A Business at a Glance
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RIVERVIEW BANCORP INC
RVSB
$113M
Mkt Cap
$5.28
+0.00%
RIVERVIEW BANCORP INC (RVSB) has a current P/E ratio of 15.1, compared to its historical median P/E of 12.5. The stock is currently considered Fair based on its historical valuation range.
RIVERVIEW BANCORP INC (RVSB) has a 5-year average return on invested capital (ROIC) of 7.6%. This is below average and may indicate limited pricing power.
RIVERVIEW BANCORP INC (RVSB) has a market capitalization of $109M. It is classified as a small-cap stock.
Yes, RIVERVIEW BANCORP INC (RVSB) pays a dividend with a trailing twelve-month yield of 1.53%. The company also returns capital through share buybacks, with a buyback yield of 1.83%.
Based on historical P/E analysis, RIVERVIEW BANCORP INC (RVSB) appears fair. The current P/E of 15.1 is 20% above its historical median of 12.5. The estimated fair value CAGR (P/E method) is -18.1%.
RIVERVIEW BANCORP INC (RVSB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
RIVERVIEW BANCORP INC (RVSB) reported annual revenue of $73 million in its most recent fiscal year, based on SEC EDGAR filings.
Riverview Bancorp, Inc., a Washington corporation, is the bank holding company of Riverview Bank. At March 31, 2025, the Company had total assets of $1.51 billion, total deposits of $1.23 billion and total shareholders’ equity of $160.0 million. The Company’s executive offices are located in Vancouver, Washington. The Bank has two subsidiaries Riverview Trust Company (the “Trust Company”) and Riverview Services, Inc. (“Riverview Services”). The Trust Company is a trust and financial services company located in downtown Vancouver, Washington, and provides full-service brokerage activities, trust and asset management services. Riverview Services acts as a trustee for deeds of trust on mortgage loans granted by the Bank and receives a reconveyance fee for each deed of trust.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 54M | 73M | 67M | 68M | 63M | 59M |
| Net Income | 4.8M | 4.9M | 3.8M | 18M | 22M | 10M |
| EPS | $0.23 | $0.23 | $0.18 | $0.83 | $0.98 | $0.47 |
| Free Cash Flow | 15M | 5.6M | 7.1M | 8.6M | 13M | 21M |
| ROIC | 2.5% | 3.1% | 2.4% | 11.6% | 14.1% | 7.0% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 3.55 | 8.46 | 8.78 | 9.24 | 10.07 | 9.22 |
| Dividends/Share | $0.08 | $0.08 | $0.24 | $0.24 | $0.22 | $0.20 |
| Operating Income | 859K | 1.1M | 483K | 24M | 28M | 13M |
| Operating Margin | 1.6% | 1.6% | 0.7% | 34.9% | 45.2% | 22.6% |
| ROE | 3.0% | 3.1% | 2.4% | 11.6% | 14.1% | 7.0% |
| Shares Outstanding | 21M | 21M | 21M | 22M | 22M | 22M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 35M | 38M | 40M | 46M | 56M | 61M | 63M | 59M | 63M | 68M | 67M | 73M | 54M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 16M | 18M | 18M | 19M | 22M | 22M | 23M | 23M | 24M | 24M | 24M | 26M | 29M |
| EBIT | 4.3M | 271K | 9.8M | 433K | 18M | 22M | 21M | 13M | 28M | 24M | 483K | 1.1M | 859K |
