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RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis

NASDAQ:RVSB - Nasdaq - US7693971001 - Common Stock - Currency: USD

5.14  -0.05 (-0.96%)

After market: 5.39 +0.25 (+4.86%)

Fundamental Rating

2

Taking everything into account, RVSB scores 2 out of 10 in our fundamental rating. RVSB was compared to 405 industry peers in the Banks industry. Both the profitability and financial health of RVSB have multiple concerns. RVSB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

RVSB had positive earnings in the past year.
RVSB had a positive operating cash flow in the past year.
Each year in the past 5 years RVSB has been profitable.
Each year in the past 5 years RVSB had a positive operating cash flow.
RVSB Yearly Net Income VS EBIT VS OCF VS FCFRVSB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

1.2 Ratios

RVSB's Return On Assets of 0.05% is on the low side compared to the rest of the industry. RVSB is outperformed by 90.48% of its industry peers.
RVSB has a Return On Equity of 0.50%. This is amonst the worse of the industry: RVSB underperforms 90.48% of its industry peers.
Industry RankSector Rank
ROA 0.05%
ROE 0.5%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)9.32%
ROE(5y)9.09%
ROIC(3y)N/A
ROIC(5y)N/A
RVSB Yearly ROA, ROE, ROICRVSB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

RVSB has a worse Profit Margin (1.68%) than 90.48% of its industry peers.
RVSB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for RVSB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 1.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.08%
PM growth 5Y-23.34%
GM growth 3YN/A
GM growth 5YN/A
RVSB Yearly Profit, Operating, Gross MarginsRVSB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

2. Health

2.1 Basic Checks

RVSB does not have a ROIC to compare to the WACC, probably because it is not profitable.
RVSB has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RVSB has less shares outstanding
Compared to 1 year ago, RVSB has a worse debt to assets ratio.
RVSB Yearly Shares OutstandingRVSB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
RVSB Yearly Total Debt VS Total AssetsRVSB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

RVSB has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.18, RVSB perfoms like the industry average, outperforming 52.88% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.34%
RVSB Yearly LT Debt VS Equity VS FCFRVSB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
RVSB Yearly Current Assets VS Current LiabilitesRVSB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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3

3. Growth

3.1 Past

RVSB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -91.30%.
Measured over the past years, RVSB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -25.23% on average per year.
RVSB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -13.55%.
Measured over the past years, RVSB shows a decrease in Revenue. The Revenue has been decreasing by -3.64% on average per year.
EPS 1Y (TTM)-91.3%
EPS 3Y-26.86%
EPS 5Y-25.23%
EPS Q2Q%-14.29%
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-4.8%
Revenue growth 5Y-3.64%
Sales Q2Q%2.82%

3.2 Future

The Earnings Per Share is expected to grow by 31.36% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 5.36% on average over the next years.
EPS Next Y13.33%
EPS Next 2Y16.62%
EPS Next 3Y31.36%
EPS Next 5YN/A
Revenue Next Year-4.48%
Revenue Next 2Y4.29%
Revenue Next 3Y5.36%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
RVSB Yearly Revenue VS EstimatesRVSB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M
RVSB Yearly EPS VS EstimatesRVSB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 128.50, which means the current valuation is very expensive for RVSB.
89.47% of the companies in the same industry are cheaper than RVSB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (29.63), we can say RVSB is valued expensively.
RVSB is valuated rather expensively with a Price/Forward Earnings ratio of 21.00.
Based on the Price/Forward Earnings ratio, RVSB is valued a bit more expensive than 77.19% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of RVSB to the average of the S&P500 Index (22.68), we can say RVSB is valued inline with the index average.
Industry RankSector Rank
PE 128.5
Fwd PE 21
RVSB Price Earnings VS Forward Price EarningsRVSB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RVSB Per share dataRVSB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates RVSB does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as RVSB's earnings are expected to grow with 31.36% in the coming years.
PEG (NY)9.64
PEG (5Y)N/A
EPS Next 2Y16.62%
EPS Next 3Y31.36%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.54%, RVSB has a reasonable but not impressive dividend return.
RVSB's Dividend Yield is slightly below the industry average, which is at 3.18.
RVSB's Dividend Yield is slightly below the S&P500 average, which is at 2.27.
Industry RankSector Rank
Dividend Yield 1.54%

5.2 History

On average, the dividend of RVSB grows each year by 11.42%, which is quite nice.
RVSB has paid a dividend for at least 10 years, which is a reliable track record.
RVSB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)11.42%
Div Incr Years8
Div Non Decr Years8
RVSB Yearly Dividends per shareRVSB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

429.10% of the earnings are spent on dividend by RVSB. This is not a sustainable payout ratio.
RVSB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP429.1%
EPS Next 2Y16.62%
EPS Next 3Y31.36%
RVSB Yearly Income VS Free CF VS DividendRVSB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
RVSB Dividend Payout.RVSB Dividend Payout, showing the Payout Ratio.RVSB Dividend Payout.PayoutRetained Earnings

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (2/21/2025, 8:00:01 PM)

After market: 5.39 +0.25 (+4.86%)

5.14

-0.05 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-30 2025-01-30/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners68.8%
Inst Owner Change4.86%
Ins Owners3.55%
Ins Owner Change9.82%
Market Cap108.61M
Analysts82.86
Price Target6.38 (24.12%)
Short Float %0.24%
Short Ratio1.48
Dividend
Industry RankSector Rank
Dividend Yield 1.54%
Yearly Dividend0.24
Dividend Growth(5Y)11.42%
DP429.1%
Div Incr Years8
Div Non Decr Years8
Ex-Date01-02 2025-01-02 (0.02)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)59.31%
Min EPS beat(2)47.06%
Max EPS beat(2)71.57%
EPS beat(4)2
Avg EPS beat(4)-114.3%
Min EPS beat(4)-557.52%
Max EPS beat(4)71.57%
EPS beat(8)2
Avg EPS beat(8)-65.03%
EPS beat(12)4
Avg EPS beat(12)-41.9%
EPS beat(16)8
Avg EPS beat(16)-22.12%
Revenue beat(2)1
Avg Revenue beat(2)0.88%
Min Revenue beat(2)-0.96%
Max Revenue beat(2)2.72%
Revenue beat(4)1
Avg Revenue beat(4)-6.44%
Min Revenue beat(4)-25.47%
Max Revenue beat(4)2.72%
Revenue beat(8)2
Avg Revenue beat(8)-2.62%
Revenue beat(12)4
Avg Revenue beat(12)-2.04%
Revenue beat(16)7
Avg Revenue beat(16)-0.53%
PT rev (1m)19.05%
PT rev (3m)19.05%
EPS NQ rev (1m)-25%
EPS NQ rev (3m)-57.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-2.36%
Revenue NQ rev (3m)-6.06%
Revenue NY rev (1m)-1.21%
Revenue NY rev (3m)-1.21%
Valuation
Industry RankSector Rank
PE 128.5
Fwd PE 21
P/S 2.32
P/FCF N/A
P/OCF 200.38
P/B 0.69
P/tB 0.83
EV/EBITDA N/A
EPS(TTM)0.04
EY0.78%
EPS(NY)0.24
Fwd EY4.76%
FCF(TTM)-0.18
FCFYN/A
OCF(TTM)0.03
OCFY0.5%
SpS2.21
BVpS7.49
TBVpS6.2
PEG (NY)9.64
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.05%
ROE 0.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 1.68%
GM N/A
FCFM N/A
ROA(3y)0.88%
ROA(5y)0.93%
ROE(3y)9.32%
ROE(5y)9.09%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-25.08%
PM growth 5Y-23.34%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 135.16%
Cap/Sales 9.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC10.34%
ROIC/WACCN/A
Cap/Depr(3y)159.99%
Cap/Depr(5y)138.05%
Cap/Sales(3y)8.26%
Cap/Sales(5y)7.24%
Profit Quality(3y)98.75%
Profit Quality(5y)115.11%
High Growth Momentum
Growth
EPS 1Y (TTM)-91.3%
EPS 3Y-26.86%
EPS 5Y-25.23%
EPS Q2Q%-14.29%
EPS Next Y13.33%
EPS Next 2Y16.62%
EPS Next 3Y31.36%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-4.8%
Revenue growth 5Y-3.64%
Sales Q2Q%2.82%
Revenue Next Year-4.48%
Revenue Next 2Y4.29%
Revenue Next 3Y5.36%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-123.12%
FCF growth 3Y-29.77%
FCF growth 5Y-17.86%
OCF growth 1Y-97.47%
OCF growth 3Y-19.19%
OCF growth 5Y-8.74%