Switch to:

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 1.82
RVSB's Cash to Debt is ranked higher than
54% of the 973 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.46 vs. RVSB: 1.82 )
Ranked among companies with meaningful Cash to Debt only.
RVSB' s 10-Year Cash to Debt Range
Min: 0.16   Max: N/A
Current: 1.82

Equity to Asset 0.12
RVSB's Equity to Asset is ranked higher than
69% of the 1283 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 10-Year Equity to Asset Range
Min: 0.09   Max: 0.23
Current: 0.12

0.09
0.23
Interest Coverage 1.69
RVSB's Interest Coverage is ranked higher than
50% of the 1196 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.68 vs. RVSB: 1.69 )
Ranked among companies with meaningful Interest Coverage only.
RVSB' s 10-Year Interest Coverage Range
Min: 0.32   Max: 1.69
Current: 1.69

0.32
1.69
F-Score: 4
Z-Score: 0.21
WACC vs ROIC
12.81%
8.94%
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 (%) 18.66
RVSB's Operating margin (%) is ranked lower than
74% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.16 vs. RVSB: 18.66 )
Ranked among companies with meaningful Operating margin (%) only.
RVSB' s 10-Year Operating margin (%) Range
Min: -57.49   Max: 44.78
Current: 18.66

-57.49
44.78
Net-margin (%) 12.62
RVSB's Net-margin (%) is ranked lower than
76% of the 1347 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.21 vs. RVSB: 12.62 )
Ranked among companies with meaningful Net-margin (%) only.
RVSB' s 10-Year Net-margin (%) Range
Min: -78.18   Max: 59.57
Current: 12.62

-78.18
59.57
ROE (%) 4.46
RVSB's ROE (%) is ranked lower than
75% of the 1344 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. RVSB: 4.46 )
Ranked among companies with meaningful ROE (%) only.
RVSB' s 10-Year ROE (%) Range
Min: -34.68   Max: 22.02
Current: 4.46

-34.68
22.02
ROA (%) 0.54
RVSB's ROA (%) is ranked lower than
67% of the 1351 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.81 vs. RVSB: 0.54 )
Ranked among companies with meaningful ROA (%) only.
RVSB' s 10-Year ROA (%) Range
Min: -3.69   Max: 2.43
Current: 0.54

-3.69
2.43
ROC (Joel Greenblatt) (%) 41.64
RVSB's ROC (Joel Greenblatt) (%) is ranked lower than
68% of the 1333 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 75.43 vs. RVSB: 41.64 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
RVSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -140.37   Max: 219.35
Current: 41.64

-140.37
219.35
Revenue Growth (3Y)(%) -14.70
RVSB's Revenue Growth (3Y)(%) is ranked lower than
89% of the 1133 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. RVSB: -14.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
RVSB' s 10-Year Revenue Growth (3Y)(%) Range
Min: -24.1   Max: 22.7
Current: -14.7

-24.1
22.7
EBITDA Growth (3Y)(%) -15.30
RVSB's EBITDA Growth (3Y)(%) is ranked lower than
88% of the 986 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.40 vs. RVSB: -15.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
RVSB' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -60.2   Max: 20.5
Current: -15.3

-60.2
20.5
EPS Growth (3Y)(%) 53.60
RVSB's EPS Growth (3Y)(%) is ranked higher than
92% of the 1002 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. RVSB: 53.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
RVSB' s 10-Year EPS Growth (3Y)(%) Range
Min: -32.8   Max: 78.4
Current: 53.6

-32.8
78.4
» RVSB's 10-Y Financials

Financials


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

» Details

Guru Trades

RVSB Guru Trades in

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
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 4.80
RVSB's P/E(ttm) is ranked higher than
96% of the 1418 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. RVSB: 4.80 )
Ranked among companies with meaningful P/E(ttm) only.
RVSB' s 10-Year P/E(ttm) Range
Min: 3.87   Max: 33.98
Current: 4.8

3.87
33.98
Forward P/E 36.36
RVSB's Forward P/E is ranked lower than
96% of the 1312 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 12.14 vs. RVSB: 36.36 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 4.80
RVSB's PE(NRI) is ranked higher than
95% of the 1209 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.10 vs. RVSB: 4.80 )
Ranked among companies with meaningful PE(NRI) only.
RVSB' s 10-Year PE(NRI) Range
Min: 3.89   Max: 34.83
Current: 4.8

3.89
34.83
P/B 1.00
RVSB's P/B is ranked higher than
62% of the 1629 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. RVSB: 1.00 )
Ranked among companies with meaningful P/B only.
RVSB' s 10-Year P/B Range
Min: 0.23   Max: 2.07
Current: 1

0.23
2.07
P/S 2.70
RVSB's P/S is ranked higher than
58% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.90 vs. RVSB: 2.70 )
Ranked among companies with meaningful P/S only.
RVSB' s 10-Year P/S Range
Min: 0.46   Max: 16.31
Current: 2.7

0.46
16.31
PFCF 14.10
RVSB's PFCF is ranked lower than
64% of the 1116 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.70 vs. RVSB: 14.10 )
Ranked among companies with meaningful PFCF only.
RVSB' s 10-Year PFCF Range
Min: 1.19   Max: 26.43
Current: 14.1

