M	31.80M	16.66M	23.54M
	Net Income Common Stockholders
787.00K	3.80M	18.07M	21.82M	10.47M	15.75M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
23.64M	166.84M	233.79M	407.45M	481.96M	190.51M
	Total Assets
1.52B	1.52B	1.59B	1.74B	1.55B	1.18B
	Total Debt
123.93M	117.48M	152.90M	29.12M	29.08M	29.03M
	Net Debt
100.29M	93.83M	130.61M	-212.56M	-236.58M	-13.19M
	Total Liabilities
1.37B	1.37B	152.90M	1.58B	29.08M	29.03M
	Stockholders Equity
155.59M	155.59M	155.24M	157.25M	151.59M	148.84M
Cash Flow		Free Cash Flow
-3.88M	7.14M	8.61M	13.21M	20.61M	12.96M
	Operating Cash Flow
542.00K	12.75M	13.57M	16.46M	24.17M	15.92M
	Investing Cash Flow
64.52M	63.56M	-76.25M	-221.66M	-150.25M	-878.00K
	Financing Cash Flow
-77.27M	-74.71M	-156.71M	181.21M	349.52M	3.98M

Riverview Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVSB, the sentiment is Positive. The current price of 6.1 is above the 20-day moving average (MA) of 6.06, above the 50-day MA of 5.72, and above the 200-day MA of 5.20, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 56.66 is Neutral, neither overbought nor oversold. The STOCH value of 21.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RVSB.

Riverview Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SBFG	72 Outperform	$128.87M	11.65	8.80%	2.84%	7.38%	-3.85%
FNWD	72 Outperform	$130.82M	39.17	2.18%	1.19%	-7.64%	-78.60%
Sector *	64 Neutral	$12.75B	9.93	7.86%	17015.07%	12.19%	-5.92%
MNSB	61 Neutral	$152.00M	14.43	-5.01%	2.03%	5.38%	-165.79%
RVSB	60 Neutral	$128.37M	26.29	3.11%	1.31%	9.61%	29.84%
RMBI	60 Neutral	$148.31M	16.17	6.82%	4.00%	13.55%	3.11%

Riverview Bancorp Corporate Events

Riverview Bancorp Executives to Attend Investor Meetings

Riverview Bancorp, Inc. announced that its top executives, including President and CEO Nicole Sherman, CFO David Lam, and COO Dan Cox, will participate in the Raymond James Small Cap Day III Investor Meetings in New York City on March 18th, 2025, and in Boston, Massachusetts on March 19th, 2025. These meetings aim to provide information updates to current and prospective investors, highlighting the company’s strategic initiatives and future outlook, potentially impacting investor relations and market positioning.