| Op. Margin | 12.3% | 0.7% | 24.3% | 0.9% | 32.2% | 36.8% | 32.7% | 22.6% | 45.2% | 34.9% | 0.7% | 1.6% | 1.6% |
| Net Income | 19M | 4.5M | 6.4M | 7.4M | 10M | 17M | 16M | 10M | 22M | 18M | 3.8M | 4.9M | 4.8M |
| Net Margin | 55.2% | 12.0% | 15.8% | 16.2% | 18.3% | 28.3% | 25.1% | 17.6% | 34.9% | 26.6% | 5.7% | 6.7% | 9.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 355K | 74K | 14K | 993K | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 22.0% | 4.5% | 6.0% | 6.7% | 9.0% | 13.8% | 11.2% | 7.0% | 14.1% | 11.6% | 2.4% | 3.1% | 2.5% |
| ROE | 22.0% | 4.5% | 6.0% | 6.7% | 9.0% | 13.8% | 11.2% | 7.0% | 14.1% | 11.6% | 2.4% | 3.1% | 3.0% |
| ROA | 2.4% | 0.5% | 0.7% | 0.7% | 0.9% | 1.5% | 1.3% | 0.8% | 1.3% | 1.1% | 0.2% | 0.3% | 0.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 6.5M | 5.6M | 11M | 18M | 12M | 20M | 16M | 24M | 16M | 14M | 13M | 8.3M | 15M |
| Free Cash Flow | 5.7M | 5.1M | 11M | 17M | 11M | 19M | 13M | 21M | 13M | 8.6M | 7.1M | 5.6M | 15M |
| Owner Earnings | 6.5M | 5.5M | 11M | 18M | 12M | 20M | 15M | 24M | 16M | 13M | 13M | 7.8M | -7.9M |
| CapEx | 835K | 464K | 366K | 598K | 753K | 1.0M | 3.0M | 3.6M | 3.3M | 5.0M | 5.6M | 2.7M | 791K |
| Maint. CapEx | 40K | 24K | 2K | 27K | 232K | 183K | 161K | 140K | 124K | 116K | 108K | 100K | 23M |
| Growth CapEx | 795K | 440K | 364K | 571K | 521K | 863K | 2.8M | 3.4M | 3.1M | 4.8M | 5.5M | 2.6M | 0 |
| D&A | 40K | 24K | 2K | 27K | 232K | 183K | 161K | 140K | 124K | 116K | 108K | 100K | 23M |
| CapEx/OCF | 12.8% | 8.3% | 3.3% | 3.3% | 6.3% | 5.2% | 18.6% | 14.7% | 19.8% | 36.6% | 44.0% | 32.8% | 5.1% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 1.3M | 1.8M | 2.1M | 3.2M | 4.1M | 4.5M | 4.7M | 5.1M | 5.1M | 2.5M | 1.7M |
| Dividend Yield | N/A | N/A | 1.6% | 1.8% | 1.5% | 2.1% | 2.9% | 4.6% | 3.3% | 3.7% | 4.7% | 2.5% | 1.5% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 1.0M | 1.4M | 1.9M | 6.7M | 577K | 2.0M | 2.0M |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | 1.1% | 1.1% | 1.3% | 6.1% | 0.6% | 1.7% | 1.8% |
| Stock-Based Comp | 0 | 26K | 154K | 0 | 88K | 44K | 346K | 396K | 319K | 390K | 34K | 384K | 542K |
| Debt Repayment | 3.0M | 25M | 4.1M | 23M | 56M | 270M | 281M | 31M | 2.0M | 76M | 640M | 625M | 625M |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 555M |
| Cash & Equiv. | 69M | 59M | 55M | 65M | 45M | 23M | 42M | 265M | 241M | 22M | 24M | 29M | 29M |
| Long-Term Debt | 23M | 23M | 23M | N/A | N/A | 27M | 27M | 27M | 27M | 27M | 27M | 27M | 27M |
| Debt/Equity | 7.41 | 7.27 | 7.51 | 9.19 | 8.85 | 7.69 | 6.93 | 9.22 | 10.07 | 9.24 | 8.78 | 8.46 | 3.55 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5.8 |
| Equity | 98M | 104M | 108M | 111M | 117M | 133M | 149M | 152M | 157M | 155M | 156M | 160M | 164M |
| Total Assets | 825M | 859M | 921M | 1.1B | 1.2B | 1.2B | 1.2B | 1.5B | 1.7B | 1.6B | 1.5B | 1.5B | 1.5B |
| Total Liabilities | 726M | 754M | 813M | 1.0B | 1.0B | 1.0B | 1.0B | 1.4B | 1.6B | 1.4B | 1.4B | 1.4B | 1.3B |