1.19
26.43
POCF 13.58
RVSB's POCF is ranked lower than
71% of the 960 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.38 vs. RVSB: 13.58 )
Ranked among companies with meaningful POCF only.
RVSB' s 10-Year POCF Range
Min: 1.13   Max: 20.89
Current: 13.58

1.13
20.89
EV-to-EBIT 12.10
RVSB's EV-to-EBIT is ranked higher than
61% of the 1370 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.35 vs. RVSB: 12.10 )
Ranked among companies with meaningful EV-to-EBIT only.
RVSB' s 10-Year EV-to-EBIT Range
Min: -731.8   Max: 68.7
Current: 12.1

-731.8
68.7
Days Sales Outstanding 21.94
RVSB's Days Sales Outstanding is ranked higher than
77% of the 770 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 34.67 vs. RVSB: 21.94 )
Ranked among companies with meaningful Days Sales Outstanding only.
RVSB' s 10-Year Days Sales Outstanding Range
Min: 16.64   Max: 45.95
Current: 21.94

16.64
45.95

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.30
RVSB's Dividend Yield is ranked lower than
101% of the 2096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.60 vs. RVSB: 0.30 )
Ranked among companies with meaningful Dividend Yield only.
RVSB' s 10-Year Dividend Yield Range
Min: 1.32   Max: 11.84
Current: 0.3

1.32
11.84
Yield on cost (5-Year) 0.30
RVSB's Yield on cost (5-Year) is ranked lower than
101% of the 2101 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.00 vs. RVSB: 0.30 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
RVSB' s 10-Year Yield on cost (5-Year) Range
Min: 1.32   Max: 11.84
Current: 0.3

1.32
11.84
Share Buyback Rate -6.80
RVSB's Share Buyback Rate is ranked lower than
73% of the 917 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.40 vs. RVSB: -6.80 )
Ranked among companies with meaningful Share Buyback Rate only.
RVSB' s 10-Year Share Buyback Rate Range
Min: 8.5   Max: -27.8
Current: -6.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
RVSB's Price/Tangible Book is ranked higher than
55% of the 1632 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.30 vs. RVSB: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
RVSB' s 10-Year Price/Tangible Book Range
Min: 0.39   Max: 2.52
Current: 1.2

0.39
2.52
Price/DCF (Projected) 0.50
RVSB's Price/DCF (Projected) is ranked higher than
75% of the 954 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.70 vs. RVSB: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
RVSB' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 1.12
Current: 0.5

0.14
1.12
Price/Median PS Value 1.40
RVSB's Price/Median PS Value is ranked lower than
75% of the 1605 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. RVSB: 1.40 )
Ranked among companies with meaningful Price/Median PS Value only.
RVSB' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 8.42
Current: 1.4

0.29
8.42
Price/Graham Number 0.50
RVSB's Price/Graham Number is ranked higher than
89% of the 1422 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.90 vs. RVSB: 0.50 )
Ranked among companies with meaningful Price/Graham Number only.
RVSB' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 1.34
Current: 0.5

0.43
1.34
Earnings Yield (Greenblatt) 8.50
RVSB's Earnings Yield (Greenblatt) is ranked higher than
65% of the 1502 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. RVSB: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
RVSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 346.2
Current: 8.5

1.5
346.2
Forward Rate of Return (Yacktman) 3.19
RVSB's Forward Rate of Return (Yacktman) is ranked lower than
74% of the 761 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.69 vs. RVSB: 3.19 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
RVSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -7.2   Max: 80.7
Current: 3.19

-7.2
80.7

Business Description

Industry: Banks » Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC » details
Riverview Bancorp Inc operates as the 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, Wood Village, Gresham, and Aumsville, Oregon.
» More Articles for RVSB

Headlines

Articles On GuruFocus.com
comment on RVSB Mar 23 2013 
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 

More From Other Websites
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... May 05 2015
Riverview Bancorp posts 4Q profit Apr 30 2015
Riverview Bancorp posts 4Q profit Apr 30 2015
Riverview Bancorp Earnings Increase to $1.5 Million in Fourth Fiscal Quarter; Led by Credit Quality... Apr 30 2015
Riverview Bancorp Earnings Increase to $1.5 Million in Fourth Fiscal Quarter; Led by Credit Quality... Apr 30 2015
Corrected: Riverview Bancorp Reinstates Cash Dividend Apr 01 2015
Corrected: Riverview Bancorp Reinstates Cash Dividend Apr 01 2015
BankFinancial (BFIN) Gains 1.2% on New Buyback Plan - Analyst Blog Apr 01 2015
Riverview Bancorp Reinstates Cash Dividend Mar 31 2015
Riverview Bancorp Reinstates Cash Dividend Mar 31 2015
RIVERVIEW BANCORP INC Financials Feb 20 2015
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Feb 13 2015
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Feb 03 2015
Riverview Bancorp posts 3Q profit Jan 29 2015
Riverview Bancorp posts 3Q profit Jan 29 2015
Riverview Bancorp Third Fiscal Quarter Earnings of $1.1 Million; Credit Quality Continues to Improve Jan 29 2015
RIVERVIEW BANCORP INC Files SEC form 8-K, Change in Directors or Principal Officers, Financial... Dec 22 2014
Bradley Carlson Named to Riverview Board Dec 22 2014
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 13 2014
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 31 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK