Riverview Bancorp, Inc. (RVSB) 10-Year Financial Performance & Capital Metrics

RVSB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingWest Coast Community Banks

AboutRiverview 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. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also 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 is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates through a network of 17 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.Show more

Net Interest Income $36M -4.6%
Total Revenue $73M +9.6%
Net Income $5M +29.1%
Return on Equity 3.11% +27.1%
Net Interest Margin 2.4% -4.1%
Efficiency Ratio 60.45% -7.7%
ROA 0.32% +32.3%
Equity / Assets 10.57% +3.4%
Book Value per Share 7.60 +3.2%
Tangible BV/Share 6.30 +3.9%
Debt/Equity 0.66 -12.6%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Well capitalized: 10.6% equity/assets
✓Healthy dividend yield of 2.3%
✓Trading at only 0.7x book value

✗Weaknesses

✗Profits declining 20.8% over 5 years

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y6.92%

5Y3.1%

3Y5.38%

TTM-

Profit (Net Income) CAGR

10Y0.88%

5Y-20.81%

3Y-39.2%

TTM168.57%

EPS CAGR

10Y1.41%

5Y-19.73%

3Y-38.32%

TTM159.41%

ROCE

10Y Avg8.65%

5Y Avg7.22%

3Y Avg4.43%

Latest2.19%

Peer Comparison

West Coast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
BCALSouthern California Bancorp	608.64M	18.83	85.59	45.45%	2.94%	11.23%	8.17%	0.17
CWBCCommunity West Bancshares	447.97M	23.38	51.96	51.89%	4.67%	6.95%	3.83%	0.56
GBCIGlacier Bancorp, Inc.	6.29B	48.39	28.80	11.64%	15.27%	6.57%	3.34%	1.18
GBFHGBank Financial Holdings Inc.	465.21M	32.36	23.28	2%	30.99%	11.8%	5.65%	0.22
BOHBank of Hawaii Corporation	2.86B	71.86	20.77	6.6%	14.57%	10.28%	5.9%	0.45
HFWAHeritage Financial Corporation	867.93M	25.56	20.61	4.64%	13.64%	6.33%	7.03%	0.47
HTBKHeritage Commerce Corp	786.28M	12.82	19.42	3.35%	16.12%	6.19%	4.75%	0.06
NRIMNorthrim BanCorp, Inc.	640.63M	29.00	17.47	23.77%	18.87%	19.99%		0.15

Profit & Loss

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Net Interest Income+	29.21M	33.76M	42.97M	47.05M	45.73M	44.92M	47.63M	51.61M	38.09M	36.34M
NII Growth %	0.09%	0.16%	0.27%	0.1%	-0.03%	-0.02%	0.06%	0.08%	-0.26%	-0.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	30.95M	35.63M	45.31M	49.87M	50.49M	48.34M	49.83M	55.67M	56.55M	58.96M
Interest Expense	1.74M	1.87M	2.35M	2.81M	4.76M	3.43M	2.2M	4.06M	18.47M	22.62M
Loan Loss Provision	-1.15M	0	0	50K	1.25M	6.3M	-4.63M	750K	0	100K
Non-Interest Income+	9.38M	10.01M	10.65M	11.11M	12.36M	11.09M	12.74M	12.19M	10.24M	14.26M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	40.32M	45.64M	55.96M	60.98M	62.85M	59.43M	62.57M	67.86M	66.8M	73.22M
Revenue Growth %	0.08%	0.13%	0.23%	0.09%	0.03%	-0.05%	0.05%	0.08%	-0.02%	0.1%
Non-Interest Expense	29.95M	32.98M	35.62M	35.7M	36.26M	36.25M	36.72M	39.37M	43.73M	44.26M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	9.78M	10.79M	18M	22.41M	20.58M	13.45M	28.28M	23.68M	4.6M	6.24M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.47%	0.1%	0.67%	0.25%	-0.08%	-0.35%	1.1%	-0.16%	-0.81%	0.36%
Pretax Income+	9.78M	10.79M	18M	22.41M	20.58M	13.45M	28.28M	23.68M	4.6M	6.24M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	3.43M	3.39M	7.75M	5.15M	4.83M	2.98M	6.46M	5.61M	802K	1.33M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	6.36M	7.4M	10.24M	17.27M	15.75M	10.47M	21.82M	18.07M	3.8M	4.9M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.42%	0.16%	0.38%	0.69%	-0.09%	-0.34%	1.08%	-0.17%	-0.79%	0.29%
Net Income (Continuing)	6.36M	7.4M	10.24M	17.27M	15.75M	10.47M	21.82M	18.07M	3.8M	4.9M
EPS (Diluted)+	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23
EPS Growth %	0.4%	0.18%	0.36%	0.69%	-0.09%	-0.32%	1.09%	-0.15%	-0.78%	0.28%
EPS (Basic)	0.28	0.33	0.45	0.76	0.70	0.47	0.98	0.84	0.18	0.23
Diluted Shares Outstanding	22.49M	22.55M	22.62M	22.66M	22.7M	22.31M	22.23M	21.65M	21.14M	21.06M

