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Riverview Bancorp Inc (RVSB) stock analysis

RVSBNasdaqSavings Institution, Federally CharteredFiscal year ends March 31
Financials through Q1 FY2027, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 14, 2026Score 8/30
$6.47−0.03 (-0.46%)

Close on Nov 12, 2026Market cap $129.10MP/E –Yield 1.24%

StockData Score

Prices as of Nov 11, 2026How the score works

Value2Growth0Performance0Health4Dividend2

Weak8 of 30 checks passed

Riverview Bancorp passes 8 of the 30 checks behind our score; 11 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
2/6
Growth
0/6
Past performance
0/6
Financial health
4/6
Dividend
2/6

What stands out

  • Covered by free cash flow

    Dividends take 11.9% of free cash flow.

  • Well capitalized

    Equity is 9.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 85.4% of deposits, so lending is funded by customer deposits.

  • P/S below the industry

    Riverview Bancorp's price-to-sales of 2.89 is below the Savings Institutions median of 3.77.

What to watch

  • Return on equity under 15%

    Return on equity was -2.5% over the last twelve months and averaged 5.7% over five years; we look for 15% on both.

  • Revenue growing under 10% a year

    Revenue grew -12.3% a year over the last three fiscal years, short of the 10% we look for.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Growing slower than the industry

    Revenue grew -13.3% over the last twelve months; the Savings Institutions median is 9.0%.

Valuation2/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • P/S below the industry

    Riverview Bancorp's price-to-sales of 2.89 is below the Savings Institutions median of 3.77.

  • P/B below the industry

    Riverview Bancorp's price-to-book of 0.89 is below the Savings Institutions median of 1.04.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth0/6

  • Revenue growing under 10% a year

    Revenue grew -12.3% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growth over 3 years

    Needs positive EPS three years ago and today.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing slower than the industry

    Revenue grew -13.3% over the last twelve months; the Savings Institutions median is 9.0%.

  • Guidance issued

    The latest outlook (fiscal year 2029 loan repricing and maturities, Jul 29, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin trend

    Banks and insurers do not report gross profit.

Past performance0/6

  • Return on equity under 15%

    Return on equity was -2.5% over the last twelve months and averaged 5.7% over five years; we look for 15% on both.

  • Return on assets under 1%

    Return on assets was -0.3%; for a bank or insurer, 1% or more is considered good.

  • Return on equity below the industry

    Riverview Bancorp's return on equity of -2.5% is below the Savings Institutions median of 6.1%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was -8.6% over the last twelve months, against a 5-year average of 14.4%.

  • Net margin below the industry

    Riverview Bancorp's net margin of -8.6% is below the Savings Institutions median of 20.3%.

Financial health4/6

  • Well capitalized

    Equity is 9.9% of total assets; 8% or more is a comfortable cushion.

  • Loans funded by deposits

    Loans equal 85.4% of deposits, so lending is funded by customer deposits.

  • Adequate loan-loss reserve

    The allowance for credit losses is 1.4% of loans; we look for at least 1%.

  • High cost base

    Non-interest expense takes 109% of revenue; under 60% is efficient for a bank.

  • Deposits growing

    Deposits grew 4.3% over the past year.

  • Borrowings

    Needs debt and equity figures.

Dividend2/6

  • Pays a dividend

    Riverview Bancorp paid dividends worth 1.2% of the share price over the last twelve months.

  • Yield below Treasuries

    The 1.2% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 3.8% or more; Riverview Bancorp yields 1.2%.

  • Dividend was cut

    The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

  • Earnings cover

    Needs dividends paid and net income.

  • Covered by free cash flow

    Dividends take 11.9% of free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Riverview Bancorp. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 9.8
  • Savings Institutions median 13.7

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$459.00K
Value traded per 1% price move
$355.80K

Downside

Low risk

Typical loss in a bad month
9.0%
Volatility (annualized)
24%
Sharpe ratio, 1 year
0.63
Beta to the S&P 500 (5Y)
0.31

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2012 to 2026

Net margin

-10.1%−28.8 pts over 5 years

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