Riverview Bancorp Inc (RVSB)
NASDAQ:RVSB
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Riverview Bancorp
(NASDAQ:RVSB)
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Rating:58Neutral
Price Target:
$6.00
â–˛(15.38% Upside)
Action:Reiterated
Date:06/13/26
Overall score reflects weak recent profitability (net loss and revenue decline) partially offset by improved leverage and continued positive operating/free cash flow. Technicals are constructive with an established uptrend, while valuation is constrained by negative earnings; recent corporate actions could improve net interest income but came with a near-term realized loss.
Positive Factors
Improved Leverage
Material leverage improvement provides durable balance sheet stability. Lower debt and a sizable equity buffer versus assets give the bank flexibility to withstand credit cycles, support lending, maintain regulatory ratios, and execute strategic actions without immediate capital raises.
Negative Factors
Profitability Deterioration
A swing to a net loss and meaningful revenue decline reflects sustained pressure on core margins or loan/fee volumes. Over several quarters this undermines retained earnings, limits reinvestment, and raises risk that profitability may take multiple quarters to restore to prior levels.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Material leverage improvement provides durable balance sheet stability. Lower debt and a sizable equity buffer versus assets give the bank flexibility to withstand credit cycles, support lending, maintain regulatory ratios, and execute strategic actions without immediate capital raises.
Read all positive factors
Riverview Bancorp (RVSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$117.65M
Dividend Yield1.51%
Average Volume (3M)43.66K
Price to Earnings (P/E)―
Beta (1Y)0.17
Revenue Growth-11.57%
EPS Growth-191.02%
CountryUS
Employees226
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.21
Shares Outstanding20,284,946
10 Day Avg. Volume61,553
30 Day Avg. Volume43,656
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)0.79
Price to Sales (P/S)1.77
P/FCF Ratio10.19
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue2.24
Enterprise Value/Gross Profit3.47
Enterprise Value/Ebitda-44.08
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.34
Revenue Forecast (FY)$62.60M
Riverview Bancorp Business Overview & Revenue Model
Company Description
Riverview Bancorp, Inc. functions as the holding company for Riverview Community Bank, delivering commercial banking services primarily to small and medium-sized enterprises, professional individuals, and those aiming to build personal wealth. The...
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 ...
Riverview Bancorp Financial Statement Overview
Summary
Income Statement
38
Negative
Balance Sheet
66
Positive
Cash Flow
58
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 64.74M | 73.22M | 66.80M | 67.86M | 62.57M |
| Gross Profit | 41.83M | 50.50M | 48.33M | 63.05M | 64.99M |
| EBITDA | -2.44M | 9.56M | 7.36M | 26.37M | 31.80M |
| Net Income | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M |
Balance Sheet | |||||
| Total Assets | 1.46B | 1.51B | 1.52B | 1.59B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 338.12M | 43.45M | 166.84M | 233.79M | 407.45M |
| Total Debt | 45.30M | 105.59M | 117.48M | 152.90M | 29.12M |
| Total Liabilities | 1.32B | 1.35B | 1.37B | 1.43B | 1.58B |
| Stockholders Equity | 145.64M | 160.01M | 155.59M | 155.24M | 157.25M |
Cash Flow | |||||
| Free Cash Flow | 11.25M | 5.56M | 7.14M | 8.61M | 13.21M |
| Operating Cash Flow | 12.04M | 8.27M | 12.75M | 13.57M | 16.46M |
| Investing Cash Flow | 118.33M | 13.33M | 63.56M | -76.25M | -221.66M |
| Financing Cash Flow | -42.91M | -15.82M | -74.71M | -156.71M | 181.21M |
Riverview Bancorp Technical Analysis
Positive
5.20
Price Trends
5.54
Positive
5.44
Positive
5.29
Positive
Market Momentum
0.08
Positive
56.52
Neutral
26.66
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 5.70, below the 50-day MA of 5.54, and below the 200-day MA of 5.29, indicating a bullish trend. The MACD of 0.08 indicates Positive momentum. The RSI at 56.52 is Neutral, neither overbought nor oversold. The STOCH value of 26.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RVSB.
Riverview Bancorp Risk Analysis
Riverview Bancorp disclosed 30 risk factors in its most recent earnings report. Riverview Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Riverview Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $117.30M | 10.06 | 9.18% | 1.81% | 8.55% | 25.00% | |
70 Outperform | $138.20M | 30.06 | 2.44% | 0.88% | 15.21% | 2015.08% | |
68 Neutral | $112.47M | 14.84 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $105.31M | 17.59 | 4.77% | 3.50% | -1.84% | -3.36% | |
59 Neutral | $109.35M | 9.43 | 14.94% | 6.08% | 11.40% | 29.64% | |
58 Neutral | $117.65M | -27.62 | -2.73% | 1.51% | -11.57% | -191.02% |
* Financial Sector Average
RVSB
Riverview Bancorp
5.80
0.53
10.04%
MGYR
Magyar Bancorp
18.15
2.37
15.03%
PROV
Provident Financial Holdings
16.84
1.90
12.75%
UNB
Union Bankshares
23.70
-1.75
-6.87%
SFBC
Sound Financial Bancorp
43.83
-2.67
-5.74%
SRBK
SR Bancorp, Inc.
18.83
5.97
46.45%
Riverview Bancorp Corporate Events
Executive/Board Changes
Riverview Bancorp Announces Director Bradley Carlson’s Planned Resignation
Neutral
Apr 24, 2026
Riverview Bancorp, Inc. and its subsidiary Riverview Bank announced that director Bradley J. Carlson, who has served on their boards since December 17, 2014 and was first elected at the 2015 annual meeting, would not stand for re-election at the c...
Business Operations and StrategyExecutive/Board Changes
Riverview Bancorp Expands Board, Adds Technology and Real Estate Expertise
Positive
Apr 2, 2026
Riverview Bancorp, Inc., headquartered in Vancouver, Washington, is the parent of 103-year-old Riverview Bank and Riverview Trust Company, operating 17 branches and three lending centers with $1.51 billion in assets as of December 31, 2025. The co...
Business Operations and StrategyStock BuybackFinancial Disclosures
Riverview Bancorp Repositions Securities Portfolio for Higher Yields
Positive
Mar 26, 2026
On March 25, 2026, Riverview Bancorp announced a strategic balance sheet optimization in which it reclassified its entire held-to-maturity securities portfolio to available-for-sale and then sold $149.3 million of lower-yielding securities at an e...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.