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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 3.04
RVSB's Cash to Debt is ranked higher than
81% of the 1266 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.28 vs. RVSB: 3.04 )
RVSB' s 10-Year Cash to Debt Range
Min: 0.16   Max: No Debt
Current: 3.04

Equity to Asset 0.12
RVSB's Equity to Asset is ranked higher than
83% of the 1651 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.09 vs. RVSB: 0.12 )
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
72% of the 1508 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. RVSB: 1.69 )
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: 0.18
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 (%) 13.32
RVSB's Operating margin (%) is ranked higher than
54% of the 1652 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 29.46 vs. RVSB: 13.32 )
RVSB' s 10-Year Operating margin (%) Range
Min: -57.49   Max: 44.78
Current: 13.32

-57.49
44.78
Net-margin (%) 59.57
RVSB's Net-margin (%) is ranked higher than
97% of the 1671 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.71 vs. RVSB: 59.57 )
RVSB' s 10-Year Net-margin (%) Range
Min: -78.18   Max: 59.57
Current: 59.57

-78.18
59.57
ROE (%) 19.82
RVSB's ROE (%) is ranked higher than
97% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.17 vs. RVSB: 19.82 )
RVSB' s 10-Year ROE (%) Range
Min: -41.87   Max: 19.82
Current: 19.82

-41.87
19.82
ROA (%) 2.36
RVSB's ROA (%) is ranked higher than
96% of the 1674 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.75 vs. RVSB: 2.36 )
RVSB' s 10-Year ROA (%) Range
Min: -3.7   Max: 2.36
Current: 2.36

-3.7
2.36
ROC (Joel Greenblatt) (%) 26.45
RVSB's ROC (Joel Greenblatt) (%) is ranked higher than
58% of the 1624 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 73.28 vs. RVSB: 26.45 )
RVSB' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -136.39   Max: 125
Current: 26.45

-136.39
125
Revenue Growth (%) -14.70
RVSB's Revenue Growth (%) is ranked higher than
52% of the 1452 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.00 vs. RVSB: -14.70 )
RVSB' s 10-Year Revenue Growth (%) Range
Min: -24.1   Max: 22.7
Current: -14.7

-24.1
22.7
EBITDA Growth (%) -15.30
RVSB's EBITDA Growth (%) is ranked higher than
56% of the 1307 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.70 vs. RVSB: -15.30 )
RVSB' s 10-Year EBITDA Growth (%) Range
Min: -30.8   Max: 74.1
Current: -15.3

-30.8
74.1
EPS Growth (%) 53.60
RVSB's EPS Growth (%) is ranked higher than
95% of the 1293 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 9.10 vs. RVSB: 53.60 )
RVSB' s 10-Year EPS Growth (%) 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

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

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

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Burbank 2013-03-31 Sold Out 0.0019%$1.66 - $2.755 $ 3.8474%0
John Burbank 2012-12-31 New Buy$1.41 - $1.99 $ 3.84129%28409
Premium More recent guru trades are included for Premium Members only!!
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Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 4.60
RVSB's P/E(ttm) is ranked higher than
98% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.40 vs. RVSB: 4.60 )
RVSB' s 10-Year P/E(ttm) Range
Min: 3.87   Max: 33.98
Current: 4.6

3.87
33.98
P/B 0.90
RVSB's P/B is ranked higher than
83% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.20 vs. RVSB: 0.90 )
RVSB' s 10-Year P/B Range
Min: 0.23   Max: 2.07
Current: 0.9

0.23
2.07
P/S 2.60
RVSB's P/S is ranked higher than
72% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.11 vs. RVSB: 2.60 )
RVSB' s 10-Year P/S Range
Min: 0.46   Max: 13.66
Current: 2.6

0.46
13.66
PFCF 10.70
RVSB's PFCF is ranked higher than
77% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 109.09 vs. RVSB: 10.70 )
RVSB' s 10-Year PFCF Range
Min: 1.27   Max: 15.03
Current: 10.7

1.27
15.03
EV-to-EBIT 1.85
RVSB's EV-to-EBIT is ranked higher than
99% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 17.74 vs. RVSB: 1.85 )
RVSB' s 10-Year EV-to-EBIT Range
Min: 0.3   Max: 68.7
Current: 1.85

0.3
68.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.17
RVSB's Price/Tangible Book is ranked higher than
78% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.42 vs. RVSB: 1.17 )
RVSB' s 10-Year Price/Tangible Book Range
Min: 0.39   Max: 2.52
Current: 1.17

0.39
2.52
Price/DCF (Projected) 0.49
RVSB's Price/DCF (Projected) is ranked higher than
88% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.09 vs. RVSB: 0.49 )
RVSB' s 10-Year Price/DCF (Projected) Range
Min: 0.13   Max: 1.02
Current: 0.49

0.13
1.02
Price/Median PS Value 1.37
RVSB's Price/Median PS Value is ranked higher than
61% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.13 vs. RVSB: 1.37 )
RVSB' s 10-Year Price/Median PS Value Range
Min: 0.29   Max: 7.12
Current: 1.37

0.29
7.12
Price/Graham Number 0.50
RVSB's Price/Graham Number is ranked higher than
94% of the 1834 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.10 vs. RVSB: 0.50 )
RVSB' s 10-Year Price/Graham Number Range
Min: 0.43   Max: 1.34
Current: 0.5

0.43
1.34
Earnings Yield (Greenblatt) 54.10
RVSB's Earnings Yield (Greenblatt) is ranked higher than
98% of the 1606 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.90 vs. RVSB: 54.10 )
RVSB' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.5   Max: 346.2
Current: 54.1

1.5
346.2
Forward Rate of Return (Yacktman) 18.97
RVSB's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1309 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 15.11 vs. RVSB: 18.97 )
RVSB' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 6.8   Max: 51.5
Current: 18.97

6.8
51.5

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 

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RIVERVIEW BANCORP INC Files SEC form 10-K, Annual Report Jun 13 2014
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Riverview Bancorp announces lifting of agreement with Riverview Community Bank Apr 08 2014
Riverview Promotes Daniel Cox to Chief Credit Officer Mar 05 2014
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Feb 13 2014
Riverview Bancorp Hits New 52-Week High Feb 10 2014
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Riverview Bancorp Earns $801,000 in Third Fiscal Quarter, Posting Its Sixth Consecutive Quarter of... Jan 30 2014
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 12 2013
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RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Aug 14 2013

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