Riverview Bancorp AI Stock Analysis
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Riverview Bancorp (RVSB) AI Stock Analysis
Riverview Bancorp
(NASDAQ:RVSB)
The score is held back primarily by deteriorating profitability (TTM revenue decline and net loss), despite supportive cash generation and improved leverage. Technicals are mixed/neutral, and valuation is constrained by a negative P/E, while corporate actions (notably the $4M buyback) add a modest positive offset.
Riverview Bancorp (RVSB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $128.30M
- Dividend Yield
- 1.23%
- Average Volume (3M)
- 68.77K
- Price to Earnings (P/E)
- -45.0
- Beta (1Y)
- 0.20
- Revenue Growth
- -10.03%
- EPS Growth
- -162.70%
- Country
- US
- Employees
- 243
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 products,...
How the Company Makes Money
Riverview Bancorp primarily makes money through its banking subsidiary by (1) generating net interest income and (2) earning noninterest income (fees), while managing operating expenses and credit losses. 1) Net interest income (core earnings driver)...
Riverview Bancorp Financial Statement Overview
Summary
Fundamentals are mixed. The income statement is the primary drag (TTM revenue down 5.79% with negative operating results and a net loss around a -6.3% margin), but the balance sheet shows improved leverage (debt-to-equity ~0.31) and cash flow remains a relative strength with positive operating cash flow (~$14.8M) and free cash flow (~$13.9M).
Income Statement
32NegativeBalance Sheet
63PositiveCash Flow
72Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.26M | 64.74M | 73.22M | 66.80M | 67.86M | 62.57M |
| Gross Profit | 45.44M | 41.83M | 50.50M | 48.33M | 63.05M | 64.99M |
| EBITDA | -2.44M | -2.44M | 9.56M | 7.36M | 26.37M | 31.80M |
| Net Income | -3.00M | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M |
Balance Sheet | ||||||
| Total Assets | 1.49B | 1.46B | 1.51B | 1.52B | 1.59B | 1.74B |
| Cash, Cash Equivalents and Short-Term Investments | 24.28M | 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 | 1.35B | 1.32B | 1.35B | 1.37B | 1.43B | 1.58B |
| Stockholders Equity | 138.18M | 145.64M | 160.01M | 155.59M | 155.24M | 157.25M |
Cash Flow | ||||||
| Free Cash Flow | -2.46M | 11.25M | 5.56M | 7.14M | 8.61M | 13.21M |
| Operating Cash Flow | -1.99M | 12.04M | 8.27M | 12.75M | 13.57M | 16.46M |
| Investing Cash Flow | 87.63M | 118.33M | 13.33M | 63.56M | -76.25M | -221.66M |
| Financing Cash Flow | -16.24M | -42.91M | -15.82M | -74.71M | -156.71M | 181.21M |
Riverview Bancorp Technical Analysis
Price Trends
Market Momentum
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 6.50 is above the 20-day moving average (MA) of 6.08, above the 50-day MA of 5.88, and above the 200-day MA of 5.49, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 81.59 is Negative, neither overbought nor oversold. The STOCH value of 94.21 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Latest Risks Added
3 New RisksRiverview Bancorp Peers Comparison
Overall Rating
MGYR78Outperform
PROV65Neutral
SFBC65Neutral
UNB63Neutral- RVSB55Neutral
SRBK54Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| MGYR | 78Outperform | $139.44M | 10.78 | 10.23% | 1.93% | 8.91% | 30.08% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PROV | 65Neutral | $110.74M | 17.96 | 5.18% | 3.06% | 0.19% | 13.85% |
| SFBC | 65Neutral | $115.74M | 13.28 | 7.76% | 1.85% | 0.49% | 26.64% |
| UNB | 63Neutral | $111.55M | 8.64 | 15.07% | 6.34% | 6.11% | 5.22% |
| RVSB | 55Neutral | $123.76M | -44.95 | -2.02% | 1.23% | -10.03% | -162.70% |
| SRBK | 54Neutral | $135.26M | 37.08 | 2.02% | 1.16% | 9.63% | 37.01% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| RVSB | Riverview | 6.50 | 1.28 | 24.47% | |
| MGYR | Magyar Bancorp | 21.78 | 5.32 | 32.30% | |
| PROV | Provident Financial Holdings | 18.32 | 3.11 | 20.45% | |
| UNB | Union Bankshares, Inc. | 22.72 | 0.96 | 4.44% | |
| SFBC | Sound Financial Bancorp, Inc. | 45.40 | 1.50 | 3.42% | |
| SRBK | SR Bancorp, Inc. | 18.91 | 3.84 | 25.46% |
Riverview Bancorp Corporate Events
Riverview Bancorp Highlights Strategy at Raymond James Conferences
PositiveRiverview Bancorp announced that President and CEO Nicole Sherman, CFO David Lam and COO Dan Cox would provide one-on-one information updates at the Raymond James 2026 U.S. Bank and Banking on Tech Conferences on September 9, 2026. The investor mater...
Riverview Bancorp Shareholders Approve Governance and Stock Plan
PositiveAt Riverview Bancorp’s August 27, 2026 annual meeting, shareholders voted on board elections, executive pay, and a new stock purchase plan, with 13,933,637 of 20,160,613 eligible shares represented, establishing a quorum. The board concurrently amend...
Riverview Bancorp Authorizes New $4 Million Share Repurchase
PositiveRiverview 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 th...
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.
Date of analysis: Sep 06, 2026