Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Riverview Bancorp Inc(RVSB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RVSB
09/23/2026: RVSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Riverview Bancorp Inc is a long-standing regional banking institution primarily serving the Pacific Northwest through its community-focused branch network. The company's core strength lies in its established local relationships, which support a stable deposit base and consistent lending activities. While the bank offers a reliable dividend, it faces significant risks from geographic concentration, intense competition from larger regional banks, and sensitivity to interest rate fluctuations. Investors looking for a stable income play in the financial sector may find it suitable, though one must monitor local economic indicators and the bank's digital transformation progress. It is a niche, relationship-driven stock rather than a high-growth investment.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company focuses more on steady, incremental growth rather than aggressive expansion. |
| Momentum investor | Weak fit | This stock generally lacks the high-growth momentum typically sought by momentum traders. |
| Value investor | Mixed fit | The valuation may appeal to value investors looking for regional bank exposure if priced at a discount to tangible book value. |
| Dividend investor | Strong fit | The company has a history of returning capital to shareholders through consistent dividend payments. |
| Low-risk investor | Medium fit | While more stable than high-growth stocks, regional bank stocks carry inherent interest rate and credit cycle risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to fluctuations common in the regional banking sector. |
| Valuation risk | Medium | Market pricing is sensitive to interest rate expectations and economic outlooks. |
| Competition risk (Regional Banking Competition) | High | Larger regional peers often have lower cost-of-funds and broader technological capabilities. |
| Business quality | Medium | The company relies on its established local franchise value. |
| Dividend income | Medium | Dividends are dependent on the bank's ability to maintain sufficient earnings. |
| Execution risk | Medium | Success depends on effective management of loan portfolios and local economic engagement. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -10.49% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 117.92M USD | Price to earnings Ratio - | 1Y Target Price 7 |
Price to earnings Ratio - | 1Y Target Price 7 | ||
Volume (30-day avg) 62.5K shares | Beta 0.47 | 52 Weeks Range 4.83 - 6.20 | Updated Date 09/23/2026 |
52 Weeks Range 4.83 - 6.20 | Updated Date 09/23/2026 | ||
Dividends yield (FY) 1.34% | Basic EPS (TTM) -0.19 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans minus interest paid on customer deposits. | The bank makes most of its money by lending out money at higher rates than it pays to deposit holders. |
| Non-Interest Income | Fees from banking services, wealth management, and account charges. | Additional revenue is generated through various customer service fees and financial product commissions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 37.04 | Enterprise Value 64.55M | Price to Sales(TTM) 2.71 |
Enterprise Value 64.55M | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA - | Shares Outstanding 19.95M | Shares Floating 17.10M |
Shares Outstanding 19.95M | Shares Floating 17.10M | ||
Percent Insiders 3.64 | Percent Institutions 68.88 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Riverview Bancorp Inc
Exchange NASDAQ | Headquarters Vancouver, WA, United States | ||
IPO Launch date 1993-08-13 | President, CEO & Director Ms. Nicole B. Sherman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 243 | Website https://www.riverviewbank.com |
Full time employees 243 | Website https://www.riverviewbank.com | ||
Riverview Bancorp, Inc. operates as a bank holding company for Riverview Bank that provides commercial banking services. The company offers deposit instruments, such as demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans for business and consumer depositors. It also provides loan products, including commercial business, commercial real estate, land, multi-family, real estate construction, and real estate one-to-four family, as well as consumer loans comprising automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, the company offers brokerage, trust, estate planning, and investment management services. It operates in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield and Vancouver; Washington, Portland, Gresham, and Tualatin; and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.