Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $110.80M
• Dividend Yield: 1.51%
• Average Volume (3M): 43.66K
• Price to Earnings (P/E): 23.1
• Beta (1Y): 0.17
• Revenue Growth: 8.77%
• EPS Growth: 369.81%
• Country: US
• Employees: 226
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.07
• Shares Outstanding: 20,710,901
• 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: 1.55
• Enterprise Value/Revenue: 2.27
• Enterprise Value/Gross Profit: 3.20
• Enterprise Value/Ebitda: 19.67
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.2
• Revenue Forecast (FY): $54.30M

• Rating: 57 Neutral
• Price Target: $5.50 ▲(5.77% Upside)
• Action: Reiterated Date: 02/19/26
• Date: Action: Reiterated 02/19/26

The score is driven primarily by mid-range financial performance: improved revenue and solid cash conversion are tempered by modest margins, low ROE, and declining free cash flow. Technicals are mildly positive with price above major moving averages, while valuation is less compelling given a ~23 P/E and modest ~1.5% yield. A recent buyback authorization is a supportive secondary positive.

Positive Factors

Revenue growth momentum

A sustained step-up in revenue indicates expanding loan production and service uptake across core markets. Durable top-line momentum supports ongoing investment in lending capacity and digital channels, improving the bank’s ability to scale revenue over the next several quarters.

Strong capital and credit metrics

High CET1 capital and very low net charge-offs provide a durable buffer against credit stress and regulatory pressure. This capital strength enables continued lending and investment in growth initiatives without immediate capital raises, supporting stability and disciplined expansion.

Solid cash conversion

Near-parity of free cash flow and net income shows earnings largely convert to cash, underpinning internal funding for operations, loan growth, and capital returns. Strong cash conversion enhances financial flexibility and reduces reliance on external financing.

Negative Factors

Modest profitability and margins

Net and EBIT margins remain subdued versus peers, limiting the bank’s ability to generate excess earnings from asset growth. Persistently modest margins constrain reinvestment, shareholder returns, and the ability to absorb higher expenses or competitive pricing pressure over time.

Low returns on equity

ROE near 3% implies weak profitability relative to the equity base, reducing the company’s capacity to generate attractive shareholder returns. Low ROE can pressure strategic choices, making it harder to justify long-term capital allocation unless profitability improves.

Declining and volatile free cash flow growth

A negative FCF growth trend and variability in operating cash flow weaken predictability of internal funding for growth and buybacks. This raises execution risk for strategic initiatives and reduces the margin for error if credit costs or funding costs rise.

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

Revenue has stepped up sharply versus the prior annual period, leverage is manageable and improving (lower debt-to-equity), and cash conversion is strong (FCF ~0.96x net income). Offsetting these positives, profitability is modest (net margin ~6%, EBIT ~8%), ROE is low (~3%), and free cash flow is declining (~-15%), keeping the overall financial profile mid-range.

Income Statement

TTM (Trailing-Twelve-Months) revenue shows a sharp step-up versus the prior annual period (growth of 1.344), but profitability is modest with net margin around 6% and EBIT margin around 8%. Earnings power is well below the unusually strong 2022–2023 period (when net margins were materially higher), suggesting a tougher operating backdrop and/or normalization from prior outsized results. Overall, top-line momentum is a positive, but the current profit level and margin compression vs. earlier years temper the score.

Balance Sheet

Leverage appears manageable and improving: debt-to-equity is about 0.55 in TTM (Trailing-Twelve-Months), down from ~0.66 in the latest annual period and below the higher leverage seen in 2023. Equity is sizable relative to debt, supporting balance-sheet resilience, but returns on equity are currently low (~3% in TTM (Trailing-Twelve-Months)), which points to weaker profitability on the capital base versus the stronger 2022–2023 levels. Net: solid capital/leverage profile with softer current returns.

Cash Flow

Cash generation is a relative bright spot: TTM (Trailing-Twelve-Months) free cash flow is strong and nearly matches net income (free cash flow to net income ~0.96), indicating earnings are translating into cash. However, free cash flow growth is negative (about -15%), and operating cash flow is more volatile across periods. Overall cash conversion is good, but the downtrend in free cash flow and variability reduce confidence.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	75.69M	73.22M	66.80M	67.86M	62.57M	59.43M
Gross Profit	53.74M	50.50M	48.33M	63.05M	64.99M	49.71M
EBITDA	8.73M	9.56M	7.36M	26.37M	31.80M	16.66M
Net Income	4.85M	4.90M	3.80M	18.07M	21.82M	10.47M
Balance Sheet
Total Assets	1.51B	1.51B	1.52B	1.59B	1.74B	1.55B
Cash, Cash Equivalents and Short-Term Investments	28.64M	43.45M	166.84M	233.79M	407.45M	481.96M
Total Debt	89.70M	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	164.22M	160.01M	155.59M	155.24M	157.25M	151.59M
Cash Flow
Free Cash Flow	14.62M	5.56M	7.14M	8.61M	13.21M	20.61M
Operating Cash Flow	15.41M	8.27M	12.75M	13.57M	16.46M	24.17M
Investing Cash Flow	1.75M	13.33M	63.56M	-76.25M	-221.66M	-150.25M
Financing Cash Flow	-13.87M	-15.82M	-74.71M	-156.71M	181.21M	349.52M

Riverview Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5.20
• 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 5.2 is below the 20-day moving average (MA) of 5.37, below the 50-day MA of 5.23, and below the 200-day MA of 5.26, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 52.53 is Neutral, neither overbought nor oversold. The STOCH value of 57.16 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
MGYR	75 Outperform	$113.49M	10.21	8.51%	1.81%	12.08%	27.88%
UNB	74 Outperform	$106.54M	9.57	15.11%	6.08%	14.52%	27.90%
PROV	69 Neutral	$102.00M	16.10	4.68%	3.50%	0.99%	-16.23%
SRBK	68 Neutral	$125.36M	45.66	1.57%	0.88%	9.43%	166.36%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	64 Neutral	$108.98M	15.33	6.52%	1.75%	2.85%	73.41%
RVSB	57 Neutral	$110.80M	23.08	2.90%	1.51%	8.77%	369.81%

Riverview Bancorp Corporate Events

Riverview Bancorp Announces $4 Million Stock Repurchase Program

On January 28, 2026, Riverview Bancorp announced that its board had adopted, on January 22, 2026, a stock repurchase program authorizing the company to buy back up to $4.0 million of its common shares in the open market or through privately negotiated transactions over a period of up to 12 months, signaling a continued focus on deploying excess capital to enhance shareholder value. The board also approved the use of a Rule 10b5-1 trading plan with Keefe, Bruyette & Woods to facilitate repurchases even during blackout periods, underscoring Riverview’s intention to execute the program in a structured manner, though the company emphasized there is no guarantee on the volume of shares ultimately repurchased and it may suspend or discontinue the program at any time.

The most recent analyst rating on (RVSB) stock is a Sell with a $5.00 price target. To see the full list of analyst forecasts on Riverview Bancorp stock, see the RVSB Stock Forecast page.