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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 1.86
RVSB's Cash to Debt is ranked higher than
51% of the 1088 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.69 vs. RVSB: 1.86 )
Ranked among companies with meaningful Cash to Debt only.
RVSB' s Cash to Debt Range Over the Past 10 Years
Min: 0.16  Med: 0.97 Max: N/A
Current: 1.86
Equity to Asset 0.12
RVSB's Equity to Asset is ranked higher than
69% of the 1578 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: 0.23
Current: 0.12
0.09
0.23
Interest Coverage 5.46
RVSB's Interest Coverage is ranked higher than
82% of the 1429 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.82 vs. RVSB: 5.46 )
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: 3.47
Current: 5.46
0.51
3.47
F-Score: 4
WACC vs ROIC
6.43%
10.59%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 25.05
RVSB's Operating margin (%) is ranked lower than
67% of the 1590 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.86 vs. RVSB: 25.05 )
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: 25.05
-57.49
39.02
Net-margin (%) 17.01
RVSB's Net-margin (%) is ranked lower than
69% of the 1593 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 22.37 vs. RVSB: 17.01 )
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: 17.01
-78.18
59.57
ROE (%) 6.19
RVSB's ROE (%) is ranked lower than
65% of the 1589 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.01 vs. RVSB: 6.19 )
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: 6.19
-34.68
22.02
ROA (%) 0.75
RVSB's ROA (%) is ranked lower than
58% of the 1598 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.86 vs. RVSB: 0.75 )
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: 0.75
-3.69
2.43
Revenue Growth (3Y)(%) -4.20
RVSB's Revenue Growth (3Y)(%) is ranked lower than
74% of the 1284 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.10 vs. RVSB: -4.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RVSB' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -24.1  Med: 7.50 Max: 22.7
Current: -4.2
-24.1
22.7
» RVSB's 10-Y Financials

