Riverview Bancorp, Inc. RVSB R2K

Financial Services · Banks - Regional · United States

https://www.riverviewbank.com

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, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. It provides commercial business, commercial and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, it provides mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield and Vancouver, and Washington, as well as Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

Market & Price

Market Cap

$115.37M

Current Price

$5.61

High / Low (52W)

$5.79 / $4.77

Beta

0.45

Valuation

Stock P/E

Industry PE

12.01

Forward P/E

14.03

PEG Ratio

1.42

Book Value

$7.93

Price to Book

0.71

P/S

2.76

EV/EBITDA

Dividend Yield

1.42%

Profitability & Returns

ROCE

ROE

-2.84%

ROA

-0.29%

Profit Margin

-10.38%

Op Margin

EPS (Latest Qtr)

$-0.39

EPS (TTM)

$-0.21

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$45.30M

Total Assets

$1.51B

Current Assets

Working Capital

Ownership

Promoter Holding

3.57%

Chg in Prom Hold

FII / Inst Holding

72.39%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$43.80M

Total Revenue (TTM)

$41.83M

EBITDA

Free Cash Flow

Operating Cash Flow

Shares Outstanding

20.56M

Gross Margin

0.00%

Payout Ratio

34.78%

Growth (CAGR)

Revenue 5Y

-5.71%

Profit 5Y

-39.20%

Revenue (YoY)

-92.20%

Earnings (YoY)

PROS

In a confirmed uptrend (50-DMA above 200-DMA).

CONS

Revenue declined at -5.7% CAGR over 5 years.
Earnings shrank at -39.2% CAGR over 5 years.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	RVSB Riverview Bancorp, Inc. R2K	5.61	-	$115.37M	1.42%	-	-2.84%	-5.71%	-39.20%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	12.73M	12.90M	13.27M	13.62M	14.05M	-
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.74M	5.30M	5.53M	5.59M	5.42M	-
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1.57M	1.46M	1.55M	1.40M	1.74M	-
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	343.00K	314.00K	322.00K	296.00K	363.00K	-
Net Income	1.70M	1.68M	1.99M	2.03M	2.65M	3.06M	1.52M	3.01M	4.44M	4.23M	4.39M	4.21M	4.19M	4.53M	4.13M	2.89M	480.00K	2.54M	4.04M	3.41M	5.75M	6.43M	5.51M	4.12M	4.65M	5.19M	5.24M	2.98M	2.84M	2.47M	1.45M	-2.97M	966.00K	1.56M	1.23M	1.15M	1.23M	1.10M	1.38M	-
Diluted EPS	0.08	0.07	0.09	0.09	0.12	0.14	0.07	0.13	0.20	0.19	0.19	0.19	0.18	0.20	0.18	0.13	0.02	0.11	0.18	0.15	0.26	0.29	0.25	0.19	0.21	0.24	0.24	0.14	0.13	0.12	0.07	-0.14	0.05	0.07	-	0.05	0.06	0.05	0.07	-0.39

Profit & Loss (Annual)

Figures in USD.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	60.37M	63.80M	48.33M	50.60M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	2.20M	4.06M	18.47M	22.62M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	28.28M	23.68M	4.60M	6.24M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	6.46M	5.61M	802.00K	1.33M
Net Income	-5.44M	4.32M	-31.66M	2.63M	19.42M	4.49M	6.36M	7.40M	10.24M	17.27M	15.75M	10.47M	21.82M	18.07M	3.80M	4.90M
Diluted EPS	-0.51	0.24	-1.42	0.12	0.87	0.20	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23

Compounded Sales Growth

5 Years:	-5.71%
1 Year:	-92.20%

Compounded Profit Growth

5 Years:	-39.20%
1 Year:	-

Stock Price Performance

1 Year:	+2.41%
6 Months:	+7.46%
3 Months:	+5.23%
1 Month:	+8.51%

Balance Sheet (Annual)

Figures in USD.

