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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.87
RVSB's Cash to Debt is ranked lower than
51% of the 1134 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.18 vs. RVSB: 2.87 )
Ranked among companies with meaningful Cash to Debt only.
RVSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.23  Med: 0.93 Max: 6.37
Current: 2.87
0.23
6.37
Equity to Asset 0.12
RVSB's Equity to Asset is ranked higher than
68% of the 1602 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. RVSB: 0.12 )
Ranked among companies with meaningful Equity to Asset only.
RVSB' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.12 Max: 0.22
Current: 0.12
0.09
0.22
Interest Coverage 5.62
RVSB's Interest Coverage is ranked higher than
84% of the 1585 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.62 vs. RVSB: 5.62 )
Ranked among companies with meaningful Interest Coverage only.
RVSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.51  Med: 0.80 Max: 5.62
Current: 5.62
0.51
5.62
F-Score: 6
M-Score: -2.37
WACC vs ROIC
2.44%
11.08%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 25.36
RVSB's Operating margin (%) is ranked lower than
65% of the 1621 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 31.11 vs. RVSB: 25.36 )
Ranked among companies with meaningful Operating margin (%) only.
RVSB' s Operating margin (%) Range Over the Past 10 Years
Min: -57.49  Med: 14.19 Max: 39.02
Current: 25.36
-57.49
39.02
Net-margin (%) 16.48
RVSB's Net-margin (%) is ranked lower than
70% of the 1620 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.40 vs. RVSB: 16.48 )
Ranked among companies with meaningful Net-margin (%) only.
RVSB' s Net-margin (%) Range Over the Past 10 Years
Min: -78.18  Med: 11.32 Max: 59.57
Current: 16.48
-78.18
59.57
ROE (%) 6.01
RVSB's ROE (%) is ranked lower than
67% of the 1615 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.20 vs. RVSB: 6.01 )
Ranked among companies with meaningful ROE (%) only.
RVSB' s ROE (%) Range Over the Past 10 Years
Min: -34.68  Med: 4.49 Max: 22.02
Current: 6.01
-34.68
22.02
ROA (%) 0.72
RVSB's ROA (%) is ranked lower than
61% of the 1625 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.87 vs. RVSB: 0.72 )
Ranked among companies with meaningful ROA (%) only.
RVSB' s ROA (%) Range Over the Past 10 Years
Min: -3.69  Med: 0.52 Max: 2.43
Current: 0.72
-3.69
2.43
EBITDA Growth (3Y)(%) 42.00
RVSB's EBITDA Growth (3Y)(%) is ranked higher than
92% of the 1226 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. RVSB: 42.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RVSB' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -31  Med: 11.15 Max: 75.3
Current: 42
-31
75.3
EPS Growth (3Y)(%) 32.60
RVSB's EPS Growth (3Y)(%) is ranked higher than
86% of the 1211 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. RVSB: 32.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RVSB' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -32.8  Med: 12.50 Max: 78.4
Current: 32.6
-32.8
78.4
» RVSB's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q3 2014

RVSB Guru Trades in Q3 2014

Jim Simons 11,504 sh (New)
» More
Q4 2014

RVSB Guru Trades in Q4 2014

Jim Simons 15,401 sh (+33.88%)
» More
Q1 2015

RVSB Guru Trades in Q1 2015

Jim Simons 16,500 sh (+7.14%)
» More
Q2 2015

RVSB Guru Trades in Q2 2015

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with RVSB

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Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:NAS:TSBK, NAS:FCAP, NAS:OFED, NAS:PBIP, NAS:MLVF, NAS:CBNK, NAS:ICBK, NAS:FSBK, NAS:FCLF, OTCBB:NWIN, NAS:LSBK, NAS:HFBC, NAS:MSBF, NAS:HFFC, OTCBB:NIDB, NAS:GCBC, NAS:IROQ, NAS:KFFB, AMEX:BKJ, NAS:PBSK » details
Riverview Bancorp Inc is the savings & loan holding company of Riverview Community Bank. The Company is engaged in the business of attracting deposits from the general public & using such funds in its primary market area to originate commercial business.

Riverview Bancorp Inc operates as an holding company for Riverview Community Bank. The Bank provides an array of banking products and services in the USA. It offers deposit instruments, including demand deposits, negotiable order of withdrawal accounts, money market accounts, regular savings accounts, certificates of deposit, and retirement savings plans. Its lending portfolio comprises of commercial loans, real estate construction as well as other real estate mortgage lending. It also offers consumer loans, such as real estate one-to-four family and other installment loans. In addition, it offers asset management services comprising trust, estate planning, and investment management services. The Company operates through a home office in Vancouver, as well as 18 branch offices located in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver, and Longview, Washington, and Portland, Gresham and Aumsville, Oregon.

