Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $104.37M
• Dividend Yield: 1.51%
• Average Volume (3M): 43.66K
• Price to Earnings (P/E): 22.4
• Beta (1Y): 0.12
• Revenue Growth: 8.77%
• EPS Growth: 369.81%
• Country: US
• Employees: 226
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.05
• Shares Outstanding: 20,750,376
• 10 Day Avg. Volume: 61,553
• 30 Day Avg. Volume: 43,656
• PEG Ratio: 0.88
• Price to Book (P/B): 0.75
• Price to Sales (P/S): 1.64
• P/FCF Ratio: 21.67
• Enterprise Value/Market Cap: 1.59
• Enterprise Value/Revenue: 2.23
• Enterprise Value/Gross Profit: 3.21
• Enterprise Value/Ebitda: 16.58
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $5.50 ▲(8.48% Upside)

Riverview Bancorp's overall stock score is primarily influenced by its financial performance and valuation. The company shows stable revenue growth but faces profitability and cash flow challenges. The technical analysis indicates a lack of strong momentum, and the valuation suggests the stock may be overvalued. These factors collectively result in a moderate overall stock score.

Positive Factors

Revenue Growth

Steady revenue growth indicates the company's ability to expand its market presence and maintain customer relationships, supporting long-term business stability.

Profitability Margins

A strong gross profit margin reflects efficient cost management and pricing power, which can sustain profitability over time despite industry pressures.

Community Banking Focus

A focus on community banking enhances customer loyalty and provides a stable deposit base, which is crucial for long-term growth and resilience against economic fluctuations.

Negative Factors

Profitability Pressure

Decreasing margins suggest rising costs or competitive pressures, which could impact future profitability and require strategic adjustments to maintain earnings.

Cash Flow Challenges

Negative cash flow growth indicates potential liquidity issues, limiting the company's ability to invest in growth opportunities or weather financial downturns.

Leverage Concerns

Moderate leverage is typical for banks but can constrain financial flexibility, especially if profitability pressures persist, impacting long-term financial health.

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 generates revenue primarily through interest income from loans, which constitutes a significant portion of its revenue model. The bank offers various loan products, including commercial, residential, and consumer loans, earning interest on these loans over their life spans. Additionally, the company earns non-interest income through fees for services such as account maintenance, transaction services, and investment advisory. Key revenue streams include interest from the bank's investment securities and gains from the sale of loans. Riverview Bancorp may also engage in partnerships with local businesses and community organizations, enhancing its ability to attract deposits and expand its lending capabilities, which further contributes to its earnings.

Riverview Bancorp Financial Statement Overview

Summary

Riverview Bancorp shows solid revenue growth and stable profitability margins, but there is a downward trend in profitability. The balance sheet is moderately leveraged, typical for the banking sector, with room for improved returns on equity. Cash flow challenges are evident, with negative free cash flow growth and low cash flow ratios, indicating potential liquidity concerns.

Income Statement

Riverview Bancorp has shown a positive revenue growth rate of 1.41% TTM, indicating a steady increase in revenue. The gross profit margin is strong at 69.46%, and the net profit margin is reasonable at 6.95%. However, these margins have decreased compared to previous years, suggesting some pressure on profitability. The EBIT and EBITDA margins are moderate, reflecting operational efficiency but also indicating room for improvement.

Balance Sheet

The debt-to-equity ratio of 0.86 TTM suggests a moderate level of leverage, which is typical for regional banks. Return on equity is modest at 3.22%, indicating efficient use of equity but with potential for better returns. The equity ratio of 10.68% shows a stable capital structure, though slightly lower than ideal for risk mitigation.

Cash Flow

The cash flow statement reveals challenges, with a negative free cash flow growth rate of -109.75% TTM, indicating cash flow issues. The operating cash flow to net income ratio is very low, suggesting limited cash generation from operations. The free cash flow to net income ratio is negative, highlighting concerns about cash flow sustainability.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	74.25M	73.22M	66.80M	67.86M	62.57M	59.43M
Gross Profit	51.58M	50.50M	48.33M	63.05M	64.99M	49.71M
EBITDA	9.99M	9.56M	7.36M	26.37M	31.80M	16.66M
Net Income	5.16M	4.90M	3.80M	18.07M	21.82M	10.47M
Balance Sheet
Total Assets	1.52B	1.51B	1.52B	1.59B	1.74B	1.55B
Cash, Cash Equivalents and Short-Term Investments	46.53M	43.45M	166.84M	233.79M	407.45M	481.96M
Total Debt	131.69M	105.59M	117.48M	152.90M	29.12M	29.08M
Total Liabilities	1.35B	1.35B	1.37B	1.43B	1.58B	1.40B
Stockholders Equity	162.00M	160.01M	155.59M	155.24M	157.25M	151.59M
Cash Flow
Free Cash Flow	-542.00K	5.56M	7.14M	8.61M	13.21M	20.61M
Operating Cash Flow	2.14M	8.27M	12.75M	13.57M	16.46M	24.17M
Investing Cash Flow	28.77M	13.33M	63.56M	-76.25M	-221.66M	-150.25M
Financing Cash Flow	-24.54M	-15.82M	-74.71M	-156.71M	181.21M	349.52M

Riverview Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.07
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 Negative. The current price of 5.07 is below the 20-day moving average (MA) of 5.18, below the 50-day MA of 5.21, and below the 200-day MA of 5.35, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 45.36 is Neutral, neither overbought nor oversold. The STOCH value of 58.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RVSB.

Riverview Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
UNB	75 Outperform	$112.73M	9.92	15.11%	6.08%	14.52%	27.90%
MGYR	69 Neutral	$114.47M	11.30	8.51%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	67 Neutral	$126.99M	43.82	1.57%	0.88%	9.43%	166.36%
PROV	63 Neutral	$104.37M	17.87	4.68%	3.50%	0.99%	-16.23%
SFBC	63 Neutral	$112.14M	16.56	6.52%	1.75%	2.85%	73.41%
RVSB	61 Neutral	$104.37M	22.45	2.90%	1.51%	8.77%	369.81%