Financials


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

» 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

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 16.39
RVSB's P/E(ttm) is ranked lower than
77% of the 2227 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.73 vs. RVSB: 16.39 )
Ranked among companies with meaningful P/E(ttm) only.
RVSB' s P/E(ttm) Range Over the Past 10 Years
Min: 3.84  Med: 15.18 Max: 660
Current: 16.39
3.84
660
Forward P/E 36.36
RVSB's Forward P/E is ranked lower than
99% of the 1342 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.05 vs. RVSB: 36.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.39
RVSB's PE(NRI) is ranked lower than
74% of the 1697 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.19 vs. RVSB: 16.39 )
Ranked among companies with meaningful PE(NRI) only.
RVSB' s PE(NRI) Range Over the Past 10 Years
Min: 3.89  Med: 14.81 Max: 34.83
Current: 16.39
3.89
34.83
P/B 0.91
RVSB's P/B is ranked higher than
55% of the 2260 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. RVSB: 0.91 )
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: 0.91
0.23
2.07
P/S 2.51
RVSB's P/S is ranked lower than
51% of the 2511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.50 vs. RVSB: 2.51 )
Ranked among companies with meaningful P/S only.
RVSB' s P/S Range Over the Past 10 Years
Min: 0.46  Med: 1.90 Max: 4.2
Current: 2.51
0.46
4.2
PFCF 35.42
RVSB's PFCF is ranked lower than
93% of the 1363 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.00 vs. RVSB: 35.42 )
Ranked among companies with meaningful PFCF only.
RVSB' s PFCF Range Over the Past 10 Years
Min: 1.21  Med: 8.83 Max: 59.38
Current: 35.42
1.21
59.38
POCF 30.36
RVSB's POCF is ranked lower than
93% of the 1543 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.06 vs. RVSB: 30.36 )
Ranked among companies with meaningful POCF only.
RVSB' s POCF Range Over the Past 10 Years
Min: 1.14  Med: 7.44 Max: 45.69
Current: 30.36
1.14
45.69
EV-to-EBIT 3.59
RVSB's EV-to-EBIT is ranked higher than
94% of the 2177 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.38 vs. RVSB: 3.59 )
Ranked among companies with meaningful EV-to-EBIT only.
RVSB' s EV-to-EBIT Range Over the Past 10 Years
Min: -731.8  Med: 4.85 Max: 68.7
Current: 3.59
-731.8
68.7
EV-to-EBITDA 2.57
RVSB's EV-to-EBITDA is ranked higher than
95% of the 2182 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.15 vs. RVSB: 2.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
RVSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -628.4  Med: 4.25 Max: 168.3
Current: 2.57
-628.4
168.3
Shiller P/E 21.16
RVSB's Shiller P/E is ranked lower than
76% of the 675 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.91 vs. RVSB: 21.16 )
Ranked among companies with meaningful Shiller P/E only.
RVSB' s Shiller P/E Range Over the Past 10 Years
Min: 2.97  Med: 7.64 Max: 24.95
Current: 21.16
2.97
24.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.32
RVSB's Dividend Yield is ranked lower than
84% of the 2412 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.03 vs. RVSB: 1.32 )
Ranked among companies with meaningful Dividend Yield only.
RVSB' s Dividend Yield Range Over the Past 10 Years
Min: 0.29  Med: 2.86 Max: 11.84
Current: 1.32
0.29
11.84
Dividend Payout 0.20
RVSB's Dividend Payout is ranked higher than
85% of the 1441 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.34 vs. RVSB: 0.20 )
Ranked among companies with meaningful Dividend Payout only.
RVSB' s Dividend Payout Range Over the Past 10 Years
Min: 0.16  Med: 0.41 Max: 12.6
Current: 0.2
0.16
12.6
Forward Dividend Yield 1.62
RVSB's Forward Dividend Yield is ranked lower than
82% of the 2191 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.26 vs. RVSB: 1.62 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 1.30
RVSB's Yield on cost (5-Year) is ranked lower than
83% of the 2446 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.42 vs. RVSB: 1.30 )
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: 0.29  Med: 2.86 Max: 11.84
Current: 1.3
0.29
11.84
3-Year Average Share Buyback Ratio -0.20
RVSB's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1061 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.70 vs. RVSB: -0.20 )
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: -27.8  Med: -2.00 Max: 8.5
Current: -0.2
-27.8
8.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.22
RVSB's Price/Tangible Book is ranked lower than
61% of the 2171 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 38.57 vs. RVSB: 1.22 )
Ranked among companies with meaningful Price/Tangible Book only.
RVSB' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.39  Med: 1.21 Max: 2.52
Current: 1.22
0.39
2.52
Price/Projected FCF 0.58
RVSB's Price/Projected FCF is ranked higher than
56% of the 1316 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. RVSB: 0.58 )
Ranked among companies with meaningful Price/Projected FCF only.
RVSB' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.51 Max: 1.19
Current: 0.58
0.15
1.19
Price/Median PS Value 1.38
RVSB's Price/Median PS Value is ranked lower than
88% of the 2067 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. RVSB: 1.38 )
Ranked among companies with meaningful Price/Median PS Value only.
RVSB' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.29  Med: 1.38 Max: 5.2
Current: 1.38
0.29
5.2
Price/Graham Number 0.95
RVSB's Price/Graham Number is ranked lower than
67% of the 2007 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.77 vs. RVSB: 0.95 )
Ranked among companies with meaningful Price/Graham Number only.
RVSB' s Price/Graham Number Range Over the Past 10 Years
Min: 0.43  Med: 0.94 Max: 1.33
Current: 0.95
0.43
1.33
Earnings Yield (Greenblatt) (%) 27.82
RVSB's Earnings Yield (Greenblatt) (%) is ranked higher than
94% of the 1519 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.20 vs. RVSB: 27.82 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
RVSB' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.5  Med: 11.50 Max: 358.7
Current: 27.82
1.5
358.7
Forward Rate of Return (Yacktman) (%) 1.43
RVSB's Forward Rate of Return (Yacktman) (%) is ranked lower than
63% of the 869 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.65 vs. RVSB: 1.43 )
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: 1  Med: 26.90 Max: 80.7
Current: 1.43
1
80.7

More Statistics

Revenue(Mil) $38
EPS $ 0.29
Beta0.17
Short Percentage of Float0.05%
52-Week Range $4.00 - 5.48
Shares Outstanding(Mil)22.51

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
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.
» 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 

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