Ratios

vs
industry
vs
history
P/E(ttm) 17.21
RVSB's P/E(ttm) is ranked lower than
72% of the 1682 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.67 vs. RVSB: 17.21 )
Ranked among companies with meaningful P/E(ttm) only.
RVSB' s P/E(ttm) Range Over the Past 10 Years
Min: 3.84  Med: 14.72 Max: 34.83
Current: 17.21
3.84
34.83
PE(NRI) 17.21
RVSB's PE(NRI) is ranked lower than
71% of the 1537 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.86 vs. RVSB: 17.21 )
Ranked among companies with meaningful PE(NRI) only.
RVSB' s PE(NRI) Range Over the Past 10 Years
Min: 3.84  Med: 14.63 Max: 34.83
Current: 17.21
3.84
34.83
Price/Owner Earnings (ttm) 12.39
RVSB's Price/Owner Earnings (ttm) is ranked higher than
51% of the 851 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.62 vs. RVSB: 12.39 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
RVSB' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.36  Med: 12.44 Max: 34.9
Current: 12.39
3.36
34.9
P/B 1.00
RVSB's P/B is ranked higher than
54% of the 1759 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.04 vs. RVSB: 1.00 )
Ranked among companies with meaningful P/B only.
RVSB' s P/B Range Over the Past 10 Years
Min: 0.23  Med: 0.80 Max: 2.07
Current: 1
0.23
2.07
P/S 2.81
RVSB's P/S is ranked higher than
53% of the 1761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.94 vs. RVSB: 2.81 )
Ranked among companies with meaningful P/S only.
RVSB' s P/S Range Over the Past 10 Years
Min: 0.46  Med: 1.89 Max: 16.29
Current: 2.81
0.46
16.29
PFCF 10.13
RVSB's PFCF is ranked higher than
50% of the 918 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.16 vs. RVSB: 10.13 )
Ranked among companies with meaningful PFCF only.
RVSB' s PFCF Range Over the Past 10 Years
Min: 1.21  Med: 8.88 Max: 119.57
Current: 10.13
1.21
119.57
POCF 9.78
RVSB's POCF is ranked lower than
56% of the 1025 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.89 vs. RVSB: 9.78 )
Ranked among companies with meaningful POCF only.
RVSB' s POCF Range Over the Past 10 Years
Min: 1.14  Med: 8.19 Max: 35.64
Current: 9.78
1.14
35.64
EV-to-EBIT 6.28
RVSB's EV-to-EBIT is ranked higher than
83% of the 1650 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.90 vs. RVSB: 6.28 )
Ranked among companies with meaningful EV-to-EBIT only.
RVSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -731.8  Med: 5.10 Max: 68.7
Current: 6.28
-731.8
68.7
EV-to-EBITDA 4.70
RVSB's EV-to-EBITDA is ranked higher than
88% of the 1649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.75 vs. RVSB: 4.70 )
Ranked among companies with meaningful EV-to-EBITDA only.
RVSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -628.4  Med: 4.20 Max: 168.3
Current: 4.7
-628.4
168.3
Shiller P/E 30.20
RVSB's Shiller P/E is ranked lower than
85% of the 491 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.16 vs. RVSB: 30.20 )
Ranked among companies with meaningful Shiller P/E only.
RVSB' s Shiller P/E Range Over the Past 10 Years
Min: 3.02  Med: 8.69 Max: 30.75
Current: 30.2
3.02
30.75

