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RVSB logo RVSB
Upturn stock ratingUpturn stock rating
RVSB logo

Riverview Bancorp Inc (RVSB)

Upturn stock ratingUpturn stock rating
$5.7
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

07/08/2025: RVSB (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$7 Target price
52w Low $3.64
Current$5.7
52w High $6.59

Analysis of Past Performance

Type Stock
Historic Profit 34.33%
Avg. Invested days 68
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 3.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/08/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 119.56M USD
Price to earnings Ratio 24.78
1Y Target Price 7
Price to earnings Ratio 24.78
1Y Target Price 7
Volume (30-day avg) 1
Beta 0.47
52 Weeks Range 3.64 - 6.59
Updated Date 07/8/2025
52 Weeks Range 3.64 - 6.59
Updated Date 07/8/2025
Dividends yield (FY) 1.45%
Basic EPS (TTM) 0.23

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 9.76%
Operating Margin (TTM) 11.05%

Management Effectiveness

Return on Assets (TTM) 0.32%
Return on Equity (TTM) 3.11%

Valuation

Trailing PE 24.78
Forward PE -
Enterprise Value 196010096
Price to Sales(TTM) 2.38
Enterprise Value 196010096
Price to Sales(TTM) 2.38
Enterprise Value to Revenue 4.45
Enterprise Value to EBITDA -
Shares Outstanding 20976200
Shares Floating 14599645
Shares Outstanding 20976200
Shares Floating 14599645
Percent Insiders 3.72
Percent Institutions 70.94

ai summary icon Upturn AI SWOT

Riverview Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Riverview Bancorp, Inc. was founded in 1923 as a savings and loan association in Vancouver, Washington. It converted to a bank charter and has grown organically and through acquisitions, focusing on community banking in the Pacific Northwest.

business area logo Core Business Areas

  • Commercial Banking: Offers a variety of loan products, deposit accounts, and other financial services to businesses, including commercial real estate lending, business lines of credit, and treasury management services.
  • Retail Banking: Provides checking and savings accounts, mortgage lending, consumer loans, and other financial services to individuals and families.
  • Wealth Management: Offers wealth management and investment advisory services to individuals and families.

leadership logo Leadership and Structure

Kevin J. Lycklama serves as the President and CEO. The company has a traditional hierarchical structure with executive management overseeing various departments and regional banking operations.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available at the product level. Competitors include larger regional and national banks such as U.S. Bank (USB) and KeyCorp (KEY).
  • Residential Mortgages: Loans for the purchase of homes. Market share data is not publicly available at the product level. Competitors include national mortgage lenders such as Rocket Mortgage and local credit unions.
  • Checking and Savings Accounts: Basic banking accounts for individuals and businesses. Market share data is not publicly available at the product level. Competitors include Bank of America (BAC) and Wells Fargo (WFC).

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by increasing interest rates, regulatory scrutiny, and technological advancements. Community banks face challenges from larger institutions and fintech companies.

Positioning

Riverview Bancorp is a community bank focused on serving the Pacific Northwest region. Its competitive advantage lies in its local market knowledge and personalized customer service.

Total Addressable Market (TAM)

The total addressable market for banking services in the Pacific Northwest is estimated to be in the hundreds of billions of dollars. Riverview Bancorp is positioned to capture a small but significant portion of this market through its community-focused approach.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Personalized customer service
  • Solid asset quality
  • Experienced management team

Weaknesses

  • Limited geographic reach compared to larger banks
  • Lower brand recognition compared to national banks
  • Dependence on local economy
  • Less diversified revenue streams compared to larger banks.

Opportunities

  • Expansion into new markets within the Pacific Northwest
  • Increased adoption of digital banking technologies
  • Growing demand for personalized financial services
  • Acquisition of smaller community banks

Threats

  • Increasing competition from larger banks and fintech companies
  • Rising interest rates
  • Economic downturn in the Pacific Northwest
  • Regulatory changes

Competitors and Market Share

competitor logo Key Competitors

  • USB
  • KEY
  • WAFD
  • BOKF

Competitive Landscape

Riverview Bancorp faces competition from larger national and regional banks, as well as smaller community banks and credit unions. It differentiates itself through local market expertise and personalized customer service. Its smaller size can be a disadvantage compared to larger competitors with more resources.

Growth Trajectory and Initiatives

Historical Growth: Discuss Riverview Bancorp Inc's growth trends over the past years.

Future Projections: Provide projections for Riverview Bancorp Inc's future growth based on analyst estimates.

Recent Initiatives: Highlight recent strategic initiatives undertaken by Riverview Bancorp Inc.

Summary

Riverview Bancorp is a community bank with strengths in local market knowledge and customer service. Its smaller size and limited geographic reach compared to larger banks are significant weaknesses. Opportunities exist for expansion and adoption of digital banking. Threats include larger bank competition and economic fluctuations, the absence of recent acquisitions makes the company stand out as an organic growth model.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Industry reports
  • Financial news sources

Disclaimers:

This analysis is for informational purposes only and should not be considered financial advice. Market share data is based on available information and may not be precise. Financial data may be delayed.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 238

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.