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Financial Services - Banks - Regional - NASDAQ - US
$ 5.82
-1.22 %
$ 122 M
Market Cap
142.0
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RVSB stock under the worst case scenario is HIDDEN Compared to the current market price of 5.82 USD, Riverview Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RVSB stock under the base case scenario is HIDDEN Compared to the current market price of 5.82 USD, Riverview Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 22, 2025.

The intrinsic value of one RVSB stock under the best case scenario is HIDDEN Compared to the current market price of 5.82 USD, Riverview Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart RVSB

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$6.2$6.2$6.0$6.0$5.8$5.8$5.6$5.6$5.4$5.4$5.2$5.2$5.0$5.0$4.8$4.8$4.6$4.6$4.4$4.4Nov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 Apr
FINANCIALS
48.3 M REVENUE
-24.25%
4.6 M OPERATING INCOME
-83.41%
3.8 M NET INCOME
-78.98%
12.8 M OPERATING CASH FLOW
-6.05%
63.6 M INVESTING CASH FLOW
183.36%
-74.7 M FINANCING CASH FLOW
52.32%
15.1 M REVENUE
1.24%
14.4 M OPERATING INCOME
625.58%
1.23 M NET INCOME
-20.87%
2.21 M OPERATING CASH FLOW
189.14%
30.8 M INVESTING CASH FLOW
854.60%
-38.7 M FINANCING CASH FLOW
-596.74%
Balance Sheet Riverview Bancorp, Inc.
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Current Assets 23.6 M
Cash & Short-Term Investments 23.6 M
Receivables 0
Other Current Assets 0
Non-Current Assets 1.51 B
Long-Term Investments 17.9 M
PP&E 28.4 M
Other Non-Current Assets 1.46 B
95.43 %Total Assets$1.5b
Current Liabilities 10.4 M
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 10.4 M
Non-Current Liabilities 1.36 B
Long-Term Debt 117 M
Other Non-Current Liabilities 1.24 B
8.60 %90.64 %Total Liabilities$1.4b
EFFICIENCY
Earnings Waterfall Riverview Bancorp, Inc.
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Revenue 48.3 M
Cost Of Revenue 0
Gross Profit 48.3 M
Operating Expenses 36.7 M
Operating Income 4.6 M
Other Expenses 802 K
Net Income 3.8 M
50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0048m048m(37m)5m(802k)4mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
9.52% OPERATING MARGIN
9.52%
7.86% NET MARGIN
7.86%
2.44% ROE
2.44%
0.25% ROA
0.25%
0.25% ROIC
0.25%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Riverview Bancorp, Inc.
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25m25m20m20m15m15m10m10m5m5m00201620162017201720182018201920192020202020212021202220222023202320242024
Net Income 3.8 M
Depreciation & Amortization 2.76 M
Capital Expenditures -5.61 M
Stock-Based Compensation 34 K
Change in Working Capital 4.14 M
Others 5.95 M
Free Cash Flow 7.14 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Riverview Bancorp, Inc.
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RVSB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.35% DIVIDEND YIELD
0.02 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.250000.250000.200000.200000.150000.150000.100000.100000.050000.050000.000000.000000.020.030.040.050.050.0550.060.060.020.01130.011250.020.020.030.040.050.050.0550.060.060.020.01250.020.02250.0350.0450.050.050.060.060.020.0150.060.01750.080.020.100.02250.130.0350.160.0450.190.050.210.0550.220.060.200.060.140.020.080.022015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Riverview Bancorp, Inc.
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Sold
0-3 MONTHS
1.24 M USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
35.1 K USD 2
6-9 MONTHS
71.6 K USD 6
9-12 MONTHS
7. News
Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash., April 02, 2025 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today announced that on March 27, 2025, its Board of Directors approved a quarterly cash dividend of $0.02 per share which remained unchanged compared to the preceding quarter. The dividend is payable on April 25, 2025, to shareholders of record as of April 14, 2025. globenewswire.com - 1 month ago
Riverview Bancorp (RVSB) Surpasses Q3 Earnings and Revenue Estimates Riverview Bancorp (RVSB) came out with quarterly earnings of $0.06 per share, beating the Zacks Consensus Estimate of $0.04 per share. This compares to earnings of $0.07 per share a year ago. zacks.com - 3 months ago
Riverview Bancorp Reports Net Income of $1.2 Million in Third Fiscal Quarter 2025; Results Highlighted by Net Interest Margin Expansion VANCOUVER, Wash., Jan. 30, 2025 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today reported earnings of $1.2 million, or $0.06 per diluted share, in the third fiscal quarter ended December 31, 2024, compared to $1.6 million, or $0.07 per diluted share in the second fiscal quarter ended September 30, 2024, and $1.5 million, or $0.07 per diluted share, in the third fiscal quarter a year ago. globenewswire.com - 3 months ago
