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Upturn AI SWOT - About
RVSB 
Riverview Bancorp Inc (RVSB)
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Upturn Advisory Summary
07/01/2025: RVSB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration 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 34.33% | 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 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 119.14M USD | Price to earnings Ratio 24.7 | 1Y Target Price 7 |
Price to earnings Ratio 24.7 | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta 0.47 | 52 Weeks Range 3.25 - 6.59 | Updated Date 07/1/2025 |
52 Weeks Range 3.25 - 6.59 | Updated Date 07/1/2025 | ||
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 24.7 | Forward PE - | Enterprise Value 196010096 | Price to Sales(TTM) 2.37 |
Enterprise Value 196010096 | Price to Sales(TTM) 2.37 | ||
Enterprise Value to Revenue 4.37 | Enterprise Value to EBITDA - | Shares Outstanding 20976200 | Shares Floating 14599645 |
Shares Outstanding 20976200 | Shares Floating 14599645 | ||
Percent Insiders 3.72 | Percent Institutions 70.94 |
Analyst Ratings
Rating 1 | Target Price 7 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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 converted to a bank charter and has grown organically and through acquisitions, focusing on community banking in the Pacific Northwest.
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 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
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
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
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.
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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