Metric	Mar 2009	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Total Assets	-	-	859.26M	856.00M	777.00M	824.52M	858.75M	921.23M	1.13B	1.15B	1.16B	1.18B	1.55B	1.74B	1.59B	1.52B	1.51B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	51.75M	46.39M	115.42M	68.58M	58.66M	55.40M	64.61M	44.77M	22.95M	41.97M	265.41M	241.67M	22.29M	23.64M	29.41M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	4.65M	4.79M	4.42M	4.53M
Total Liabilities	-	-	751.85M	779.85M	697.96M	726.07M	754.41M	812.96M	1.02B	1.03B	1.02B	1.03B	1.40B	1.58B	1.43B	1.37B	1.35B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	26.83M	150.67M	115.31M	103.49M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	29.12M	152.90M	117.48M	105.59M
Total Equity	89.03M	84.35M	107.41M	76.15M	78.44M	97.98M	103.80M	108.27M	111.26M	116.90M	133.12M	148.84M	151.59M	157.25M	155.24M	155.59M	160.01M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	22.16M	21.22M	21.11M	20.98M

Cash Flows (Annual)

Figures in USD.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Operating Cash Flow	9.87M	18.13M	12.00M	11.00M	6.53M	5.56M	11.08M	18.06M	11.94M	20.15M	15.92M	24.17M	16.46M	13.57M	12.75M	8.27M
Investing Cash Flow	56.35M	5.57M	-45.35M	138.52M	-78.38M	-46.26M	-70.66M	-76.59M	-45.58M	-24.97M	-878.00K	-150.25M	-221.66M	-76.25M	63.56M	13.33M
Financing Cash Flow	-71.84M	14.46M	27.99M	-80.50M	25.01M	30.77M	56.32M	67.75M	13.80M	-17.00M	3.98M	349.52M	181.21M	-156.71M	-74.71M	-15.82M
Capital Expenditure	475.00K	1.31M	-2.58M	-2.14M	-835.00K	-464.00K	-366.00K	-598.00K	-753.00K	-1.05M	-2.95M	-3.55M	-3.25M	-4.96M	-5.61M	-2.71M
Free Cash Flow	10.35M	19.44M	9.42M	8.86M	5.70M	5.10M	10.71M	17.46M	11.19M	19.11M	12.96M	20.61M	13.21M	8.61M	7.14M	5.56M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-23.98M	-219.38M	1.60M	5.77M
Share Buybacks	-	-	-	-	-	-	-	-	-	-	1.02M	1.45M	1.94M	6.71M	577.00K	2.00M
Dividends Paid	-	-	-	-	-	-	1.26M	1.80M	2.14M	3.16M	4.08M	4.48M	4.67M	5.12M	5.08M	2.53M

Ratios (Annual)

Figures in %.

Metric	Mar 2010	Mar 2011	Mar 2012	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	-	-	-	-	36.1%	28.3%	7.9%	9.7%
ROE %	-6.5%	4.0%	-41.6%	3.4%	19.8%	4.3%	5.9%	6.7%	8.8%	13.0%	10.6%	6.9%	13.9%	11.6%	2.4%	3.1%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

3.57%

Institutions

72.39%

Public Float

75.06%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	11.48%	2.38M	$13.34M
2	Nierenberg Investment Management Company, LLC	9.82%	2.03M	$11.40M
3	Dimensional Fund Advisors LP	6.45%	1.34M	$7.50M
4	Manufacturers Life Insurance Co.	5.20%	1.08M	$6.04M
5	Vanguard Capital Management LLC	4.30%	890.82K	$5.00M
6	Ameriprise Financial, Inc.	4.29%	888.65K	$4.99M
7	Pacific Ridge Capital Partners, LLC	3.65%	755.36K	$4.24M
8	Arrowstreet Capital, Limited Partnership	2.79%	578.10K	$3.24M
9	Geode Capital Management, LLC	2.21%	458.02K	$2.57M
10	Essex Investment Management Co LLC	1.88%	390.30K	$2.19M

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