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INDICATIVE · SAMPLE DATA
RVSB$5.4559

Riverview Bancorp Inc

BanksVerified

Riverview Bancorp Inc has a market price of $5.45, translating to a market capitalization of $112.08 million. The company's price-to-earnings ratio is 22.86, and its price-to-book ratio is 0.7, indicating a relatively low valuation compared to book value. The enterprise value to revenue ratio is 3.89, suggesting a moderate valuation relative to revenue. The company's profitability is reflected in a return on equity of 3.06% and a return on assets of 0.32%. These figures are below the typical performance metrics for banks, indicating that the company is not generating strong returns relative to its equity and asset base. Riverview Bancorp Inc's revenue is not segmented by product or geography in the available data, making it difficult to assess the concentration of its revenue streams. However, the company's exposure to the banking sector suggests that it may be subject to regional economic conditions and regulatory changes. The company's growth trajectory is modest, with no specific revenue growth projections provided. The company's free cash flow is $2.98 million, and its capital expenditure is -$2.71 million, indicating a reduction in capital spending. The company's liquidity is rated as medium, and its debt-to-equity ratio is 0.18, suggesting a relatively low level of leverage. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics. Recent events and filings do not provide specific details on the company's operations or strategic initiatives. The company's analyst estimates suggest a mean price target of $7.00, with a mean recommendation of 2.00, indicating a neutral stance from analysts.

30-day price · RVSB-0.04 (-0.7%)
Low$5.00High$5.83Close$5.46As of13 May, 00:00 UTC
Profile
CompanyRiverview Bancorp Inc
TickerRVSB.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Riverview Bancorp Inc provides banking and investment services, primarily generating revenue through net interest income and fee-based services.

Classification. Riverview Bancorp Inc is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Riverview Bancorp Inc has a market price of $5.45, translating to a market capitalization of $112.08 million. The company's price-to-earnings ratio is 22.86, and its price-to-book ratio is 0.7, indicating a relatively low valuation compared to book value. The enterprise value to revenue ratio is 3.89, suggesting a moderate valuation relative to revenue. The company's profitability is reflected in a return on equity of 3.06% and a return on assets of 0.32%. These figures are below the typical performance metrics for banks, indicating that the company is not generating strong returns relative to its equity and asset base. Riverview Bancorp Inc's revenue is not segmented by product or geography in the available data, making it difficult to assess the concentration of its revenue streams. However, the company's exposure to the banking sector suggests that it may be subject to regional economic conditions and regulatory changes. The company's growth trajectory is modest, with no specific revenue growth projections provided. The company's free cash flow is $2.98 million, and its capital expenditure is -$2.71 million, indicating a reduction in capital spending. The company's liquidity is rated as medium, and its debt-to-equity ratio is 0.18, suggesting a relatively low level of leverage. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics. Recent events and filings do not provide specific details on the company's operations or strategic initiatives. The company's analyst estimates suggest a mean price target of $7.00, with a mean recommendation of 2.00, indicating a neutral stance from analysts.
Key takeaways
  • Riverview Bancorp Inc has a market price of $5.45 and a market capitalization of $112.08 million.
  • The company's return on equity is 3.06%, and its return on assets is 0.32%, indicating moderate profitability.
  • The company's liquidity is rated as medium, and its debt-to-equity ratio is 0.18, suggesting a relatively low level of leverage.
  • Analysts have a mean price target of $7.00 for the company, with a mean recommendation of 2.00.
  • --
  • # RATIONALES
  • ```json
  • {
Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$36.3M
Gross profit
Operating income
Net income$4.9M
R&D
SG&A
D&A
SBC
Operating cash flow$8.3M
CapEx-$2.7M
Free cash flow$3.0M
Total assets$1.51B
Total liabilities$1.35B
Total equity$160.0M
Cash & equivalents
Long-term debt$29.2M
Valuation
Market price$5.45
Market cap$112.1M
Enterprise value$141.3M
P/E22.9
Reported non-GAAP P/E
EV/Revenue3.9
EV/Op income
EV/OCF17.1
P/B0.7
P/Tangible book0.7
Tangible book$160.0M
Net cash-$29.2M
Current ratio
Debt/Equity0.2
ROA0.3%
ROE3.1%
Cash conversion1.7%
CapEx/Revenue-7.5%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricRVSBActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin13.5%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-7.5%-4.6% medp25 -10.4% · p75 -2.1%below median
Debt / equity18.0%56.1% medp25 13.2% · p75 161.2%below median
Observations
IR observations
Mean price target7.00 USD
Median price target7.00 USD
High price target7.00 USD
Low price target7.00 USD
Mean recommendation2.00 (1=strong buy, 5=strong sell)
Strong-buy count0.00
Buy count1.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate0.32 USD
Last actual EPS0.21 USD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-16 18:45 UTC#c443382e
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 06:47 UTCJob: e810613a