| Intangibles | 26K | 2K | N/A | 1.3M | 1.1M | 920K | 759K | 619K | 495K | 379K | 271K | 171K | 101K |
| Retained Earnings | 34M | 38M | 43M | 48M | 57M | 70M | 82M | 88M | 105M | 118M | 116M | 120M | 122M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.87 | 0.20 | 0.28 | 0.33 | 0.45 | 0.76 | 0.69 | 0.47 | 0.98 | 0.83 | 0.18 | 0.23 | 0.23 |
| Owner EPS | 0.29 | 0.25 | 0.48 | 0.80 | 0.51 | 0.88 | 0.68 | 1.06 | 0.72 | 0.60 | 0.60 | 0.37 | -0.38 |
| Book Value | 4.39 | 4.62 | 4.77 | 4.96 | 5.14 | 5.86 | 6.52 | 6.80 | 7.06 | 7.13 | 7.37 | 7.51 | 7.93 |
| Cash Flow/Share | 0.29 | 0.25 | 0.49 | 0.80 | 0.52 | 0.89 | 0.70 | 1.08 | 0.74 | 0.62 | 0.60 | 0.39 | 1.34 |
| Dividends/Share | N/A | 0.01 | 0.07 | 0.08 | 0.11 | 0.15 | 0.19 | 0.20 | 0.22 | 0.24 | 0.24 | 0.08 | 0.08 |
| Shares Out. | 22.3M | 22.5M | 22.7M | 22.4M | 22.8M | 22.7M | 22.8M | 22.3M | 22.3M | 21.8M | 21.1M | 21.3M | 20.7M |
| Valuation | |||||||||||||
| P/E Ratio | 3.1 | 17.4 | 11.9 | 17.3 | 16.7 | 7.7 | 6.0 | 13.2 | 6.8 | 6.1 | 25.2 | 23.7 | 22.7 |
| P/FCF | 10.5 | 15.3 | 7.1 | 7.3 | 15.3 | 7.0 | 7.3 | 6.7 | 11.3 | 12.8 | 13.4 | 20.9 | 7.5 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 156.0 | 73.7 | 773.1 |
| Price/Book | 0.6 | 0.8 | 0.7 | N/A | N/A | 1.0 | 0.6 | 0.9 | 0.9 | 0.7 | 0.6 | 0.7 | 0.7 |
| Price/Sales | 1.5 | 1.9 | 2.0 | 2.3 | 2.7 | 2.6 | 2.4 | 1.8 | 2.4 | 2.1 | 2.2 | 2.0 | 2.0 |
| FCF Yield | 9.5% | 6.5% | 14.1% | 13.6% | 6.5% | 14.3% | 13.8% | 15.0% | 8.8% | 7.8% | 7.5% | 4.8% | 13.4% |
| Market Cap | 60M | 78M | 76M | 128M | 171M | 133M | 94M | 138M | 149M | 110M | 96M | 116M | 109M |
| Avg. Price | 2.13 | 3.07 | 3.42 | 4.50 | 6.45 | 6.78 | 6.12 | 4.41 | 6.44 | 6.29 | 5.11 | 4.67 | 5.28 |
| Year-End Price | 2.67 | 3.48 | 3.33 | 5.71 | 7.51 | 5.87 | 4.12 | 6.18 | 6.71 | 5.05 | 4.53 | 5.45 | 5.28 |
RIVERVIEW BANCORP INC passes 1 of 9 quality checks, indicating weak fundamentals.
RIVERVIEW BANCORP INC trades at 15.1x trailing earnings, compared to its 15-year median P/E of 12.5x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 7.5x vs a median of 9.3x. The company's 5-year average ROIC is 7.6%. Total shareholder yield (dividends + buybacks) is 3.4%. At current prices, the estimated annualized return to fair value is -14.2%.
RIVERVIEW BANCORP INC (RVSB) has a net profit margin of 6.7%. This is a modest margin.
RIVERVIEW BANCORP INC (RVSB) generated $6 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
RIVERVIEW BANCORP INC (RVSB) has a debt-to-equity ratio of 8.46. This indicates higher leverage, which may increase financial risk.
RIVERVIEW BANCORP INC (RVSB) reported earnings per share (EPS) of $0.23 in its most recent fiscal year.
RIVERVIEW BANCORP INC (RVSB) has a return on equity (ROE) of 3.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for RIVERVIEW BANCORP INC (RVSB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
RIVERVIEW BANCORP INC (RVSB) has a book value per share of $7.51, based on its most recent annual SEC filing.