Balance Sheet

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	72.17M	75.66M	50.73M	23.7M	42.22M	265.66M	241.67M	22.29M	23.64M	29.41M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	766.2M	969.66M	1.01B	1.04B	1.05B	1.18B	1.39B	1.45B	1.38B	1.37B
Investments Growth %	0.12%	0.27%	0.05%	0.03%	0%	0.13%	0.18%	0.04%	-0.05%	-0.01%
Long-Term Investments	615.51M	769.45M	800.86M	865.6M	899.19M	963.63M	1.23B	1.24B	1.24B	1.36B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	25.57M	27.08M	27.08M	27.08M	27.08M	27.08M	27.08M	27.08M	27.08M	27.08M
Intangible Assets	380K	1.73M	1.49M	1.22M	950K	700K	529K	379K	271K	171K
PP&E (Net)	14.6M	16.23M	15.78M	15.46M	17.08M	19.26M	18.52M	21.4M	22.92M	23.43M
Other Assets	27.33M	29.22M	30.21M	32.94M	31.57M	32.69M	32.98M	38.65M	52.07M	50.48M
Total Current Assets	228.65M	282.63M	271.3M	210.44M	201.66M	500.39M	424.5M	254.53M	171.25M	47.98M
Total Non-Current Assets	692.58M	851.31M	880.23M	946.48M	979.14M	1.05B	1.32B	1.34B	1.35B	1.47B
Total Assets+	921.23M	1.13B	1.15B	1.16B	1.18B	1.55B	1.74B	1.59B	1.52B	1.51B
Asset Growth %	0.07%	0.23%	0.02%	0%	0.02%	0.31%	0.12%	-0.09%	-0.04%	-0.01%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0%	0%
Accounts Payable	0	0	0	0	0	0	0	0	0	0
Total Debt+	25.16M	28.84M	28.91M	85.56M	29.03M	29.08M	29.12M	152.9M	117.48M	105.59M
Net Debt	-47.01M	-46.81M	-21.82M	61.87M	-13.19M	-236.58M	-212.56M	130.61M	93.83M	76.18M
Long-Term Debt	22.68M	26.39M	26.48M	83.16M	26.66M	26.75M	26.83M	150.67M	115.31M	103.49M
Short-Term Debt	0	0	0	0	0	0	0	0	0	0
Other Liabilities	609K	693K	637K	631K	703K	521K	555K	625K	16.79M	15.39M
Total Current Liabilities	787.19M	993.14M	1.01B	937.6M	1B	1.37B	1.55B	1.28B	1.23B	1.23B
Total Non-Current Liabilities	25.77M	29.54M	29.55M	86.19M	29.73M	29.6M	29.67M	153.53M	134.26M	120.98M
Total Liabilities	812.96M	1.02B	1.03B	1.02B	1.03B	1.4B	1.58B	1.43B	1.37B	1.35B
Total Equity+	108.27M	111.26M	116.9M	133.12M	148.84M	151.59M	157.25M	155.24M	155.59M	160.01M
Equity Growth %	0.04%	0.03%	0.05%	0.14%	0.12%	0.02%	0.04%	-0.01%	0%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.07%	0.09%	0.14%	0.11%	0.07%	0.14%	0.12%	0.02%	0.03%
Book Value per Share	4.81	4.93	5.17	5.87	6.56	6.79	7.08	7.17	7.36	7.60
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	225K	225K	226K	226K	225K	223K	221K	212K	211K	208K
