Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $108.94M
• Dividend Yield: 1.52%
• Average Volume (3M): 40.33K
• Price to Earnings (P/E): 23.4
• Beta (1Y): 0.15
• 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: 36,105
• 30 Day Avg. Volume: 40,330
• 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: 1.52
• 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): 0.24
• Revenue Forecast (FY): $54.90M

• Rating: 61 Neutral
• Price Target: $5.50 ▲(4.76% 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. (RVSB) is a financial services company headquartered in Vancouver, Washington, primarily engaged in providing a range of banking products and services through its subsidiary, Riverview Community Bank. The company operates in the banking sector, catering to individual and business clients with services including commercial and consumer banking, mortgage lending, and investment services. Riverview Bancorp focuses on serving its local communities with a commitment to personalized customer service and community involvement.

How the Company Makes Money

Riverview Bancorp generates revenue primarily through interest income from loans and investments. The company's key revenue streams include interest earned on commercial and residential loans, as well as interest from investment securities. Additionally, it earns non-interest income through fees related to deposit accounts, loan origination fees, and various banking services. The bank's strategic focus on community banking allows it to cultivate strong relationships with customers, contributing to a stable deposit base and lending opportunities. Moreover, partnerships with local businesses and community organizations enhance its market presence and customer loyalty, further driving 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: Positive
• Last Price: 5.25
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 5.25 is below the 20-day moving average (MA) of 5.28, above the 50-day MA of 5.23, and below the 200-day MA of 5.37, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 51.48 is Neutral, neither overbought nor oversold. The STOCH value of 59.04 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	69 Neutral	$108.50M	10.78	8.51%	1.91%	12.08%	29.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UNB	66 Neutral	$103.29M	9.09	15.11%	6.39%	14.52%	27.90%
SFBC	63 Neutral	$113.50M	16.76	6.52%	1.73%	2.85%	73.41%
PROV	62 Neutral	$101.22M	17.13	4.68%	3.66%	0.99%	-16.23%
RVSB	61 Neutral	$108.94M	23.43	2.90%	1.52%	8.77%	369.81%
SRBK	56 Neutral	$117.69M	39.72	1.57%	0.98%	9.43%	166.36%

Riverview Bancorp Corporate Events

Riverview Bancorp Holds Annual Meeting, Elects Directors

Riverview Bancorp, Inc. held its Annual Meeting on August 28, 2025, where a quorum was present with 15,076,904 shares represented. During the meeting, Patricia W. Eby, Gerald L. Nies, and Valerie Moreno were elected as directors for a three-year term, and the executive compensation was approved by stockholders.

The most recent analyst rating on (RVSB) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on Riverview Bancorp stock, see the RVSB Stock Forecast page.

Riverview Bancorp Executives to Attend Raymond James Conference

Riverview Bancorp, Inc. announced that its top executives, including President and CEO Nicole Sherman, CFO David Lam, and COO Dan Cox, will participate in a one-on-one information update at the Raymond James 2025 U.S Bank and Banking on Tech Conferences on September 4th, 2025. This engagement is likely to provide insights into the company’s strategic direction and technological advancements, potentially impacting its operations and industry positioning.

The most recent analyst rating on (RVSB) stock is a Hold with a $5.50 price target. To see the full list of analyst forecasts on Riverview Bancorp stock, see the RVSB Stock Forecast page.

Riverview Bancorp Reports Strong Q1 2026 Earnings

Riverview Bancorp, Inc., headquartered in Vancouver, Washington, operates as a community bank offering financial services to commercial, business, and retail clients across Southwest Washington and Northwest Oregon. The company recently reported its earnings for the first fiscal quarter of 2026, highlighting a net income of $1.2 million, which translates to $0.06 per diluted share. This marks an improvement from the previous quarter and the same quarter last year, driven by an increase in net interest income and a higher net interest margin.