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
RVSB's Dividend Yield is ranked lower than
80% of the 2235 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.98 vs. RVSB: 1.50 )
Ranked among companies with meaningful Dividend Yield only.
RVSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.24  Med: 2.70 Max: 11.84
Current: 1.5
0.24
11.84
Dividend Payout 0.27
RVSB's Dividend Payout is ranked higher than
62% of the 1294 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. RVSB: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
RVSB' s Dividend Payout Range Over the Past 10 Years
Min: 0.1  Med: 0.41 Max: 0.53
Current: 0.27
0.1
0.53
Forward Dividend Yield 1.66
RVSB's Forward Dividend Yield is ranked lower than
82% of the 2109 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.21 vs. RVSB: 1.66 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.51
RVSB's Yield on cost (5-Year) is ranked lower than
82% of the 2505 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.58 vs. RVSB: 1.51 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RVSB' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.24  Med: 2.70 Max: 11.84
Current: 1.51
0.24
11.84
3-Year Average Share Buyback Ratio -0.10
RVSB's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1042 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -2.00 vs. RVSB: -0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
RVSB' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -27.2  Med: -0.50 Max: 8.7
Current: -0.1
-27.2
8.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.32
RVSB's Price/Tangible Book is ranked lower than
61% of the 1747 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.12 vs. RVSB: 1.32 )
Ranked among companies with meaningful Price/Tangible Book only.
RVSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.44  Med: 1.20 Max: 2.52
Current: 1.32
0.44
2.52
Price/Projected FCF 0.62
RVSB's Price/Projected FCF is ranked higher than
58% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.67 vs. RVSB: 0.62 )
Ranked among companies with meaningful Price/Projected FCF only.
RVSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.17  Med: 0.57 Max: 2.83
Current: 0.62
0.17
2.83
Price/Median PS Value 1.49
RVSB's Price/Median PS Value is ranked lower than
88% of the 1684 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.01 vs. RVSB: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
RVSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.31  Med: 1.34 Max: 8.47
Current: 1.49
0.31
8.47
Price/Graham Number 1.01
RVSB's Price/Graham Number is ranked lower than
64% of the 1552 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.84 vs. RVSB: 1.01 )
Ranked among companies with meaningful Price/Graham Number only.
RVSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 1.00 Max: 1.43
Current: 1.01
0.43
1.43
Earnings Yield (Greenblatt) (%) 15.90
RVSB's Earnings Yield (Greenblatt) (%) is ranked higher than
85% of the 1803 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. RVSB: 15.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RVSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 10.40 Max: 358.7
Current: 15.9
1.5
358.7
Forward Rate of Return (Yacktman) (%) 4.75
RVSB's Forward Rate of Return (Yacktman) (%) is ranked lower than
71% of the 844 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.22 vs. RVSB: 4.75 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
RVSB' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -7.2  Med: 16.50 Max: 80.7
Current: 4.75
-7.2
80.7

More Statistics

Revenue (TTM) (Mil) $38.58
EPS (TTM) $ 0.28
Beta0.05
Short Percentage of Float0.05%
52-Week Range $4.15 - 5.48
Shares Outstanding (Mil)22.51
» More Articles for RVSB

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: NGL, UNTK, ZGNX, VTSS, RVSB Dec 24 2012 
Riverview Bancorp Inc Reports Operating Results (10-Q) Feb 09 2011 
Riverview Bancorp Inc Reports Operating Results (10-Q) Nov 04 2010 
Weekly CFO Buys Highlight: Riverview Bancorp, BioScrip, Cascade Financial, Bank Mutual, Sykes Enterp Aug 07 2010 
Riverview Bancorp Inc (RVSB) CFO Kevin J Lycklama buys 20,000 Shares Aug 02 2010 
Riverview Bancorp Inc (RVSB) EVP/Trust Co. Chairman/Pres. John A Karas buys 1,000 Shares Aug 02 2010 
Riverview Bancorp Inc (RVSB) President / COO Ronald A Wysaske buys 27,778 Shares Aug 02 2010 
Riverview Bancorp Inc (RVSB) CEO Patrick Sheaffer buys 55,555 Shares Aug 02 2010 
Riverview Bancorp Inc Reports Operating Results (10-K) May 28 2010 
Riverview Bancorp Inc Reports Operating Results (10-Q) Feb 02 2010 

More From Other Websites
Riverview Bancorp Declares Quarterly Cash Dividend Jun 28 2016
Riverview Bancorp Declares Quarterly Cash Dividend Jun 28 2016
RIVERVIEW BANCORP INC Financials Jun 17 2016
RIVERVIEW BANCORP INC Files SEC form 10-K, Annual Report Jun 14 2016
Riverview Bancorp, Inc. :RVSB-US: Earnings Analysis: Q4, 2016 By the Numbers May 05 2016
RIVERVIEW BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Amendments to... May 03 2016
Riverview Bancorp, Inc. Appoints David Nierenberg to Board of Directors May 03 2016
Riverview Bancorp, Inc. Appoints David Nierenberg to Board of Directors May 03 2016
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 02 2016
Riverview Trust Company Names Chris Cline as President May 02 2016
Riverview Trust Company Names Chris Cline as President May 02 2016
Riverview Bancorp Earns $1.4 Million in Fourth Quarter and $6.4 Million in Fiscal 2016; Highlighted... Apr 28 2016
Riverview Bancorp Earns $1.4 Million in Fourth Quarter and $6.4 Million in Fiscal 2016; Highlighted... Apr 28 2016
Riverview Trust Company Names Chris Cline as President Apr 27 2016
Riverview Promotes Steven Plambeck to Commercial Team Leader for Oregon Market Apr 08 2016
Riverview Bancorp Declares Quarterly Cash Dividend Mar 28 2016
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Feb 09 2016
Riverview Bancorp, Inc. Earnings Analysis: Q3, 2016 By the Numbers Feb 03 2016
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 02 2016
Riverview Bancorp posts 3Q profit Jan 28 2016

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