ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Riverview Bancorp, Inc. ?
1
With a Operating Losses, the company has a Weak Long Term Fundamental Strength
- A low provision coverage ratio signifies the bank has not recognized and created adeqaute reserves to cover its non perfoming loans
2
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 2.13 MM
3
With ROA of 0.24%, it has a fair valuation with a 0.72 Price to Book Value
- Over the past year, while the stock has generated a return of -9.72%, its profits have risen by 29% ; the PEG ratio of the company is 0.8
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -9.72% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Riverview Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Savings Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Riverview Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Riverview Bancorp, Inc.
-4.09%
1.19
28.31%
S&P 500
13.99%
0.81
19.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.62%
EBIT Growth (5y)
-6.75%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
34.36%
Pledged Shares
0
Institutional Holding
77.08%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
0.72
EV to EBIT
49.94
EV to EBITDA
29.71
EV to Capital Employed
0.81
EV to Sales
3.14
PEG Ratio
0.79
Dividend Yield
110.01%
ROCE (Latest)
1.62%
ROE (Latest)
3.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NET PROFIT(HY)
Higher at USD 2.37 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0.01%
NII(Q)
Highest at USD 9.84 MM
NET SALES(Q)
Highest at USD 15.38 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 2.13 MM
Here's what is working for Riverview Bancorp, Inc.
Net Profit
At USD 2.37 MM has Grown at 218.53%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 0.01% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at USD 9.84 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
Higher at USD 2.37 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (USD MM)
Net Sales
Highest at USD 15.38 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
CASA
Highest at 15.31%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Riverview Bancorp, Inc.
Operating Cash Flow
Lowest at USD 2.13 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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