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Riverview Bancorp, Inc. (RVSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Watch· this week
$5.70+0.53%
Close 2026-06-16 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak, and earnings quality cannot be assessed since the company was unprofitable over the past year. Management's recent track record has been fairly steady, while risk is moderate and the sector backdrop is a headwind. Peer multiples imply a price roughly in line with where it trades (about fair); the read is fair, but weakening. The valuation reflects that recent financials or earnings quality are weakening. This read is provisional.
as of 2026-06-16
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $122.98M
- Employees
- —
- IPO date
- 1997-06-27
- Next earnings
- 2026-08-04
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 4 valuation methods, at three horizons. Current price $5.70. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryfair
$5.68consensus
Range $2.59 – $9.06
vs price: +0% above
Method agreement — · 4 methods
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearinexpensive
$10.15consensus
Range $9.95 – $10.35
vs price: -44% below
Method agreement — · 2 methods
Embeds projected growth. Leans optimistic by design. Upside context.
5-yearinexpensive
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Re-ratinglow confidence
At $5.70 RVSB trades at 27× p/e — 2.2× the 12× p/e peer median. The market is re-rating it beyond its own range; our $5.71 fair value is low-confidence here. Not investment advice.
Multiple (P/E)
27.1x
peer 12.2x · own history —
Premium
2.2x peer
Growth the price needs
-0%
our forecast 4%
Our fair value
$5.71
range $2.59 – $9.08
WhyPeer anchor understates a real premium
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
fairfair — but weakening12-month view
What's priced inJustified
The market is pricing in roughly 0% near-term growth, in line with our forecast of about 4%. This describes what's priced in, not a forecast of the move.
Low fragilityrisk posture, not a price call
No fragility gates fired. Regime (Mania) does not concentrate fragility.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
7th pctl · Financials
Earnings quality
loss makingOver the trailing year it converted -2.77x of net income into operating cash flow.
Macro sensitivity
Most sensitive to the broad stock market.
- the broad stock market: This stock moves with the broad market (high beta).
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
Management & capital allocation
neutral5 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 57% of the time over the next year (vs 55% for the rest of the cohort, n=5004).
Earnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Earnings setup · pre-print positioning
forward-looking
NeutralEPS revised -12.5% / 30d, n=1for period ending 2026-06-30
Why this setup
Consensus revisions
EPS estimate $0.08 → $0.07 (-12.5% / 30d). 1 raised, 0 cut, 1 covering analysts.
Rating actions
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: Growth by revenue growth · theme capital-markets/rates.headwind
Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Provisional
- Earnings discipline
- neutral
- Post-call reaction
- neutral
Met or beat guidance 0% of the last 1 guided quarters · -76.9% avg surprise
as of 2026-06-16
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Long-term · 1–3 yr
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$89.
How much price usually moves either way.
On a bad day, this stock has moved -$286.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,588.
Deepest peak-to-trough drop in the last year.
moderateas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- label change · valuation_labelsmall change
Valuation label changed from 'full' to 'fair'.
As of June 16, 2026, the valuation changed, moving from full to fair. Risk fell, indicating a moderate level of risk. The sector backdrop remains a headwind, suggesting challenges in the current market environment. Recent financial performance is weak, reflecting ongoing difficulties for the company.
as of 2026-06-16
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Intermediate · Weekly
- DownsideHigh confidenceMonthsactive 4d
Watch for revenue growth dropping below median
Why it matters: The sector has been growing, but a drop below median growth could signal trouble for Riverview Bancorp.
What confirms / what disproves
Confirms:Riverview Bancorp reports revenue growth below the median of 15%.
Disproves:Riverview Bancorp maintains revenue growth above the median of 15%.
Sector context
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for RVSB yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like HDB, IBN, and PNC keep beating earnings and guiding higher, the Financials sector momentum should keep lifting RVSB and other Financials names. Worth watching these names for early signals.
- If RVSB raises forward guidance on the next earnings call (currently NEW as of 2026-04-30), that's a momentum boost. Street estimates typically follow guidance up and the stock tends to re-rate higher.
Downside triggers
- If RVSB cuts guidance on the next call (currently NEW as of 2026-04-30), that's a meaningful negative. The Street tends to walk down estimates and the stock usually takes a leg lower.
- If the Fed starts cutting rates from the current 3.62%, that would weigh on RVSB and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like HDB, IBN, and PNC start missing or guiding lower, the Financials tailwind helping RVSB and other Financials names could fade. Watch these names for early warning.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-04-301mo agoItem 2.02
Results of Operations and Financial Condition. On April 28, 2026, Riverview Bancorp, Inc. issued its earnings release for the quarter and year ended March 31, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
Earnings preannouncementnegative
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
About the same as last weeklatest as of 2026-06-17
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.