Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $116.81M
• Dividend Yield: 1.51%
• Average Volume (3M): 43.66K
• Price to Earnings (P/E): 18.9
• 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: 1.50
• Enterprise Value/Revenue: 2.32
• Enterprise Value/Gross Profit: 3.27
• Enterprise Value/Ebitda: 20.10
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 0.28
• Revenue Forecast (FY): $59.50M

• Rating: 60 Neutral
• Price Target: $5.50 ▲(5.77% Upside)
• Action: Reiterated Date: 04/03/26
• Date: Action: Reiterated 04/03/26

The score is driven primarily by mid-range fundamentals: improving revenue and good cash conversion are offset by modest margins, low ROE, and declining free cash flow. Technicals are constructive with price above major moving averages and positive MACD, while valuation is only fair given the current profitability. Recent corporate actions (buyback and balance-sheet repositioning to lift yields) provide a supportive, incremental tailwind.

Positive Factors

Revenue growth momentum

A pronounced step-up in TTM revenue signals expanding core lending and deposit activity, strengthening the bank's recurring earning base. Sustained top-line growth supports internal funding capacity and resilience to cyclical pressures over the next 2–6 months.

Negative Factors

Modest profitability and low ROE

Subdued margins and a roughly 3% ROE constrain the bank’s ability to generate shareholder returns and build capital through earnings. Over a multi-quarter horizon this reduces flexibility for reinvestment and makes capital allocation choices (dividend, buybacks) more difficult.

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, incl...

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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, incl...

How the Company Makes Money

Riverview Bancorp makes money primarily through its banking subsidiary by (1) earning net interest income—the spread between interest earned on interest-earning assets (such as loans to commercial and consumer customers and other interest-earning ...

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Riverview Bancorp makes money primarily through its banking subsidiary by (1) earning net interest income—the spread between interest earned on interest-earning assets (such as loans to commercial and consumer customers and other interest-earning ...

Riverview Bancorp Financial Statement Overview

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: Negative
• 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 5.42, below the 50-day MA of 5.37, and below the 200-day MA of 5.21, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 55.17 is Neutral, neither overbought nor oversold. The STOCH value of 67.85 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	$115.83M	8.58	9.18%	1.81%	12.08%	27.88%
PROV	69 Neutral	$109.20M	17.90	5.14%	3.50%	0.99%	-16.23%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFBC	65 Neutral	$114.63M	15.59	6.70%	1.75%	2.85%	73.41%
RVSB	60 Neutral	$116.81M	18.92	2.98%	1.51%	8.77%	369.81%
SRBK	59 Neutral	$134.23M	35.78	1.57%	0.88%	9.43%	166.36%
UNB	53 Neutral	$112.68M	9.78	14.80%	6.08%	14.52%	27.90%

Riverview Bancorp Corporate Events