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1. Company Snapshot

1.a. Company Description

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.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.

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1.b. Last Insights on RVSB

Riverview Bancorp's recent performance was driven by strong Q2 earnings and revenue beat, with net income of $1.6 million, or $0.07 per diluted share, surpassing the Zacks Consensus Estimate. The company's quarterly cash dividend of $0.02 per share, maintained since the preceding quarter, demonstrates its commitment to returning value to shareholders. Additionally, the appointment of Charmaine Lightheart as EVP/Chief Retail and Digital Engagement Officer suggests a focus on enhancing retail and digital engagement, potentially driving future growth.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Is the Options Market Predicting a Spike in Riverview Bancorp Stock?

Nov -25

Source: zacks.com

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Riverview Bancorp (RVSB) Lags Q2 Earnings Estimates

Oct -28

Source: zacks.com

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Riverview Bancorp Reports Net Income of $1.1 Million in Second Fiscal Quarter 2026

Oct -28

Source: globenewswire.com

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Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share

Sep -29

Source: globenewswire.com

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Riverview Bancorp (RVSB) Q1 EPS Down 40%

Aug -04

Source: fool.com

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Riverview Bancorp (RVSB) Surpasses Q1 Earnings Estimates

Jul -29

Source: zacks.com

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Riverview Bancorp Reports Net Income of $1.2 Million in First Fiscal Quarter 2026

Jul -29

Source: globenewswire.com

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Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share

Jun -27

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.77%)

6. Segments

Banking and Related Activities

Expected Growth: 4.77%

Riverview Bancorp, Inc.'s 4.77% growth in Banking and Related Activities is driven by increasing loan demand, expansion of commercial banking services, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and a favorable interest rate environment have contributed to its growth.

7. Detailed Products

Commercial Loans

Riverview Bancorp, Inc. offers a range of commercial loans to businesses, including lines of credit, term loans, and construction loans.

Consumer Loans

The company provides consumer loans for personal use, such as auto loans, home equity loans, and personal lines of credit.

Mortgage Loans

Riverview Bancorp, Inc. offers a variety of mortgage loan options, including fixed-rate and adjustable-rate mortgages, as well as government-backed loans.

Deposit Accounts

The company offers a range of deposit accounts, including checking and savings accounts, certificates of deposit (CDs), and individual retirement accounts (IRAs).

Treasury Management Services

Riverview Bancorp, Inc. provides treasury management services, including cash management, wire transfers, and account reconciliation.

Online Banking and Mobile Banking

The company offers online banking and mobile banking services, allowing customers to manage their accounts, pay bills, and transfer funds remotely.

8. Riverview Bancorp, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Riverview Bancorp, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the complexity and specialization of banking services.

Bargaining Power Of Customers

Riverview Bancorp, Inc. has a diverse customer base, which reduces the bargaining power of individual customers. Additionally, the bank's services are often essential to its customers, making it difficult for them to switch to alternative providers.

Bargaining Power Of Suppliers

Riverview Bancorp, Inc. has a strong bargaining position with its suppliers, given its size and scale of operations. The bank is not heavily dependent on a single supplier, which further reduces the bargaining power of suppliers.

Threat Of New Entrants

The banking industry is heavily regulated, and new entrants face significant barriers to entry, including high capital requirements and complex regulatory hurdles. This reduces the threat of new entrants to Riverview Bancorp, Inc.

Intensity Of Rivalry

The banking industry is highly competitive, with many established players competing for market share. Riverview Bancorp, Inc. operates in a crowded market, which increases the intensity of rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 42.57%
Debt Cost 7.65%
Equity Weight 57.43%
Equity Cost 7.65%
WACC 7.65%
Leverage 74.11%

11. Quality Control: Riverview Bancorp, Inc. passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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A-Score: 5.5/10

Value: 5.9

Growth: 3.6

Quality: 3.8

Yield: 5.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

5.08$

Current Price

5.08$

Potential

0.00%

Expected Cash-Flows