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Upturn AI SWOT - About
RVSB 
Riverview Bancorp Inc (RVSB)
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Upturn Advisory Summary
11/05/2025: RVSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7
1 Year Target Price $7
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 44% | Avg. Invested days 60 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 114.89M USD | Price to earnings Ratio 24.95 | 1Y Target Price 7 |
Price to earnings Ratio 24.95 | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta 0.6 | 52 Weeks Range 4.72 - 6.54 | Updated Date 11/8/2025 |
52 Weeks Range 4.72 - 6.54 | Updated Date 11/8/2025 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 0.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-30 | When After Market | Estimate 0.06 | Actual 0.05 |
Profitability
Profit Margin 9% | Operating Margin (TTM) 11.67% |
Management Effectiveness
Return on Assets (TTM) 0.31% | Return on Equity (TTM) 2.9% |
Valuation
Trailing PE 24.95 | Forward PE - | Enterprise Value 163578992 | Price to Sales(TTM) 2.2 |
Enterprise Value 163578992 | Price to Sales(TTM) 2.2 | ||
Enterprise Value to Revenue 4.64 | Enterprise Value to EBITDA - | Shares Outstanding 20927503 | Shares Floating 17870204 |
Shares Outstanding 20927503 | Shares Floating 17870204 | ||
Percent Insiders 3.18 | Percent Institutions 77.21 |
Upturn AI SWOT
Riverview Bancorp Inc
Company Overview
History and Background
Riverview Bancorp, Inc. was founded in 1923 as a mutual savings bank in Washougal, Washington. Originally known as Washougal Savings and Loan, it converted to a stock savings bank in 1988 and became Riverview Bancorp, Inc. The company focuses on providing community banking services in the Pacific Northwest.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, and other banking services tailored to businesses.
- Retail Banking: Provides deposit accounts, mortgage lending, and other consumer banking services.
- Wealth Management: Offers financial planning and investment management services through its subsidiaries.
Leadership and Structure
The company is led by Kevin J. Lycklama, President and CEO. It has a board of directors and operates through various departments, including lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans extended to businesses for various purposes, including real estate, equipment, and working capital. Market share data not publicly available. Competitors include larger national and regional banks, as well as credit unions.
- Mortgage Lending: Origination of residential mortgage loans. Market share data not publicly available. Competitors include other banks, mortgage companies, and credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share data not publicly available. Competitors include all financial institutions that offer deposit accounts.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, increased regulatory scrutiny, and competition from fintech companies. Community banks are adapting to these changes by focusing on personalized service and local market knowledge.
Positioning
Riverview Bancorp Inc is positioned as a community bank focusing on serving small businesses and individuals in the Pacific Northwest. Its competitive advantage lies in its local presence, personalized service, and established relationships with its customers.
Total Addressable Market (TAM)
The TAM for community banking in the Pacific Northwest is estimated to be in the billions of dollars. Riverview Bancorp Inc is positioned to capture a portion of this TAM by leveraging its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Experienced management team
- Community-focused approach
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Smaller asset base
- Vulnerability to regulatory changes
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased demand for community banking services
- Adoption of new technologies to improve efficiency
- Strategic acquisitions of other community banks
Threats
- Competition from larger banks and credit unions
- Economic downturn in the Pacific Northwest
- Rising interest rates
- Increased regulatory burden
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Columbia Banking System Inc (COLB)
- Umpqua Holdings Corporation (UMPQ)
- Banner Corporation (BANR)
Competitive Landscape
Riverview Bancorp Inc competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local focus and personalized service. However, it faces challenges related to its smaller asset base and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth requires pulling data from the companies filings
Future Projections: Future Projections requires pulling data from the companies filings
Recent Initiatives: Recent Initiatives requires pulling data from the companies filings
Summary
Riverview Bancorp Inc is a community bank operating in the Pacific Northwest. It benefits from strong local market knowledge and established customer relationships. However, its smaller asset base and limited geographic reach pose challenges. The company needs to focus on strategic growth initiatives and adapt to the changing banking landscape to remain competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial information is not live, it is delayed.
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.
About Riverview Bancorp Inc
Exchange NASDAQ | Headquaters Vancouver, WA, United States | ||
IPO Launch date 1993-08-13 | President & CEO Ms. Nicole B. Sherman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 238 | Website https://www.riverviewbank.com |
Full time employees 238 | Website https://www.riverviewbank.com | ||
Riverview Bancorp, Inc. operates as a bank holding company for Riverview Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. The company offers various deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. It provides commercial business, commercial and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, it provides mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield and Vancouver, and Washington, as well as Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
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