Charmaine Lightheart named EVP/Chief Retail and Digital Engagement Officer VANCOUVER, Wash., Jan. 09, 2025 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) is pleased to announce that Charmaine Lightheart has been named EVP/Chief Retail and Digital Engagement Officer for Riverview Bank. Charmaine has spent nearly 20 years at all levels of banking, where she has served as a branch manager and leader of treasury management working her way to Regional Manager, Senior Vice President, and Director roles. Charmaine has built her career at First Independent Bank, Sterling Bank, Heritage Bank and most recently, two years at Riverview Bank as Senior Vice President, Director of Retail Services. globenewswire.com - 3 months ago
CORRECTION: Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash., Dec. 23, 2024 (GLOBE NEWSWIRE) -- In a release issued under the same headline on Monday, December 23rd by Riverview Bancorp, Inc. (Nasdaq GSM: RVSB), please note that in the first paragraph, the dates regarding Board approval, shareholder eligibility, and the payable date have been corrected. The corrected release follows: globenewswire.com - 4 months ago
Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash., Dec. 23, 2024 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today announced that on December 17, 2024, its Board of Directors approved a quarterly cash dividend of $0.02 per share which remained unchanged compared to the preceding quarter. The dividend is payable on January 2, 2025, to shareholders of record as of January 14, 2025. globenewswire.com - 4 months ago
Riverview Bancorp (RVSB) Tops Q2 Earnings and Revenue Estimates Riverview Bancorp (RVSB) came out with quarterly earnings of $0.07 per share, beating the Zacks Consensus Estimate of $0.04 per share. This compares to earnings of $0.12 per share a year ago. zacks.com - 6 months ago
Riverview Bancorp Reports Net Income of $1.6 Million in Second Fiscal Quarter 2025 VANCOUVER, Wash., Oct. 24, 2024 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today reported earnings of $1.6 million, or $0.07 per diluted share, in the second fiscal quarter ended September 30, 2024, compared to $2.5 million, or $0.12 per diluted share, in the second fiscal quarter a year ago. globenewswire.com - 6 months ago
Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today announced that on September 25, 2024, its Board of Directors approved a quarterly cash dividend of $0.02 per share which remained unchanged compared to the preceding quarter. The dividend is payable on October 18, 2024, to shareholders of record as of October 7, 2024. globenewswire.com - 7 months ago
Riverview Bancorp, Inc. Announces Stock Repurchase Program VANCOUVER, Wash., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) headquartered in Vancouver, WA, the holding company parent of Riverview Bank, announced that on September 25, 2024, its Board of Directors adopted a stock repurchase program. Under this repurchase program, the Company may repurchase up to $2.0 million of the Company's outstanding shares of common stock, in the open market, based on prevailing market prices, or in privately negotiated transactions. Once the repurchase program is effective, the repurchase program will continue until the earlier of the completion of the repurchase or 12 months after the effective date, depending upon market conditions. globenewswire.com - 7 months ago
Riverview Bancorp (RVSB) Q1 Earnings and Revenues Lag Estimates Riverview Bancorp (RVSB) came out with quarterly earnings of $0.05 per share, missing the Zacks Consensus Estimate of $0.06 per share. This compares to earnings of $0.13 per share a year ago. zacks.com - 9 months ago
Riverview Bancorp Reports First Fiscal Quarter 2025 Financial Results VANCOUVER, Wash., July 25, 2024 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today reported earnings of $966,000, or $0.05 per diluted share, in the first fiscal quarter ended June 30, 2024, compared to $2.8 million, or $0.13 per diluted share, in the first fiscal quarter a year ago. globenewswire.com - 9 months ago
8. Profile Summary

Riverview Bancorp, Inc. RVSB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 122 M
Dividend Yield 0.35%
Description Riverview Bancorp, Inc., a bank holding company for Riverview Community Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also 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 is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates through a network of 17 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
Contact 900 Washington Street, Vancouver, WA, 98660 https://www.riverviewbank.com
IPO Date Oct. 25, 1993
Employees 226
Officers Ms. Nicole B. Sherman President, Chief Executive Officer & Director Mr. Steven P. Plambeck Executive Vice President & Chief Lending Officer of Riverview Bank Ms. Charmaine Lightheart Executive Vice President & Chief Retail and Digital Engagement Officer Ms. Teresa L. Baker Vice President & Corporate Secretary Mr. Robert Benke Executive Vice President & Chief Credit Officer Mr. David Lam CPA Executive Vice President & Chief Financial Officer Mr. Daniel D. Cox Executive Vice President & Chief Operating Officer Mr. C. Evan Sowers M.B.A. President and Chief Executive Officer of Riverview Trust Company Mr. Michael Sventek Executive Vice President & Chief Lending Officer