Riverview Bancorp, Inc. (RVSB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Riverview Bancorp, Inc.

William Penn Bancorp

Why is Riverview Bancorp, Inc. ?

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
GROSS NPA (%)(Q) Highest at 0.71%
CASH AND EQV(HY) Lowest at USD 26.82 MM
OPERATING PROFIT(Q) Lowest at USD 0.83 MM

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of 4.00%, its profits have risen by 406% ; the PEG ratio of the company is 0.1

Underperformed the market in the last 1 year

The stock has generated a return of 4.00% in the last 1 year, much lower than market (S&P 500) returns of 22.24%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Riverview Bancorp, Inc. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Riverview Bancorp, Inc.

2.91%

1.68

28.06%

S&P 500

20.78%

1.67

13.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

4.65%

EBIT Growth (5y)

-3.88%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

34.36%

Pledged Shares

Institutional Holding

75.34%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.70

EV to EBIT

61.43

EV to EBITDA

27.55

EV to Capital Employed

0.77

EV to Sales

2.77

PEG Ratio

0.05

Dividend Yield

1.46%

ROCE (Latest)

1.26%

ROE (Latest)

2.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bullish

RSI

Bearish

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 15.55 MM

CREDIT DEPOSIT RATIO(Q)

Highest at 0.71%

-22What is not working for the Company

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 26.82 MM

OPERATING PROFIT(Q)

Lowest at USD 0.83 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 5.45 %

PRE-TAX PROFIT(Q)

Lowest at USD -10.52 MM

NET PROFIT(Q)

Lowest at USD -8.04 MM

EPS(Q)

Lowest at USD -0.39

Here's what is working for Riverview Bancorp, Inc.

Credit Deposit Ratio

Highest at 0.71% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Operating Cash Flow

Highest at USD 15.55 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Here's what is not working for Riverview Bancorp, Inc.

Pre-Tax Profit

At USD -10.52 MM has Fallen at -784.64%

over average net sales of the previous four periods of USD 1.54 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Net Profit

At USD -8.04 MM has Fallen at -763.39%

over average net sales of the previous four periods of USD 1.21 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (USD MM)

Non Performing Loans (%)

Highest at 0.71%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Profit

Lowest at USD 0.83 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Operating Profit Margin

Lowest at 5.45 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at USD -10.52 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD -8.04 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD -0.39

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Cash and Eqv

Lowest at USD 26.82 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents