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
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 13.68% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -0.73% returns
Real-Time Research ReportHow 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?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Riverview Bancorp, Inc.
-0.18%
1.34
29.25%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.65%
EBIT Growth (5y)
-3.88%
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
76.75%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
0.65
EV to EBIT
58.65
EV to EBITDA
26.30
EV to Capital Employed
0.74
EV to Sales
2.64
PEG Ratio
0.04
Dividend Yield
1.57%
ROCE (Latest)
1.26%
ROE (Latest)
2.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 10.54 MM
NET SALES(Q)
Highest at USD 15.97 MM
OPERATING PROFIT(Q)
Highest at USD 1.74 MM
OPERATING PROFIT MARGIN(Q)
Highest at 10.9 %
PRE-TAX PROFIT(Q)
Highest at USD 1.74 MM
NET PROFIT(Q)
Highest at USD 1.38 MM
EPS(Q)
Highest at USD 0.07
-2What is not working for the Company
GROSS NPA (%)
(Q
Here's what is working for Riverview Bancorp, Inc.
NII
Highest at USD 10.54 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 15.97 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 1.74 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 10.9 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 1.74 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 1.38 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.07
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Here's what is not working for Riverview Bancorp, Inc.
Non Performing Loans (%)
Highest at 0.1%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Capital Adequacy Ratio
Lowest at 15.09%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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