Riverview Bancorp, Inc. (RVSB) AI Stock Analysis

Established in 1923 and headquartered in Vancouver, Washington, Riverview Bancorp, Inc. is the holding company for Riverview Community Bank. The institution provides commercial banking services primarily to small and medium-sized businesses, professionals, and individual wealth builders. Its financial products include demand deposits, money market accounts, savings accounts, certificates of deposit, and retirement plans. The bank's lending portfolio encompasses commercial business loans, commercial and residential real estate financing, multi-family real estate loans, land development, construction, and consumer loans. Additionally, Riverview Bancorp offers mortgage brokerage, loan servicing, trust services, estate planning, and asset management.

Between FY2021 and FY2026, Riverview Bancorp achieved a five-year revenue CAGR of 1.7%. Annual revenue declined 11.6% in FY2026 to $64.7M from $73.2M in FY2025, with net income falling to -$4.3M and an operating margin of -9.0%. For the trailing twelve months ended June 30, 2026, revenue stood at $43.6M with a profit margin of -8.9% and an operating margin of 15.6%. In the latest quarter ended June 30, 2026, quarterly revenue growth improved by 13.2% year-over-year, while quarterly earnings grew 37.0% compared to the prior-year period.

As of June 30, 2026, Riverview Bancorp held $102.9M in cash and short-term investments against total debt of $45.3M, yielding a net cash position of $57.6M. Shareholders' equity was $145.3M against total assets of $1.47B, with a debt-to-equity ratio of 0.31 and a current ratio of 0.96. During FY2026, the company generated $12.0M in operating cash flow and $11.3M in free cash flow. Cash deployed included $789,000 for capital expenditures, $2.7M in share buybacks, and $1.7M distributed in dividends.

Riverview Bancorp trades at a forward P/E of 37.0x, which is above the 10.8x forward P/E median of its US-listed Financial Services peers. Its price-to-sales multiple is 2.7x, compared to the peer median of 3.2x, and its price-to-book ratio is 0.8x. Enterprise value stands at $66.1M against a market capitalization of $119.5M. Over the past year, the stock returned 21.1%, outpacing the S&P 500 (SPY) return of 16.8%, though its five-year return of -8.0% trails the index return of 83.0%.

Riverview Bancorp pays a forward annual dividend of $0.08 per share, which corresponds to a dividend yield of 1.34% and a payout ratio of 34.8%. The quarterly dividend has been paid consecutively for 12 years, though the annualized five-year dividend growth rate is -16.7%. The last ex-dividend date was October 9, 2026.

Wall Street coverage includes 1 Buy rating and zero Hold or Sell ratings. The mean price target is $7.00, representing an upside of 16.9% above the last close of $5.99. For the fiscal year ending March 31, 2027, the EPS estimate is $0.28 on revenue of $60.5M. For the following fiscal year, the single analyst covering the stock estimates EPS of $0.37 on revenue of $64.3M. The company beat EPS estimates in 2 of the last 4 quarters, with next earnings scheduled for October 27, 2026.

This page is an AI-written research summary of Riverview Bancorp, Inc. (RVSB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: RVSB income statement, RVSB balance sheet, RVSB key metrics, RVSB analyst forecast, RVSB chart. See the RVSB stock overview for the latest quote and news.