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Upturn AI SWOT - About
RVSB 
Riverview Bancorp Inc (RVSB)
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Upturn Advisory Summary
09/17/2025: RVSB (1-star) is currently NOT-A-BUY. Pass it for now.
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 34.49% | Avg. Invested days 68 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 106.84M USD | Price to earnings Ratio 21.25 | 1Y Target Price 7 |
Price to earnings Ratio 21.25 | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta 0.59 | 52 Weeks Range 4.40 - 6.57 | Updated Date 09/17/2025 |
52 Weeks Range 4.40 - 6.57 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 1.62% | Basic EPS (TTM) 0.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 10.06% | Operating Margin (TTM) 13.08% |
Management Effectiveness
Return on Assets (TTM) 0.34% | Return on Equity (TTM) 3.25% |
Valuation
Trailing PE 21.25 | Forward PE - | Enterprise Value 205867472 | Price to Sales(TTM) 2.08 |
Enterprise Value 205867472 | Price to Sales(TTM) 2.08 | ||
Enterprise Value to Revenue 4.55 | Enterprise Value to EBITDA - | Shares Outstanding 20948400 | Shares Floating 17892429 |
Shares Outstanding 20948400 | Shares Floating 17892429 | ||
Percent Insiders 3.17 | Percent Institutions 76.66 |
Upturn AI SWOT
Riverview Bancorp Inc
Company Overview
History and Background
Riverview Bancorp, Inc. was founded in 1923 as a savings and loan association in Vancouver, Washington. It has grown into a community bank with branches primarily in Washington and Oregon, focusing on serving individuals and small businesses.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including term loans, lines of credit, and commercial real estate loans, catering to small and medium-sized businesses.
- Retail Banking: Provides deposit accounts, consumer loans, mortgage lending, and other retail banking services to individuals and households.
- Wealth Management: Offers investment advisory and wealth management services through strategic partnerships.
Leadership and Structure
Kevin J. Lycklama serves as the President and CEO. The company operates with a board of directors overseeing strategic direction. The organizational structure includes departments for lending, retail banking, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is not readily available, but it competes with larger regional and national banks. Competitors include US Bank and KeyBank.
- Residential Mortgages: Offers mortgage products to individual homebuyers. Market share is relatively small compared to larger national mortgage lenders. Competitors include Wells Fargo and Bank of America.
- Small Business Loans: Provides SBA loans and other financing options for small businesses. Riverview is competitive in this niche within its geographic area. Competitors include local credit unions and online lenders like Funding Circle.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased regulation, rising interest rates, competition from fintech companies, and evolving consumer preferences for digital banking services.
Positioning
Riverview Bancorp is positioned as a community bank focusing on relationship banking and serving the needs of local businesses and individuals. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM includes the total banking services market in Washington and Oregon. Riverview's positioning allows it to capture a segment of this market through community-focused strategies. Expected total market value is $100B+ for banking services, with Riverview targeting a small but significant segment.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Relationship-based banking model
- Experienced management team
- Healthy asset quality
- Focus on community involvement
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on traditional banking channels
- Lower brand recognition outside its core market
- Limited resources for technological innovation
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased adoption of digital banking technologies
- Growing demand for small business lending
- Acquisition of smaller community banks
- Partnerships with fintech companies
Threats
- Increased competition from larger banks and credit unions
- Rising interest rates and economic slowdown
- Regulatory changes and compliance costs
- Cybersecurity risks
- Disruption from fintech companies
Competitors and Market Share
Key Competitors
- USB
- KEY
- WAFD
- BANR
Competitive Landscape
Riverview faces competition from larger national and regional banks. Its advantage lies in its local presence and customer service, while its disadvantage is its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analysis of past financial performance.
Future Projections: Future projections are based on analyst estimates; this information is not available in this response but can be found on financial websites.
Recent Initiatives: Recent strategic initiatives might include expanding into new markets, investing in technology, or launching new products.
Summary
Riverview Bancorp is a community-focused bank with a strong presence in the Pacific Northwest. Its relationship-based banking model is a key strength, but its limited scale and geographic reach pose challenges. The bank should focus on leveraging technology and expanding its digital offerings to stay competitive. Overall the bank is stable with a limited growth opportunity.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Yahoo Finance
- Bloomberg
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Real time financial data is not available in this context.
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 & Director 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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