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Riverview Bancorp
(NASDAQ:RVSB)
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Rating:58Neutral
Price Target:
$5.50
â–˛(5.77% 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
Balance Sheet Strength
Material debt reduction and a stronger debt-to-equity (~0.31) provide a durable capital buffer versus assets. A sizable equity base against ~$1.46B in assets supports regulatory resilience, capacity to absorb shocks, and optionality to fund targeted loan growth without immediate external financing.
Negative Factors
Profitability Deterioration
A swing to a net loss and a double-digit revenue decline erode the bank’s ability to generate internal capital, reduce retained earnings, and weaken long-term return profiles. Persistent revenue contraction could constrain loan origination capacity, margin recovery, and dividend or growth plans.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance Sheet Strength
Material debt reduction and a stronger debt-to-equity (~0.31) provide a durable capital buffer versus assets. A sizable equity base against ~$1.46B in assets supports regulatory resilience, capacity to absorb shocks, and optionality to fund targeted loan growth without immediate external financing.
Read all positive factors
Riverview Bancorp (RVSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$106.90M
Dividend Yield1.51%
Average Volume (3M)43.66K
Price to Earnings (P/E)―
Beta (1Y)0.21
Revenue Growth-11.57%
EPS Growth-191.02%
CountryUS
Employees246
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 Cap1.36
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. operates as a bank holding company for Riverview Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. The company offers various deposit product...
How the Company Makes Money
Riverview Bancorp primarily makes money through the core banking model of earning interest income on loans and investments while paying interest on deposits and other funding sources. Its largest revenue driver is typically net interest income: it...
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 | 118.02M | 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
Negative
5.20
Price Trends
5.53
Negative
5.45
Negative
5.31
Negative
Market Momentum
>-0.01
Positive
37.44
Neutral
10.45
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVSB, the sentiment is Negative. The current price of 5.2 is below the 20-day moving average (MA) of 5.68, below the 50-day MA of 5.53, and below the 200-day MA of 5.31, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 37.44 is Neutral, neither overbought nor oversold. The STOCH value of 10.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | $115.04M | 9.89 | 9.28% | 1.81% | 8.55% | 25.00% | |
70 Outperform | $142.09M | 32.36 | 2.44% | 0.88% | 15.21% | 2015.08% | |
68 Neutral | $111.24M | 14.65 | 6.99% | 1.75% | 0.38% | 50.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $107.56M | 18.30 | 4.77% | 3.50% | -1.84% | -3.36% | |
59 Neutral | $114.61M | 9.82 | 14.94% | 6.08% | 11.40% | 29.64% | |
58 Neutral | $106.90M | -24.77 | -2.73% | 1.51% | -11.57% | -191.02% |
* Financial Sector Average
RVSB
Riverview Bancorp
5.27
-0.15
-2.75%
MGYR
Magyar Bancorp
17.80
1.47
9.02%
PROV
Provident Financial Holdings
17.20
2.23
14.93%
UNB
Union Bankshares
24.84
-0.32
-1.29%
SFBC
Sound Financial Bancorp
43.35
-1.82
-4.04%
SRBK
SR Bancorp, Inc.
19.36
5.99
44.78%
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...
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.