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RVSB Riverview Bancorp Inc

Price (delayed)

$5.42

Market cap

$114.19M

P/E Ratio

108.4

Dividend/share

$0.16

EPS

$0.05

Enterprise value

$215.57M

Riverview Bancorp, Inc. is headquartered in Vancouver, Washington – just north of Portland, Oregon on the I-5 corridor. With assets of $1.43 billion at September 30, 2020, it is the ...

Highlights
RVSB's debt is down by 24% year-on-year and by 8% since the previous quarter
The equity has grown by 6% year-on-year and by 3.1% since the previous quarter
The P/E is 149% above the last 4 quarters average of 43.5
The company's net income has shrunk by 93% YoY and by 48% QoQ

Key stats

What are the main financial stats of RVSB
Market
Shares outstanding
21.07M
Market cap
$114.19M
Enterprise value
$215.57M
Valuations
Price to earnings (P/E)
108.4
Price to book (P/B)
0.71
Price to sales (P/S)
2.47
EV/EBIT
222.92
EV/EBITDA
53.44
EV/Sales
4.66
Earnings
Revenue
$46.3M
EBIT
$967,000
EBITDA
$4.03M
Free cash flow
$4.04M
Per share
EPS
$0.05
Free cash flow per share
$0.19
Book value per share
$7.62
Revenue per share
$2.19
TBVPS
$72.1
Balance sheet
Total assets
$1.55B
Total liabilities
$1.39B
Debt
$132.34M
Equity
$160.77M
Working capital
N/A
Liquidity
Debt to equity
0.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
25.13
Margins
EBITDA margin
8.7%
Gross margin
100%
Net margin
2.2%
Operating margin
2.1%
Efficiency
Return on assets
0.1%
Return on equity
0.6%
Return on invested capital
0.1%
Return on capital employed
N/A
Return on sales
2.1%
Dividend
Dividend yield
2.95%
DPS
$0.16
Payout ratio
320%

RVSB stock price

How has the Riverview Bancorp stock price performed over time
Intraday
5.24%
1 week
10.39%
1 month
16.31%
1 year
-6.55%
YTD
-15.31%
QTD
15.07%

Financial performance

How have Riverview Bancorp's revenue and profit performed over time
Revenue
$46.3M
Gross profit
$46.3M
Operating income
$967,000
Net income
$1.01M
Gross margin
100%
Net margin
2.2%
Riverview Bancorp's operating income has shrunk by 95% YoY and by 55% QoQ
The company's operating margin has shrunk by 93% YoY and by 54% QoQ
The company's net income has shrunk by 93% YoY and by 48% QoQ
RVSB's net margin has dropped by 91% year-on-year and by 46% since the previous quarter

Growth

What is Riverview Bancorp's growth rate over time

Valuation

What is Riverview Bancorp stock price valuation
P/E
108.4
P/B
0.71
P/S
2.47
EV/EBIT
222.92
EV/EBITDA
53.44
EV/Sales
4.66
The P/E is 149% above the last 4 quarters average of 43.5
RVSB's EPS has dropped by 92% year-on-year and by 50% since the previous quarter
The price to book (P/B) is 21% lower than the 5-year quarterly average of 0.9
The equity has grown by 6% year-on-year and by 3.1% since the previous quarter
RVSB's revenue is down by 20% year-on-year
RVSB's price to sales (P/S) is 18% higher than its last 4 quarters average of 2.1 and 7% higher than its 5-year quarterly average of 2.3

Efficiency

How efficient is Riverview Bancorp business performance
RVSB's ROS has dropped by 93% year-on-year and by 54% since the previous quarter
The company's return on equity has shrunk by 93% YoY and by 50% QoQ
The ROIC has plunged by 91% YoY
The company's return on assets has shrunk by 89% YoY

Dividends

What is RVSB's dividend history
DPS
$0.16
Dividend yield
2.95%
Payout ratio
320%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Riverview Bancorp financials performed over time
The total assets is 12% greater than the total liabilities
The company's total liabilities fell by 3.1% YoY
The total assets has declined by 2.2% year-on-year
RVSB's debt is 18% smaller than its equity
The company's debt to equity fell by 28% YoY and by 11% QoQ
RVSB's debt is down by 24% year-on-year and by 8% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.