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2.5 (1y: +88%)
Market Cap 56.1 M P/E(ttm) 20.90
Enterprise Value 78.85 M P/B
RVSB- NAS (USA)
Riverview Bancorp, Inc.
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$2.50
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GuruFocus Financial Strength Rank measures how strong a companyย’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 : 5/10

vs
industry		 vs
history
Cash to Debt No Debt
RVSB's Cash to Debt is ranked higher than
78% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.85 vs. RVSB: No Debt )
RVSB' s 10-Year Cash to Debt Range
Min: 0.13   Max: No Debt
Current: No Debt
Interest Coverage No Debt
RVSB's Interest Coverage is ranked lower than
56% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10000.00 vs. RVSB: No Debt )
RVSB' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.26
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’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.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

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 : 3/10

vs
industry		 vs
history
Operating margin (%) -38.10
RVSB's Operating margin (%) is ranked lower than
57% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 25.80 vs. RVSB: -38.10 )
RVSB' s 10-Year Operating margin (%) Range
Min: -57.5   Max: 39
Current: -38.1
-57.5
39
Net-margin (%) -37.6
RVSB's Net-margin (%) is ranked higher than
51% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 18.10 vs. RVSB: -37.6 )
RVSB' s 10-Year Net-margin (%) Range
Min: -78.2   Max: 25.5
Current: -37.6
-78.2
25.5
Revenue Growth (%) -18
RVSB's Revenue Growth (%) is ranked lower than
66% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.70 vs. RVSB: -18 )
RVSB' s 10-Year Revenue Growth (%) Range
Min: -18   Max: 10.6
Current: -18
-18
10.6
EBITDA Growth (%) -0.8
RVSB's EBITDA Growth (%) is ranked higher than
98% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.10 vs. RVSB: -0.8 )
RVSB' s 10-Year EBITDA Growth (%) Range
Min: -24.2   Max: 51.6
Current: -0.8
-24.2
51.6
EPS Growth (%) 7
RVSB's EPS Growth (%) is ranked higher than
98% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.40 vs. RVSB: 7 )
RVSB' s 10-Year EPS Growth (%) Range
Min: -25.8   Max: 54.4
Current: 7
-25.8
54.4
ยป RVSB's 10-Y Financials

Financials


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

» Details

Guru Trades

RVSB Guru Trades in

RVSB Guru Trades in

Q4 2012

RVSB Guru Trades in Q4 2012

John Burbank 28,409 sh (New)
» More
Q1 2013

RVSB Guru Trades in Q1 2013

John Burbank Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with RVSB

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Burbank 2013-03-31 Sold Out $1.66 - $2.755 $ 2.514%0
John Burbank 2012-12-31 New Buy$1.41 - $1.99 $ 2.549%28409
Premium More recent guru trades are included for Premium Members only!!

Ratios

vs
industry		 vs
history
P/E(ttm) 20.90
RVSB's P/E(ttm) is ranked lower than
56% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.43 vs. RVSB: 20.90 )
RVSB' s 10-Year P/E(ttm) Range
Min: 9.54   Max: 34.83
Current: 20.9
9.54
34.83
P/S 1.41
RVSB's P/S is ranked higher than
80% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.20 vs. RVSB: 1.41 )
RVSB' s 10-Year P/S Range
Min: 0.46   Max: 4.46
Current: 1.41
0.46
4.46
PFCF 7.90
RVSB's PFCF is ranked higher than
64% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. RVSB: 7.90 )
RVSB' s 10-Year PFCF Range
Min: 1.13   Max: 20.89
Current: 7.9
1.13
20.89
EV-to-EBIT 30.3
RVSB's EV-to-EBIT is ranked higher than
53% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 16.90 vs. RVSB: 30.3 )
RVSB' s 10-Year EV-to-EBIT Range
Min: 3.2   Max: 68.5
Current: 30.3
3.2
68.5
Shiller P/E 143.4
RVSB's Shiller P/E is ranked lower than
51% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.60 vs. RVSB: 143.4 )
RVSB' s 10-Year Shiller P/E Range
Min: 2.75   Max: 235
Current: 143.4
2.75
235

Valuation & Return

vs
industry		 vs
history
Price/DCF (Projected) 0.3
RVSB's Price/DCF (Projected) is ranked higher than
52% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.50 vs. RVSB: 0.3 )
RVSB' s 10-Year Price/DCF (Projected) Range
Min: 0.1   Max: 0.8
Current: 0.3
0.1
0.8
Price/Median PS Value 0.6
RVSB's Price/Median PS Value is ranked lower than
68% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. RVSB: 0.6 )
RVSB' s 10-Year Price/Median PS Value Range
Min: 0.2   Max: 1.6
Current: 0.6
0.2
1.6
Earnings Yield (Greenblatt) 3.30
RVSB's Earnings Yield (Greenblatt) is ranked higher than
62% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 5.80 vs. RVSB: 3.30 )
RVSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 31.2
Current: 3.3
1.5
31.2
Forward Rate of Return (Yacktman) 32.01
RVSB's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 811 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.01 vs. RVSB: 32.01 )
RVSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 15.9   Max: 50.9
Current: 32.01
15.9
50.9

Business Description

Riverview Bancorp, Inc., a Washington corporation, is the savings and loan holding company of Riverview Community Bank (the 'Bank'). At March 31, 2012, the Company had total assets of $856.0 million, total deposit accounts of $744.5 million and shareholders' equity of $75.6 million. The Company is engaged predominantly in the business of attracting deposits from the general public and using such funds in its primary market area to originate commercial business, commercial real estate, multi-family real estate, real estate construction, residential real estate and other consumer loans. Commercial business, commercial real estate and real estate construction loans have decreased to 80.0% of the loan portfolio at March 31, 2012 from 83.6% at March 31, 2011, decreasing the risk profile of the total loan portfolio. The Company's strategy over the past several years has been to control balance sheet growth, including the targeted reduction of residential construction related loans, in order to improve its regulatory capital ratios. Speculative construction loans, consisting of unsold properties under construction, represented $10.8 million, or 87.5% of the residential construction portfolio at March 31, 2012, compared to $16.5 million a year ago, a decline of 34.7%. Total real estate construction loans at March 31, 2012 declined to $25.8 million or 5.8% from $27.4 million a year ago. Land acquisition and development loans were $38.9 million at March 31, 2012 compared to $55.3 million a year ago, which represents a decline of 29.6%. Recently, the Company's primary focus has been on increasing commercial business loans, owner occupied commercial real estate loans and quality one-to-four family mortgage loans. One-to-four family loans increased $30.4 million to $100.6 million at March 31, 2012 from $70.2 million at March 31, 2011. The Company conducts operations from its home office in Vancouver and seventeen branch offices located in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver (seven branch offices) and Longview, Washington and Portland, Wood Village and Aumsville, Oregon. Additionally, the Company recently announced plans to open a new branch in Gresham, Oregon expected to be open in June 2012. The Company operates a trust and financial services company, Riverview Asset Management Corp. ('RAMCorp'), located in downtown Vancouver, Washington. Riverview Mortgage, a mortgage broker division of the Bank, originates mortgage loans for various mortgage companies predominantly in the Vancouver/Portland metropolitan areas, as well as for the Bank. The Bank's Business and Professional Banking Division, with one lending office in Vancouver and one lending office in Portland, Oregon offers commercial and business banking services. The Bank also operates a lending office for mortgage banking activities.
Company Website
SEC Reports
Industry: Savings & Cooperative Banks
Compare:OCN, HOME, PBCT, HCBK, ISBC
ยป 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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