RIVERVIEW BANCORP INC(NASDAQ:RVSB) stock Fundamental Analysis

Fundamental Rating

RVSB gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. RVSB has a bad profitability rating. Also its financial health evaluation is rather negative. RVSB has a expensive valuation and it also scores bad on growth.

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1. Profitability

1.1 Basic Checks

RVSB had positive earnings in the past year.

In the past year RVSB had a positive cash flow from operations.

RVSB had positive earnings in each of the past 5 years.

In the past 5 years RVSB always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.05%, RVSB is doing worse than 89.95% of the companies in the same industry.

RVSB's Return On Equity of 0.50% is on the low side compared to the rest of the industry. RVSB is outperformed by 89.95% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

RVSB has a worse Profit Margin (1.68%) than 89.95% of its industry peers.

In the last couple of years the Profit Margin of RVSB has declined.

RVSB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

RVSB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, RVSB has less shares outstanding

RVSB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for RVSB is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.18 indicates that RVSB is not too dependend on debt financing.

RVSB has a Debt to Equity ratio of 0.18. This is comparable to the rest of the industry: RVSB outperforms 51.26% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.18
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.38%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for RVSB have decreased strongly by -91.30% in the last year.

The earnings per share for RVSB have been decreasing by -25.23% on average. This is quite bad

The Revenue for RVSB has decreased by -13.55% in the past year. This is quite bad

The Revenue has been decreasing by -3.64% on average over the past years.

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

RVSB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.36% yearly.

EPS Next Y13.33%

EPS Next 2Y16.62%

EPS Next 3Y31.36%

EPS Next 5YN/A

Revenue Next Year-3.7%

Revenue Next 2Y2.31%

Revenue Next 3Y5.36%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 142.00, which means the current valuation is very expensive for RVSB.

Based on the Price/Earnings ratio, RVSB is valued expensively inside the industry as 87.69% of the companies are valued cheaper.

When comparing the Price/Earnings ratio of RVSB to the average of the S&P500 Index (28.29), we can say RVSB is valued expensively.

With a Price/Forward Earnings ratio of 23.20, RVSB is valued on the expensive side.

Compared to the rest of the industry, the Price/Forward Earnings ratio of RVSB indicates a slightly more expensive valuation: RVSB is more expensive than 77.39% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, RVSB is valued at the same level.

		Industry Rank	Sector Rank
PE	142
Fwd PE	23.2

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.

RVSB's earnings are expected to grow with 31.36% in the coming years. This may justify a more expensive valuation.

PEG (NY)10.65

PEG (5Y)N/A

EPS Next 2Y16.62%

EPS Next 3Y31.36%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.39%, RVSB has a reasonable but not impressive dividend return.

RVSB's Dividend Yield is slightly below the industry average, which is at 3.66.

Compared to an average S&P500 Dividend Yield of 2.51, RVSB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.39%

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.

As RVSB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

Dividend Growth(5Y)11.42%

Div Incr Years8

Div Non Decr Years8

5.3 Sustainability

429.10% of the earnings are spent on dividend by RVSB. This is not a sustainable payout ratio.

The dividend of RVSB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP429.1%

EPS Next 2Y16.62%

EPS Next 3Y31.36%

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RIVERVIEW BANCORP INC

NASDAQ:RVSB (4/21/2025, 4:05:09 PM)

5.68

-0.07 (-1.22%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/amc

Earnings (Next)04-24 2025-04-24/amc

Inst Owners68.8%

Inst Owner Change0%

Ins Owners3.55%

Ins Owner Change9.71%

Market Cap119.17M

Analysts82.86

Price Target6.38 (12.32%)

Short Float %0.33%

Short Ratio1.39

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.39%

Yearly Dividend0.24

Dividend Growth(5Y)11.42%

DP429.1%

Div Incr Years8

Div Non Decr Years8

Ex-Date04-14 2025-04-14 (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)0%

PT rev (3m)19.05%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-25%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-2.36%

Revenue NY rev (1m)0.82%

Revenue NY rev (3m)-0.4%

Valuation

		Industry Rank	Sector Rank
PE	142
Fwd PE	23.2
P/S	2.55
P/FCF	N/A
P/OCF	219.86
P/B	0.75
P/tB	0.91
EV/EBITDA	N/A

EPS(TTM)0.04

EY0.7%

EPS(NY)0.24

Fwd EY4.31%

FCF(TTM)-0.18

FCFYN/A

OCF(TTM)0.03

OCFY0.45%

SpS2.23

BVpS7.54

TBVpS6.24

PEG (NY)10.65

PEG (5Y)N/A

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC10.38%

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-3.7%

Revenue Next 2Y2.31%

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%

RIVERVIEW BANCORP INC (RVSB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens