Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $102.86M
• Dividend Yield: 1.56%
• Average Volume (3M): 72.50K
• Price to Earnings (P/E): 20.0
• Beta (1Y): 0.22
• Revenue Growth: 10.30%
• EPS Growth: 170.86%
• Country: US
• Employees: 226
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 0.06
• Shares Outstanding: 20,948,378
• 10 Day Avg. Volume: 49,678
• 30 Day Avg. Volume: 72,505
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 2.14
• Enterprise Value/Revenue: 3.01
• Enterprise Value/Gross Profit: 4.36
• Enterprise Value/Ebitda: 23.01
• 1Y Price Target: $5.50
• Price Target Upside: 7.21% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 60 Neutral
• Price Target: $5.50 ▲(7.21% Upside)

Riverview Bancorp's overall stock score is driven by stable financial performance and valuation concerns. The financial health is solid, with good profit margins and revenue growth, but operational efficiency and cash flow trends need improvement. Technical analysis indicates a bearish trend, and the valuation suggests the stock may be overvalued relative to its peers.

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 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 demonstrates stable financial health with robust profit margins and revenue growth. However, there is room for improvement in operational efficiency and shareholder returns. The balance sheet is stable, though cash flow trends warrant attention due to declining free cash flow growth.

Income Statement

Riverview Bancorp shows a solid financial performance with a TTM gross profit margin of 68.97% and a net profit margin of 6.69%. The revenue growth rate is 9.63% year-over-year, indicating positive revenue trajectory. However, the EBIT margin of 8.52% suggests room for improvement in operational efficiency.

Balance Sheet

The balance sheet reflects a stable equity base with an equity ratio of 10.57% and a manageable debt-to-equity ratio of 0.66. The return on equity is 3.06%, which is relatively low, suggesting that the company could enhance shareholder returns.

Cash Flow

Free cash flow declined by 22.19% in the TTM period, and the free cash flow to net income ratio is 1.13, indicating sufficient cash generation relative to net income. The operating cash flow to net income ratio of 1.69 suggests strong cash conversion, though the downward trend in free cash flow growth is a concern.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	73.22M	66.80M	67.86M	62.57M	59.43M
Gross Profit	50.50M	48.33M	63.05M	64.99M	49.71M
EBITDA	9.56M	7.36M	26.37M	31.80M	16.66M
Net Income	4.90M	3.80M	18.07M	21.82M	10.47M
Balance Sheet
Total Assets	1.51B	1.52B	1.59B	1.74B	1.55B
Cash, Cash Equivalents and Short-Term Investments	0.00	166.84M	233.79M	407.45M	481.96M
Total Debt	105.59M	117.48M	152.90M	29.12M	29.08M
Total Liabilities	1.35B	1.37B	1.43B	1.58B	1.40B
Stockholders Equity	160.01M	155.59M	155.24M	157.25M	151.59M
Cash Flow
Free Cash Flow	5.56M	7.14M	8.61M	13.21M	20.61M
Operating Cash Flow	8.27M	12.75M	13.57M	16.46M	24.17M
Investing Cash Flow	13.33M	63.56M	-76.25M	-221.66M	-150.25M
Financing Cash Flow	-15.82M	-74.71M	-156.71M	181.21M	349.52M

Riverview Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5.13
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• 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 5.13 is above the 20-day moving average (MA) of 5.03, below the 50-day MA of 5.32, and below the 200-day MA of 5.48, indicating a neutral trend. The MACD of -0.10 indicates Negative momentum. The RSI at 49.64 is Neutral, neither overbought nor oversold. The STOCH value of 39.80 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
SBFG	79 Outperform	$131.56M	11.38	9.23%	2.82%	9.87%	2.62%
RMBI	72 Outperform	$152.22M	15.48	7.23%	3.97%	9.70%	18.24%
FNWD	69 Neutral	$126.89M	23.74	3.51%	1.58%	-7.40%	-59.70%
Sector *	67 Neutral	¥850.21B	13.22	9.24%	2.92%	7.76%	9.30%
MNSB	64 Neutral	$167.60M	14.43	-4.04%	1.84%	4.08%	-172.13%
RVSB	60 Neutral	$102.86M	20.01	3.25%	1.56%	10.30%	170.86%
ECBK	―	$146.66M	27.01	3.18%	―	―	―

Riverview Bancorp Corporate Events

Riverview Bancorp Executives to Attend Investor Meetings

Riverview Bancorp, Inc. announced that its top executives, including President and CEO Nicole Sherman, CFO David Lam, and COO Dan Cox, will participate in the Raymond James Small Cap Day III Investor Meetings in New York City on March 18th, 2025, and in Boston, Massachusetts on March 19th, 2025. These meetings aim to provide information updates to current and prospective investors, highlighting the company’s strategic initiatives and future outlook, potentially impacting investor relations and market positioning.