Riverview Bancorp, Inc. (RVSB) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
20.52
+10% vs avg
5yr avg: 18.68
30Y Low3.5·High26.3
P/FCF
↑
21.62
↑+57% vs avg
5yr avg: 13.80
30Y Low2.6·High36.6
P/B Ratio
↓
0.76
-9% vs avg
5yr avg: 0.84
30Y Low0.3·High1.8
ROE
↓
3.1%
↑-59% vs avg
5yr avg: 7.6%
30Y Low-34%·High22%
Debt/EBITDA
↑
11.04
↑+56% vs avg
5yr avg: 7.09
30Y Low0.9·High16.0
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RVSB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Riverview Bancorp, Inc. trades at 25.2x earnings, 58% above its 5-year average of 15.9x, sitting at the 92nd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 86%. On a free-cash-flow basis, the stock trades at 21.6x P/FCF, 57% above the 5-year average of 13.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $120M | $119M | $100M | $116M | $168M | $155M | $114M | $166M | $211M | $161M | $94M |
| Enterprise Value | $196M | $195M | $194M | $246M | $-44758250 | $-81950910 | $101M | $228M | $189M | $114M | $47M |
| P/E Ratio → | 25.22 | 24.57 | 26.22 | 6.43 | 7.70 | 14.74 | 7.26 | 9.62 | 20.76 | 21.67 | 15.00 |
| P/S Ratio | 1.64 | 1.63 | 1.49 | 1.70 | 2.68 | 2.60 | 1.81 | 2.72 | 3.77 | 3.53 | 2.34 |
| P/B Ratio | 0.76 | 0.74 | 0.64 | 0.74 | 1.07 | 1.02 | 0.76 | 1.24 | 1.81 | 1.45 | 0.87 |
| P/FCF | 21.62 | 21.42 | 13.97 | 13.42 | 12.70 | 7.50 | 8.77 | 8.67 | 18.89 | 9.23 | 8.82 |
| P/OCF | 14.53 | 14.39 | 7.82 | 8.51 | 10.19 | 6.40 | 7.14 | 8.22 | 17.69 | 8.93 | 8.53 |
P/E links to full P/E history page with 30-year chart
RVSB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Riverview Bancorp, Inc.'s enterprise value stands at 20.5x EBITDA, 10% above its 5-year average of 18.7x. The Financial Services sector median is 11.4x, placing the stock at a 80% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.67 | 2.90 | 3.63 | -0.72 | -1.38 | 1.60 | 3.73 | 3.38 | 2.51 | 1.18 |
| EV / EBITDA | 20.52 | 20.41 | 26.30 | 9.34 | -1.41 | -4.92 | 4.27 | 9.05 | 9.06 | 8.45 | 3.83 |
| EV / EBIT | 31.47 | 31.29 | 42.08 | 10.40 | -1.58 | -6.09 | 4.89 | 10.15 | 10.53 | 10.60 | 4.85 |
| EV / FCF | — | 35.12 | 27.11 | 28.59 | -3.39 | -3.98 | 7.75 | 11.91 | 16.93 | 6.55 | 4.43 |
RVSB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Riverview Bancorp, Inc. earns an operating margin of 8.5%, below the Financial Services sector average of 20.3%. Operating margins have compressed from 34.9% to 8.5% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 3.1% is modest, trailing the sector median of 9.0%. ROIC of 1.7% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 69.0% | 69.0% | 72.4% | 92.9% | 103.9% | 83.6% | 90.4% | 95.3% | 95.8% | 95.9% | 98.5% |
| Operating Margin | 8.5% | 8.5% | 6.9% | 34.9% | 45.2% | 22.6% | 32.7% | 36.8% | 32.2% | 23.6% | 24.3% |
| Net Profit Margin | 6.7% | 6.7% | 5.7% | 26.6% | 34.9% | 17.6% | 25.1% | 28.3% | 18.3% | 16.2% | 15.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 3.1% | 3.1% | 2.4% | 11.6% | 14.1% | 7.0% | 11.2% | 13.8% | 9.0% | 6.7% | 6.0% |
| ROA | 0.3% | 0.3% | 0.2% | 1.1% | 1.3% | 0.8% | 1.3% | 1.5% | 0.9% | 0.7% | 0.7% |
| ROIC | 1.7% | 1.7% | 1.2% | 7.2% | 11.6% | 5.6% | 7.8% | 9.2% | 9.4% | 5.9% | 5.6% |
| ROCE | 2.2% | 2.2% | 1.5% | 9.6% | 15.4% | 7.5% | 10.3% | 12.3% | 12.5% | 7.9% | 7.4% |
RVSB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Riverview Bancorp, Inc. carries a Debt/EBITDA ratio of 11.0x, which is highly leveraged (159% above the sector average of 4.3x). Net debt stands at $76M ($106M total debt minus $29M cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.66 | 0.66 | 0.76 | 0.98 | 0.19 | 0.19 | 0.20 | 0.64 | 0.25 | 0.26 | 0.23 |
| Debt / EBITDA | 11.04 | 11.04 | 15.96 | 5.80 | 0.92 | 1.74 | 1.23 | 3.40 | 1.38 | 2.13 | 2.03 |
| Net Debt / Equity | — | 0.48 | 0.60 | 0.84 | -1.35 | -1.56 | -0.09 | 0.46 | -0.19 | -0.42 | -0.43 |
| Net Debt / EBITDA | 7.96 | 7.96 | 12.75 | 4.95 | -6.68 | -14.20 | -0.56 | 2.46 | -1.04 | -3.46 | -3.80 |
