Riverview Bancorp Financials

RVSB Stock  USD 5.58  0.03  0.53%   
Based on the analysis of Riverview Bancorp's profitability, liquidity, and operating efficiency, Riverview Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Riverview Bancorp's Net Debt is projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings is expected to grow to about 122.3 M, whereas Total Assets are forecasted to decline to about 961.5 M. Key indicators impacting Riverview Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.630.7411
Fairly Down
Slightly volatile
Current Ratio0.410.44
Significantly Down
Slightly volatile
The essential information of the day-to-day investment outlook for Riverview Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Riverview Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Riverview Bancorp.

Net Income

6.94 Million

  
Understanding current and past Riverview Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Riverview Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Riverview Bancorp's assets may result in an increase in income on the income statement.
Please note, the presentation of Riverview Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Riverview Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Riverview Bancorp's management manipulating its earnings.

Riverview Bancorp Stock Summary

Riverview Bancorp competes with Community West, First Northwest, Investar Holding, Finward Bancorp, and First Financial. Riverview Bancorp, Inc., a bank holding company for Riverview Community Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington. Riverview Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 224 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7693971001
CUSIP769397100
LocationWashington; U.S.A
Business Address900 Washington Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.riverviewbank.com
Phone360 693 6650
CurrencyUSD - US Dollar

Riverview Bancorp Key Financial Ratios

Riverview Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.2B1.5B1.7B1.6B1.5B961.5M
Net Debt(13.2M)(236.6M)(212.6M)130.6M93.8M98.5M
Retained Earnings81.9M87.9M104.9M117.8M116.5M122.3M
Cash42.2M265.7M241.7M22.3M23.6M22.5M
Other Assets793.2M759.1M2.2B846.9M7.7M7.4M
Net Receivables3.7M5.2M4.7M4.8M4.4M3.1M
Other Current Assets18.1M16.7M863.0M16.7M15.9M15.1M
Total Liab29.0M29.1M1.6B152.9M1.4B1.4B
Total Current Assets194.2M487.2M1.3B238.6M15.9M15.1M
Other Liab2.0M521K555K1.4M1.2M1.2M
Accounts Payable11.8M21.9M1.5B15.7M14.2M13.4M
Intangible Assets950K700K529K379K271K257.5K
Other Current Liab440.8M675.7M794.6M626.7M558.2M574.2M
Long Term Debt26.7M26.7M26.8M150.7M115.3M121.1M
Short Term Debt1.2M1.7M1.6M1.6M1.6M1.5M
Net Tangible Assets121.0M123.9M129.7M127.8M147.0M102.4M
Long Term Debt Total26.7M26.7M26.8M26.9M31.0M29.0M
Capital Surpluse64.6M63.7M62.0M55.5M50.0M51.1M

Riverview Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense4.8M3.4M2.2M4.1M18.5M19.4M
Total Revenue58.1M56.0M60.4M63.8M48.3M42.9M
Gross Profit58.1M56.0M60.4M63.8M48.3M42.9M
Operating Income20.6M13.5M33.9M27.7M4.6M4.4M
Ebit20.6M13.5M28.3M23.7M4.6M4.4M
Ebitda20.7M16.7M31.8M26.4M7.4M7.0M
Income Before Tax20.6M13.5M28.3M23.7M4.6M4.4M
Net Income15.7M10.5M21.8M18.1M3.8M6.9M
Income Tax Expense4.8M3.0M6.5M5.6M802K761.9K
Tax Provision4.8M3.0M6.5M5.6M802K761.9K
Net Interest Income45.7M44.9M47.6M51.6M38.1M46.4M
Interest Income50.5M48.3M49.8M55.7M56.6M51.5M

Riverview Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash19.0M223.4M(24.0M)(219.4M)1.6M1.7M
Free Cash Flow13.0M20.6M13.2M8.6M7.1M10.6M
Depreciation3.0M3.2M3.5M2.7M2.8M2.5M
Other Non Cash Items1.0M8.5M(9.1M)(136K)2.2M2.7M
Dividends Paid4.1M4.5M4.7M5.1M5.1M2.8M
Capital Expenditures3.0M3.6M3.3M5.0M5.6M5.9M
Net Income15.7M10.5M21.8M18.1M3.8M6.9M
End Period Cash Flow42.0M265.4M241.4M22.0M23.6M22.5M
Investments(7.5M)(186.7M)(174.4M)(34.7M)63.6M66.7M
Change Receivables215K(1.5M)586K(140K)(126K)(132.3K)
Net Borrowings(56.6M)(40K)(46K)123.8M142.3M149.4M
Change To Netincome605K4.7M(5.1M)175K201.3K211.3K

Riverview Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Riverview Bancorp's current stock value. Our valuation model uses many indicators to compare Riverview Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Riverview Bancorp competition to find correlations between indicators driving Riverview Bancorp's intrinsic value. More Info.
Riverview Bancorp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Riverview Bancorp is roughly  10.67 . At present, Riverview Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Riverview Bancorp's earnings, one of the primary drivers of an investment's value.

Riverview Bancorp Systematic Risk

Riverview Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Riverview Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Riverview Bancorp correlated with the market. If Beta is less than 0 Riverview Bancorp generally moves in the opposite direction as compared to the market. If Riverview Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Riverview Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Riverview Bancorp is generally in the same direction as the market. If Beta > 1 Riverview Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Riverview Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Riverview Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Riverview Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.32)

At present, Riverview Bancorp's Price Earnings To Growth Ratio is projected to slightly decrease based on the last few years of reporting.

Riverview Bancorp November 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Riverview Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Riverview Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Riverview Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Riverview Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Riverview Bancorp's daily price indicators and compare them against related drivers.

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When running Riverview Bancorp's price analysis, check to measure Riverview Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Riverview Bancorp is operating at the current time. Most of Riverview Bancorp's value examination focuses on studying past and present price action to predict the probability of Riverview Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Riverview Bancorp's price. Additionally, you may evaluate how the addition of Riverview Bancorp to your portfolios can decrease your overall portfolio volatility.
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