Additional Paid-in Capital	64.42M	64.47M	64.87M	65.09M	64.65M	63.65M	62.05M	55.51M	55.01M	53.39M
Retained Earnings	42.73M	48.34M	56.55M	70.43M	81.87M	87.88M	104.93M	117.83M	116.5M	119.72M
Accumulated OCI	1.08M	-1.69M	-4.75M	-2.63M	2.1M	-160K	-9.95M	-18.31M	-16.13M	-13.3M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operations+	11.08M	18.06M	11.94M	20.15M	15.92M	24.17M	16.46M	13.57M	12.75M	8.27M
Operating CF Growth %	0.99%	0.63%	-0.34%	0.69%	-0.21%	0.52%	-0.32%	-0.18%	-0.06%	-0.35%
Net Income	6.36M	7.4M	10.24M	17.27M	15.75M	10.47M	21.82M	18.07M	3.8M	4.9M
Depreciation & Amortization	2.6M	2.75M	2.92M	2.72M	2.96M	3.21M	3.52M	2.69M	2.76M	3.33M
Deferred Taxes	3.17M	3.1M	3.67M	-11K	-574K	-1.43M	1.01M	-144K	-165K	261K
Other Non-Cash Items	40K	-215K	-621K	-1.54M	1.02M	8.53M	-9.05M	-136K	2.19M	-1.08M
Working Capital Changes	-1.2M	4.88M	-4.5M	1.68M	-3.59M	2.99M	-1.15M	-7.3M	4.14M	472K
Cash from Investing+	-70.66M	-76.59M	-45.58M	-24.97M	-878K	-150.25M	-221.66M	-76.25M	63.56M	13.33M
Purchase of Investments	-60.68M	-92.42M	-47.49M	0	-18.13M	-160.24M	-224.56M	-81.8M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	15.12M	0	0	0	0	0	0	0	0
Other Investing	-31.49M	-35.74M	-26.88M	-60.45M	-32.8M	-34.52M	-40.63M	-23.13M	-13.3M	-37.63M
Cash from Financing+	56.32M	67.75M	13.8M	-17M	3.98M	349.52M	181.21M	-156.71M	-74.71M	-15.82M
Dividends Paid	-1.26M	-1.8M	-2.14M	-3.16M	-4.08M	-4.48M	-4.67M	-5.12M	-5.08M	-2.53M
Share Repurchases	0	0	0	-179K	-1.02M	-1.45M	-1.94M	-6.71M	-577K	-2M
Stock Issued	0	0	0	179K	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-42K	-21K	-23K	1000K	-1000K	-40K	-46K	1000K	-1000K	-1000K
Other Financing	57.63M	69.56M	15.96M	-70.39M	65.69M	355.49M	187.87M	-268.59M	-33.55M	682K
Net Change in Cash+	-3.26M	9.21M	-19.85M	-21.82M	19.02M	223.44M	-23.98M	-219.38M	1.6M	5.77M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	58.66M	55.4M	64.61M	44.77M	22.95M	41.97M	265.41M	241.42M	22.04M	23.64M
Cash at End	55.4M	64.61M	44.77M	22.95M	41.97M	265.41M	241.42M	22.04M	23.64M	29.41M
Interest Paid	1.57M	1.66M	2.18M	2.69M	4.58M	3.25M	1.95M	3.74M	17.24M	21.63M
Income Taxes Paid	239K	285K	3.28M	6.88M	4.44M	4.74M	5.41M	6.24M	1.87M	97K
Free Cash Flow+	10.71M	17.46M	11.19M	19.11M	12.96M	20.61M	13.21M	8.61M	7.14M	5.56M
FCF Growth %	1.1%	0.63%	-0.36%	0.71%	-0.32%	0.59%	-0.36%	-0.35%	-0.17%	-0.22%

