Riverview Bancorp (RVSB) AI Stock Analysis

• Market Cap: $107.28M
• Dividend Yield: 1.51%
• Average Volume (3M): 43.66K
• Price to Earnings (P/E): 22.3
• Beta (1Y): 0.13
• 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: 20,750,376
• 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: 1.57
• Enterprise Value/Revenue: 2.22
• Enterprise Value/Gross Profit: 3.13
• Enterprise Value/Ebitda: 19.27
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $5.50 ▲(5.77% Upside)

The score is primarily driven by mixed financial performance: steady revenue and decent margins are offset by declining profitability and notably weak cash flow. Technical signals are mostly neutral-to-slightly bearish, valuation looks only moderately attractive, and the buyback announcement adds a modest positive catalyst.

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., 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

Mixed fundamentals: revenue improved sharply in the latest TTM, and leverage has moderated, but profitability and returns have fallen materially versus 2022–2023. Cash flow is positive but volatile with weaker conversion versus earnings, which reduces confidence in earnings quality.

Income Statement

Revenue improved into 2025, including a sharp jump in 2025-09-30 TTM (Trailing-Twelve-Months) (+57.8% growth), but profitability has compressed materially versus the very strong 2022–2023 period. Net profit margin is now ~6–7% in 2024–2025 vs. ~28–36% in 2022–2023, and operating profitability (EBIT/EBITDA margins) shows the same downshift. Overall: clear top-line improvement, but earnings power and margins look structurally lower and less consistent year-to-year.

Balance Sheet

Leverage looks moderate-to-improving recently, with debt-to-equity stepping down to ~0.50 in 2025-09-30 TTM (Trailing-Twelve-Months) from higher levels in 2023–2024 (near ~0.98 and ~0.76). However, returns on equity have also fallen to ~3% in 2024–2025 from ~12–14% in 2022–2023, suggesting the balance sheet is currently generating weaker profitability. Overall: healthier leverage profile lately, but lower returns temper the strength of the setup.

Cash Flow

Operating cash flow is positive and stronger in 2025-09-30 TTM (Trailing-Twelve-Months) ($18.1M) versus the prior annual period ($8.3M), and free cash flow is positive as well. That said, free cash flow growth is very volatile and negative in the latest TTM, and cash generation relative to reported earnings is inconsistent (free cash flow to net income turns negative in the latest TTM after being solidly positive in prior years). Overall: cash flow is currently positive, but the volatility and weaker conversion from earnings reduce confidence.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 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	43.45M	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: 5.20
• 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 above the 20-day moving average (MA) of 5.13, above the 50-day MA of 5.18, and below the 200-day MA of 5.32, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 63.55 is Neutral, neither overbought nor oversold. The STOCH value of 73.38 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
UNB	74 Outperform	$114.06M	10.24	15.11%	6.08%	14.52%	27.90%
MGYR	72 Outperform	$114.14M	10.26	8.51%	1.81%	12.08%	27.88%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SRBK	67 Neutral	$129.32M	45.90	1.57%	0.88%	9.43%	166.36%
SFBC	64 Neutral	$112.65M	15.85	6.52%	1.75%	2.85%	73.41%
PROV	64 Neutral	$104.62M	16.26	4.68%	3.50%	0.99%	-16.23%
RVSB	61 Neutral	$107.28M	22.30	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.