| Debt / FCF | — | 13.71 | 13.14 | 15.17 | -16.09 | -11.48 | -1.02 | 3.24 | -1.95 | -2.68 | -4.39 |
| Interest Coverage | 0.28 | 0.28 | 0.25 | 5.83 | 12.85 | 3.93 | 4.32 | 7.96 | 7.66 | 5.77 | 5.62 |
RVSB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.04x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.20x to 0.04x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.04 | 0.04 | 0.14 | 0.20 | 0.27 | 0.37 | 0.20 | 0.22 | 0.27 | 0.28 | 0.29 |
| Quick Ratio | 0.04 | 0.04 | 0.14 | 0.20 | 0.27 | 0.37 | 0.20 | 0.22 | 0.27 | 0.28 | 0.29 |
| Cash Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.16 | 0.19 | 0.04 | 0.03 | 0.05 | 0.08 | 0.09 |
| Asset Turnover | — | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
RVSB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Riverview Bancorp, Inc. returns 3.7% to shareholders annually — split between a 2.1% dividend yield and 1.7% buyback yield. A payout ratio of 51.7% is moderate and appears sustainable, balancing shareholder returns with reinvestment capacity. The earnings yield of 4.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.1% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 51.7% | 51.7% | 133.7% | 28.3% | 21.4% | 42.8% | 25.9% | 18.3% | 20.9% | 24.3% | 19.8% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.0% | 4.1% | 3.8% | 15.5% | 13.0% | 6.8% | 13.8% | 10.4% | 4.8% | 4.6% | 6.7% |
| FCF Yield | 4.6% | 4.7% | 7.2% | 7.4% | 7.9% | 13.3% | 11.4% | 11.5% | 5.3% | 10.8% | 11.3% |
| Buyback Yield | 1.7% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.7% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $21M | $21M | $22M | $22M | $22M | $23M | $23M | $23M | $23M | $22M |
Peer Comparison
Compare RVSB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RVSBYou | $120M | 25.2 | 20.5 | 21.6 | 69.0% | 8.5% | 3.1% | 1.7% | 11.0 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 COLB | $7B | 13.3 | 12.0 | 10.3 | 67.7% | 23.4% | 8.5% | 5.4% | 4.5 |
 HFWA | $949M | 14.2 | 11.8 | 11.1 | 72.4% | 23.2% | 7.6% | 5.2% | 0.5 |
 NWBI | $2B | 15.7 | 14.1 | 14.9 | 68.3% | 18.8% | 7.2% | 5.6% | 2.7 |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
 PFIS | $623M | 10.6 | 11.4 | 14.4 | 66.6% | 25.7% | 12.0% | 7.7% | 3.6 |
 GBCI | $6B | 24.3 | 24.3 | 18.1 | 69.0% | 22.9% | 6.4% | 3.5% | 7.9 |
 HAFC | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 SFNC | $3B | -7.4 | — | 7.5 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 ICE | $76B | 23.2 | 14.8 | 17.7 | 61.9% | 38.7% | 11.7% | 7.5% | 3.1 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 28 years · Updated daily
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Check Valuation
Historical Returns
10-year return with dividends reinvested.
Calculate
DCA Calculator
See how regular investing compounds over time.
Run Numbers
Peer Comparison
Compare growth, multiples, and margins vs sector.
Compare
RVSB — Frequently Asked Questions
Quick answers to the most common questions about buying RVSB stock.
What is Riverview Bancorp, Inc.'s P/E ratio?
Riverview Bancorp, Inc.'s current P/E ratio is 25.2x. The historical average is 15.3x. This places it at the 92th percentile of its historical range.
What is Riverview Bancorp, Inc.'s EV/EBITDA?
Riverview Bancorp, Inc.'s current EV/EBITDA is 20.5x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 10.4x.
What is Riverview Bancorp, Inc.'s ROE?
Riverview Bancorp, Inc.'s return on equity (ROE) is 3.1%. The historical average is 6.2%.
Is RVSB stock overvalued?
Based on historical data, Riverview Bancorp, Inc. is trading at a P/E of 25.2x. This is at the 92th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Riverview Bancorp, Inc.'s dividend yield?
Riverview Bancorp, Inc.'s current dividend yield is 2.07% with a payout ratio of 51.7%.
What are Riverview Bancorp, Inc.'s profit margins?
Riverview Bancorp, Inc. has 69.0% gross margin and 8.5% operating margin.
How much debt does Riverview Bancorp, Inc. have?
Riverview Bancorp, Inc.'s Debt/EBITDA ratio is 11.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.