Banking Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	5.98%	6.75%	8.98%	13.81%	11.17%	6.97%	14.13%	11.56%	2.44%	3.11%
Return on Assets (ROA)	0.71%	0.72%	0.9%	1.5%	1.35%	0.77%	1.33%	1.09%	0.24%	0.32%
Net Interest Margin	3.17%	2.98%	3.73%	4.07%	3.87%	2.9%	2.74%	3.25%	2.5%	2.4%
Efficiency Ratio	74.27%	72.26%	63.64%	58.55%	57.69%	61%	58.68%	58.02%	65.46%	60.45%
Equity / Assets	11.75%	9.81%	10.15%	11.51%	12.61%	9.79%	9.04%	9.77%	10.23%	10.57%
Book Value / Share	4.81	4.93	5.17	5.87	6.56	6.79	7.08	7.17	7.36	7.6
NII Growth	9.34%	15.59%	27.27%	9.52%	-2.81%	-1.78%	6.03%	8.36%	-26.2%	-4.57%
Dividend Payout	19.83%	24.3%	20.89%	18.32%	25.88%	42.76%	21.4%	28.32%	133.72%	51.66%

Revenue by Segment

	2019	2020	2021	2022	2023	2024	2025
Asset management fees.	-	-	-	4.11M	4.73M	5.33M	5.91M
Asset management fees. Growth	-	-	-	-	15.27%	12.55%	10.85%
Debit card and ATM fees	3.1M	3.1M	3.1M	3.5M	3.34M	3.25M	3.1M
Debit card and ATM fees Growth	-	-0.06%	0.03%	12.76%	-4.52%	-2.72%	-4.49%
Deposit related fees	1.72M	2.21M	1.51M	1.63M	1.74M	1.82M	1.93M
Deposit related fees Growth	-	28.53%	-31.56%	7.93%	6.30%	4.95%	5.70%
Loan related fees	1.26M	605K	1.23M	1.25M	539K	522K	315K
Loan related fees Growth	-	-51.91%	103.14%	1.46%	-56.78%	-3.15%	-39.66%
Other, net	-	-	-	872K	956K	-	-
Other, net Growth	-	-	-	-	9.63%	-	-
Boli Death Benefit In Excess Of Cash Surrender Value	-	-	-	500K	-	-	-
Boli Death Benefit In Excess Of Cash Surrender Value Growth	-	-	-	-	-	-	-
Asset Management1	3.79M	4.41M	3.65M	-	-	-	-
Asset Management1 Growth	-	16.28%	-17.29%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Riverview Bancorp, Inc. (RVSB) has a price-to-earnings (P/E) ratio of 22.6x. This is roughly in line with market averages.

Growth & Financials

Riverview Bancorp, Inc. (RVSB) grew revenue by 9.6% over the past year. This is steady growth.

Yes, Riverview Bancorp, Inc. (RVSB) is profitable, generating $5.2M in net income for fiscal year 2025 (6.7% net margin).

Dividend & Returns

Yes, Riverview Bancorp, Inc. (RVSB) pays a dividend with a yield of 2.31%. This makes it attractive for income-focused investors.

Riverview Bancorp, Inc. (RVSB) has a return on equity (ROE) of 3.1%. This is below average, suggesting room for improvement.

Industry Metrics

Riverview Bancorp, Inc. (RVSB) has a net interest margin (NIM) of 2.4%. NIM has been under pressure due to interest rate environment.

Riverview Bancorp, Inc. (RVSB) has an efficiency ratio of 60.5%. This is reasonable for a bank.

US Stock Screener

...