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Riverview Bancorp
(NASDAQ:RVSB)
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Rating:54Neutral
Price Target:
$5.50
â–²(4.17% Upside)
Action:Reiterated
Date:08/27/26
Overall score reflects fundamentals as the primary driver: profitability and revenue have weakened into TTM losses, partially offset by improved leverage and positive/free-cash-flow generation. Technicals are a notable drag with the stock trading below major moving averages and negative MACD. Valuation is constrained by negative earnings despite a modest dividend, while the new buyback program provides a smaller positive offset.
Positive Factors
Improved balance-sheet leverage
Lower leverage and sizable equity provide a stronger capital cushion for a regional bank. This improves resilience against credit losses or funding pressure and preserves flexibility to support lending and absorb earnings volatility.
Negative Factors
Material deterioration in earnings
Declining revenue and a shift to material losses signal weaker earnings power and operating leverage. If this persists, reduced profitability could constrain capital generation, limit strategic investment and weaken the bank’s ability to support growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance-sheet leverage
Lower leverage and sizable equity provide a stronger capital cushion for a regional bank. This improves resilience against credit losses or funding pressure and preserves flexibility to support lending and absorb earnings volatility.
Read all positive factors
Riverview Bancorp (RVSB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$103.16M
Dividend Yield1.55%
Average Volume (3M)43.66K
Price to Earnings (P/E)―
Beta (1Y)0.28
Revenue Growth-11.21%
EPS Growth-176.24%
CountryUS
Employees243
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-0.19
Shares Outstanding19,953,186
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.32
Revenue Forecast (FY)$61.70M
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
32
Negative
Balance Sheet
63
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 60.99M | 64.74M | 73.22M | 66.80M | 67.86M | 62.57M |
| Gross Profit | 43.61M | 41.83M | 50.50M | 48.33M | 63.05M | 64.99M |
| EBITDA | -2.73M | -2.44M | 9.56M | 7.36M | 26.37M | 31.80M |
| Net Income | -3.87M | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M |
Balance Sheet | ||||||
| Total Assets | 1.47B | 1.46B | 1.51B | 1.52B | 1.59B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 16.44M | 118.02M | 43.45M | 166.84M | 233.79M | 407.45M |
| Total Debt | 45.30M | 45.30M | 105.59M | 117.48M | 152.90M | 29.12M |
| Total Liabilities | 1.33B | 1.32B | 1.35B | 1.37B | 1.43B | 1.58B |
| Stockholders Equity | 145.25M | 145.64M | 160.01M | 155.59M | 155.24M | 157.25M |
Cash Flow | ||||||
| Free Cash Flow | 13.90M | 11.25M | 5.56M | 7.14M | 8.61M | 13.21M |
| Operating Cash Flow | 14.77M | 12.04M | 8.27M | 12.75M | 13.57M | 16.46M |
| Investing Cash Flow | 94.13M | 118.33M | 13.33M | 63.56M | -76.25M | -221.66M |
| Financing Cash Flow | -40.86M | -42.91M | -15.82M | -74.71M | -156.71M | 181.21M |
Riverview Bancorp Technical Analysis
Negative
5.28
Price Trends
5.34
Negative
5.42
Negative
5.32
Negative
Market Momentum
-0.06
Positive
40.89
Neutral
44.44
Neutral
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 5.28 is above the 20-day moving average (MA) of 5.26, below the 50-day MA of 5.34, and below the 200-day MA of 5.32, indicating a bearish trend. The MACD of -0.06 indicates Positive momentum. The RSI at 40.89 is Neutral, neither overbought nor oversold. The STOCH value of 44.44 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | $125.88M | 10.36 | 9.59% | 1.81% | 7.51% | 20.96% | |
68 Neutral | $120.98M | 15.19 | 7.31% | 1.78% | -0.53% | 27.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $114.47M | 17.81 | 5.23% | 3.25% | -0.79% | 11.59% | |
63 Neutral | $144.15M | 43.25 | 1.80% | 1.10% | 6.46% | 1.90% | |
56 Neutral | $117.51M | 9.00 | 14.72% | 5.81% | 10.15% | 28.62% | |
54 Neutral | $103.16M | -27.01 | -2.50% | 1.52% | -11.21% | -176.24% |
* Financial Sector Average
RVSB
Riverview Bancorp
5.17
0.13
2.62%
MGYR
Magyar Bancorp
19.68
2.89
17.23%
PROV
Provident Financial Holdings
18.34
3.48
23.43%
UNB
Union Bankshares
23.50
-1.12
-4.56%
SFBC
Sound Financial Bancorp
47.69
1.24
2.67%
SRBK
SR Bancorp, Inc.
19.39
4.44
29.70%
Riverview Bancorp Corporate Events
Business Operations and StrategyStock Buyback
Riverview Bancorp Authorizes New $4 Million Share Repurchase
Positive
Aug 27, 2026
Riverview Bancorp, Inc., a Vancouver, Washington-based community bank holding company with $1.47 billion in assets as of June 30, 2026, operates Riverview Bank and Riverview Trust Company, providing retail, commercial and business banking services...
Business Operations and StrategyExecutive/Board Changes
Riverview Bancorp Announces Chief Lending Officer Retirement
Neutral
Aug 10, 2026
Riverview Bancorp announced on August 10, 2026, that Executive Vice President and Chief Lending Officer Michael Sventek will retire effective October 30, 2026, following a 35-year banking career and three years in his current role with the company...
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.