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Upturn AI SWOT - About
RVSB 
Riverview Bancorp Inc (RVSB)
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Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 107.05M USD | Price to earnings Ratio 21.08 | 1Y Target Price 7 |
Price to earnings Ratio 21.08 | 1Y Target Price 7 | ||
Volume (30-day avg) 1 | Beta 0.5 | 52 Weeks Range 4.25 - 6.57 | Updated Date 08/29/2025 |
52 Weeks Range 4.25 - 6.57 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.57% | 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 21.08 | Forward PE - | Enterprise Value 208171792 | Price to Sales(TTM) 2.09 |
Enterprise Value 208171792 | Price to Sales(TTM) 2.09 | ||
Enterprise Value to Revenue 4.62 | Enterprise Value to EBITDA - | Shares Outstanding 20948400 | Shares Floating 17872737 |
Shares Outstanding 20948400 | Shares Floating 17872737 | ||
Percent Insiders 3.17 | Percent Institutions 76.53 |
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 mutual savings bank in 1986 and a stock savings bank in 1993. Over time, it has grown through organic expansion and acquisitions, focusing on serving the Pacific Northwest region.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including commercial real estate loans, business term loans, and lines of credit, catering to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, residential mortgage loans, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to high-net-worth individuals and families.
Leadership and Structure
Kevin J. Lycklama is the President & CEO. The company operates with a board of directors overseeing executive management, comprising various departments like lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Offers financing for the purchase, refinance, or construction of commercial properties. Market share data is not publicly available but competes with larger regional banks and credit unions such as Umpqua Bank and Columbia Bank. Revenue figures are not broken down by product.
- Residential Mortgage Loans: Provides mortgage loans for homebuyers and homeowners. Competes with national lenders like Wells Fargo and Chase. Market share data is not publicly available; Revenue figures are not broken down by product.
- Deposit Accounts: Offers checking, savings, and money market accounts to consumers and businesses. Competes with larger regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing interest rates and regulatory scrutiny. Competition is fierce, and banks are challenged to innovate to attract and retain customers. Consolidation is also a trend.
Positioning
Riverview Bancorp Inc. is a community bank focused on serving the Pacific Northwest. Its competitive advantages lie in its local market knowledge and personalized service. The company is positioned as a community-focused alternative to larger national banks.
Total Addressable Market (TAM)
The TAM for banking services in the Pacific Northwest is substantial, estimated at billions of dollars. Riverview Bancorp Inc. captures a small percentage, indicating significant growth potential within its target market.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Solid asset quality
- Experienced management team
- Established branch network in the Pacific Northwest
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking products
- Lower technology budgets compared to national banks
Opportunities
- Expansion into new markets within the Pacific Northwest
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks or credit unions
- Growth in wealth management services
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic downturn
- Changes in banking regulations
- Cybersecurity threats
- Compliance Costs
Competitors and Market Share
Key Competitors
- UMPQ
- COLB
- WAFD
Competitive Landscape
Riverview Bancorp Inc. faces competition from larger regional and national banks but differentiates itself through its community focus and personalized service. Its advantages lie in its local market knowledge, while its disadvantages include its smaller scale and limited resources.
Growth Trajectory and Initiatives
Historical Growth: Growth trends can be described as steady within its geographic focus, with less volatility than many national banks.
Future Projections: Future growth projections are based on analyst estimates, contingent on expansion and strategic initiatives which cannot be provided at this time.
Recent Initiatives: Recent strategic initiatives include investing in digital banking capabilities and expanding its presence in key markets.
Summary
Riverview Bancorp Inc. is a community bank with a strong presence in the Pacific Northwest. Its personalized service and local market knowledge are key strengths. However, its smaller scale and reliance on traditional banking products present challenges. Opportunities exist to expand into new markets and adopt digital banking solutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
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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