Riverview Bancorp Inc (RVSB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Riverview Bancorp Inc stock (RVSB) is currently trading at $5.45. Riverview Bancorp Inc PE ratio is 23.57. Riverview Bancorp Inc PS ratio (Price-to-Sales) is 2.12. Analyst consensus price target for RVSB is $7.00. WallStSmart rates RVSB as Hold.
- RVSB PE ratio analysis and historical PE chart
- RVSB PS ratio (Price-to-Sales) history and trend
- RVSB intrinsic value — DCF, Graham Number, EPV models
- RVSB stock price prediction 2025 2026 2027 2028 2029 2030
- RVSB fair value vs current price
- RVSB insider transactions and insider buying
- Is RVSB undervalued or overvalued?
- Riverview Bancorp Inc financial analysis — revenue, earnings, cash flow
- RVSB Piotroski F-Score and Altman Z-Score
- RVSB analyst price target and Smart Rating
Riverview Bancorp Inc
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RVSB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Riverview Bancorp Inc (RVSB)
RVSB appears undervalued based on the Graham Formula, trading 16% below its estimated fair value of $6.42.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Riverview Bancorp Inc (RVSB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, price/book, institutional own.. Concerns around market cap and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Riverview Bancorp Inc (RVSB) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
71.70% of shares held by major funds and institutions
Good growth relative to its price
Supporting Valuation Data
Riverview Bancorp Inc (RVSB) Areas to Watch (7)
Very low returns on shareholder equity
Micro-cap company with very limited liquidity and high volatility
Thin operating margins with cost pressures present
Modest revenue growth at 9.60%
Thin profit margins with limited profitability
Revenue is fairly priced at 2.12x sales
Solid earnings growth at 13.20%
Supporting Valuation Data
Riverview Bancorp Inc (RVSB) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 10 metrics analyzed, 3 register as strengths (avg 9.3/10) while 7 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Institutional Own., PEG Ratio. Valuation metrics including PEG Ratio (1.42), Price/Book (0.65) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Operating Margin. Some valuation metrics including Price/Sales (2.12) suggest expensive pricing. Growth concerns include Revenue Growth at 9.60%, EPS Growth at 13.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 3.01%, Operating Margin at 13.80%, Profit Margin at 9.15%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 3.01% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 9.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, Institutional Own.) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RVSB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RVSB's Price-to-Sales ratio of 2.12x trades 15% below its historical average of 2.5x (46th percentile). The current valuation is 79% below its historical high of 9.98x set in Apr 2006, and 278% above its historical low of 0.56x in Jun 2012.
WallStSmart Analysis Synopsis
Data-driven financial summary for Riverview Bancorp Inc (RVSB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Riverview Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 53M with 10% growth year-over-year. Profit margins are thin at 9.2%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 301.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -736,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Margin expansion: can Riverview Bancorp Inc push profit margins above 15% as the business scales?
Debt management: total debt of 90M is significantly higher than cash (29M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Riverview Bancorp Inc.
Bottom Line
Riverview Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Riverview Bancorp Inc(RVSB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Riverview Bancorp, Inc. is the holding company of Riverview Community Bank providing commercial banking services to small and medium-sized businesses, professionals and individuals who build wealth. The company is headquartered in Vancouver, Washington.