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Riverview Bancorp, Inc.

  • Market Cap: Micro Cap
  • Industry: Savings Banks
  • ISIN: US7693971001
USD
5.18
-0.07 (-1.33%)

Dec 04

NAS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Ponce Financial Group, Inc.
Third Coast Bancshares, Inc.
Provident Bancorp, Inc. (Massachusetts)
Timberland Bancorp, Inc. (Washington)
FS Bancorp, Inc.
Blue Foundry Bancorp
Western New England Bancorp, Inc.
First Northwest Bancorp (Washington)
Riverview Bancorp, Inc.
ESSA Bancorp, Inc.
William Penn Bancorp
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
Reducing Promoter Confidence
  • Promoters have decreased their stake in the company by -0.56% over the previous quarter and currently hold 0.04% of the company
  • Promoters decreasing their stake may signify reduced confidence in the future of the business
4
Consistent Underperformance against the benchmark over the last 3 years
  • Along with generating -4.88% returns in the last 1 year, the stock has also underperformed S&P 500 in each of the last 3 annual periods
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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?

Low Risk, High Return

Absolute
Risk Adjusted
Volatility
Riverview Bancorp, Inc.
-8.96%
1.26
28.02%
S&P 500
13.22%
0.61
20.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
74.53%
ROCE (avg)
0
ROE (avg)
0
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
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%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

16What 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 periods
MOJO 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 periods
MOJO 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 2025
MOJO 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 periods
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

CASA
Highest at 15.31%
in the last five periods
MOJO 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 years
MOJO Watch
The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

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