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 1.57
RVSB's Cash-to-Debt is ranked lower than
54% of the 1495 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.97 vs. RVSB: 1.57 )
Ranked among companies with meaningful Cash-to-Debt only.
RVSB' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16  Med: 1.11 Max: N/A
Current: 1.57
Equity-to-Asset 0.11
RVSB's Equity-to-Asset is ranked higher than
61% of the 1496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.10 vs. RVSB: 0.11 )
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: 0.11
0.09
0.23
Interest Coverage 5.78
RVSB's Interest Coverage is ranked higher than
83% of the 1758 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.61 vs. RVSB: 5.78 )
Ranked among companies with meaningful Interest Coverage only.
RVSB' s Interest Coverage Range Over the Past 10 Years
Min: 0.51  Med: 0.8 Max: 5.78
Current: 5.78
0.51
5.78
Beneish M-Score: -2.34
WACC vs ROIC
4.85%
10.05%
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 : 3/10

vs
industry
vs
history
Operating Margin % 24.56
RVSB's Operating Margin % is ranked lower than
65% of the 1511 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 30.68 vs. RVSB: 24.56 )
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: 24.56
-57.49
39.02
Net Margin % 16.34
RVSB's Net Margin % is ranked lower than
69% of the 1510 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 21.91 vs. RVSB: 16.34 )
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: 16.34
-78.18
59.57
ROE % 6.22
RVSB's ROE % is ranked lower than
66% of the 1509 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 8.30 vs. RVSB: 6.22 )
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: 6.22
-34.68
22.02
ROA % 0.72
RVSB's ROA % is ranked lower than
60% of the 1518 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
3-Year EBITDA Growth Rate 42.00
RVSB's 3-Year EBITDA Growth Rate is ranked higher than
93% of the 1228 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.20 vs. RVSB: 42.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
RVSB' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -30.9  Med: 11.15 Max: 75.3
Current: 42
-30.9
75.3
3-Year EPS without NRI Growth Rate 32.60
RVSB's 3-Year EPS without NRI Growth Rate is ranked higher than
88% of the 1184 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 7.30 vs. RVSB: 32.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
RVSB' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -32.8  Med: 12.5 Max: 78.4
Current: 32.6
-32.8
78.4
GuruFocus has detected 4 Warning Signs with Riverview Bancorp Inc $RVSB.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» RVSB's 10-Y Financials

Financials (Next Earnings Date: 2017-04-28 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q2 2015

RVSB Guru Trades in Q2 2015

Jim Simons Sold Out
» More
Q2 2016

RVSB Guru Trades in Q2 2016

Jim Simons 10,600 sh (New)
» More
Q3 2016

RVSB Guru Trades in Q3 2016

Jim Simons 74,200 sh (+600.00%)
» More
Q4 2016

RVSB Guru Trades in Q4 2016

Jim Simons 96,300 sh (+29.78%)
» 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 )

Business Description

Industry: Banks » Savings & Cooperative Banks    NAICS: 522120    SIC: 6035
Compare:NAS:BFIN, NAS:BKMU, NYSE:BHLB » 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
PE Ratio 24.20
RVSB's PE Ratio is ranked lower than
86% of the 1941 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 13.56 vs. RVSB: 24.20 )
Ranked among companies with meaningful PE Ratio only.
RVSB' s PE Ratio Range Over the Past 10 Years
Min: 3.84  Med: 15 Max: 34.83
Current: 24.2
3.84
34.83
PE Ratio without NRI 24.20
RVSB's PE Ratio without NRI is ranked lower than
84% of the 1635 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.25 vs. RVSB: 24.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
RVSB' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.84  Med: 14.97 Max: 34.83
Current: 24.2
3.84
34.83
Price-to-Owner-Earnings 13.01
RVSB's Price-to-Owner-Earnings is ranked higher than
56% of the 905 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 14.04 vs. RVSB: 13.01 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
RVSB' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.36  Med: 12.54 Max: 65.66
Current: 13.01
3.36
65.66
PB Ratio 1.49
RVSB's PB Ratio is ranked lower than
68% of the 1810 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.17 vs. RVSB: 1.49 )
Ranked among companies with meaningful PB Ratio only.
RVSB' s PB Ratio Range Over the Past 10 Years
Min: 0.23  Med: 0.8 Max: 2.07
Current: 1.49
0.23
2.07
PS Ratio 3.94
RVSB's PS Ratio is ranked lower than
63% of the 1833 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.32 vs. RVSB: 3.94 )
Ranked among companies with meaningful PS Ratio only.
RVSB' s PS Ratio Range Over the Past 10 Years
Min: 0.46  Med: 1.91 Max: 16.08
Current: 3.94
0.46
16.08
Price-to-Free-Cash-Flow 11.00
RVSB's Price-to-Free-Cash-Flow is ranked higher than
53% of the 1008 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.76 vs. RVSB: 11.00 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
RVSB' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.21  Med: 9 Max: 40.57
Current: 11
1.21
40.57
Price-to-Operating-Cash-Flow 10.79
RVSB's Price-to-Operating-Cash-Flow is ranked lower than
51% of the 1096 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.62 vs. RVSB: 10.79 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
RVSB' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.14  Med: 8.3 Max: 35.64
Current: 10.79
1.14
35.64
EV-to-EBIT 14.63
RVSB's EV-to-EBIT is ranked lower than
64% of the 1558 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.64 vs. RVSB: 14.63 )
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: 14.63
-731.8
68.7
EV-to-EBITDA 10.87
RVSB's EV-to-EBITDA is ranked lower than
55% of the 1576 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 10.00 vs. RVSB: 10.87 )
Ranked among companies with meaningful EV-to-EBITDA only.
RVSB' s EV-to-EBITDA Range Over the Past 10 Years
Min: -628.4  Med: 4.1 Max: 168.3
Current: 10.87
-628.4
168.3
Shiller PE Ratio 78.66
RVSB's Shiller PE Ratio is ranked lower than
96% of the 496 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 20.63 vs. RVSB: 78.66 )
Ranked among companies with meaningful Shiller PE Ratio only.
RVSB' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.02  Med: 9.46 Max: 87.33
Current: 78.66
3.02
87.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 1.10
RVSB's Dividend Yield % is ranked lower than
87% of the 2303 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.69 vs. RVSB: 1.10 )
Ranked among companies with meaningful Dividend Yield % only.
RVSB' s Dividend Yield % Range Over the Past 10 Years
Min: 0.24  Med: 2.54 Max: 11.84
Current: 1.1
0.24
11.84
Dividend Payout Ratio 0.27
RVSB's Dividend Payout Ratio is ranked higher than
63% of the 1315 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.33 vs. RVSB: 0.27 )
Ranked among companies with meaningful Dividend Payout Ratio only.
RVSB' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.27  Med: 0.39 Max: 0.53
Current: 0.27
0.27
0.53
Forward Dividend Yield % 1.10
RVSB's Forward Dividend Yield % is ranked lower than
89% of the 2274 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 2.95 vs. RVSB: 1.10 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.11
RVSB's 5-Year Yield-on-Cost % is ranked lower than
88% of the 2649 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 3.27 vs. RVSB: 1.11 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
RVSB' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.24  Med: 2.54 Max: 11.84
Current: 1.11
0.24
11.84
3-Year Average Share Buyback Ratio -0.10
RVSB's 3-Year Average Share Buyback Ratio is ranked higher than
73% of the 1010 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: -1.60 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: -0.5 Max: 8.7
Current: -0.1
-27.2
8.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.96
RVSB's Price-to-Tangible-Book is ranked lower than
78% of the 1798 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.25 vs. RVSB: 1.96 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
RVSB' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.39  Med: 1.21 Max: 2.52
Current: 1.96
0.39
2.52
Price-to-Intrinsic-Value-Projected-FCF 0.93
RVSB's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 1104 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.80 vs. RVSB: 0.93 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
RVSB' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.58 Max: 1.52
Current: 0.93
0.14
1.52
Price-to-Median-PS-Value 2.06
RVSB's Price-to-Median-PS-Value is ranked lower than
93% of the 1693 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 1.15 vs. RVSB: 2.06 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
RVSB' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.29  Med: 1.49 Max: 8.31
Current: 2.06
0.29
8.31
Price-to-Graham-Number 1.45
RVSB's Price-to-Graham-Number is ranked lower than
85% of the 1556 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 0.93 vs. RVSB: 1.45 )
Ranked among companies with meaningful Price-to-Graham-Number only.
RVSB' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.43  Med: 0.96 Max: 1.45
Current: 1.45
0.43
1.45
Earnings Yield (Greenblatt) % 6.84
RVSB's Earnings Yield (Greenblatt) % is ranked higher than
52% of the 2086 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 6.41 vs. RVSB: 6.84 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
RVSB' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.5  Med: 11.3 Max: 358.7
Current: 6.84
1.5
358.7
Forward Rate of Return (Yacktman) % 2.89
RVSB's Forward Rate of Return (Yacktman) % is ranked lower than
75% of the 891 Companies
in the Global Savings & Cooperative Banks industry.

( Industry Median: 11.45 vs. RVSB: 2.89 )
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: -5.3  Med: 20.1 Max: 80.7
Current: 2.89
-5.3
80.7

More Statistics

Revenue (TTM) (Mil) $41.47
EPS (TTM) $ 0.30
Beta0.33
Short Percentage of Float0.13%
52-Week Range $4.20 - 8.16
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, Inc. : RVSB-US: Dividend Analysis : January 10th, 2017 (record date) : By the... Mar 03 2017
RIVERVIEW BANCORP INC Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Feb 22 2017
Riverview Community Bank Completes Transaction With MBank Feb 17 2017
RIVERVIEW BANCORP INC Financials Feb 14 2017
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Feb 08 2017
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 31 2017
Riverview Bancorp, Inc. :RVSB-US: Earnings Analysis: Q3, 2017 By the Numbers : January 31, 2017 Jan 31 2017
Riverview Bancorp posts 3Q profit Jan 27 2017
Riverview Bancorp posts 3Q profit Jan 27 2017
Riverview Bancorp Earns $2.0 Million in Third Fiscal Quarter; Highlighted by Strong Revenue Growth... Jan 26 2017
Can the Rally in Riverview Bancorp (RVSB) Shares Continue? Dec 29 2016
Riverview Bancorp Declares Quarterly Cash Dividend Dec 22 2016
ETFs with exposure to Riverview Bancorp, Inc. : December 13, 2016 Dec 13 2016
RIVERVIEW BANCORP INC Files SEC form 10-Q, Quarterly Report Nov 08 2016
ETF’s with exposure to Riverview Bancorp, Inc. : November 2, 2016 Nov 02 2016
RIVERVIEW BANCORP INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 31 2016
Riverview Bancorp, Inc. :RVSB-US: Earnings Analysis: Q2, 2017 By the Numbers : October 31, 2016 Oct 31 2016
Riverview Bancorp Earns $1.7 Million in Second Quarter; Highlighted by Announced Deal with MBank Oct 27 2016
Riverview Bancorp, Inc. : RVSB-US: Dividend Analysis : October 14th, 2016 (record date) : By the... Oct 25 2016
Riverview Bancorp Declares Quarterly Cash Dividend Oct 04 2016

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)