Reading RVSB? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track RVSB free→Reading RVSB? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
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NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
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.
Daily closes. Earnings/event dots are placed inline.
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.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
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.
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.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
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.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
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.
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.
Operating 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).
Over the trailing year it converted -2.77x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
5 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).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.08 → $0.07 (-12.5% / 30d). 1 raised, 0 cut, 1 covering analysts.
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 0% of the last 1 guided quarters · -76.9% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
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.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
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
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The sector has been growing, but a drop below median growth could signal trouble for Riverview Bancorp.
Confirms:Riverview Bancorp reports revenue growth below the median of 15%.
Disproves:Riverview Bancorp maintains revenue growth above the median of 15%.
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.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
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.
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q3, 2026-Q1, 2026-Q2, 2026-Q3
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
RVSB Riverview Bancorp, Inc. | Below typical Show detailsSector percentile: 11 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
Not investment advice. As of 2026-06-16.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Focus on strategic optimization to enhance earnings per share annually.
Aim to improve the net interest margin to enhance profitability.
Execute a share repurchase program of up to $4.0 million to enhance shareholder value.
Why it matters: More people filing for unemployment could show the economy is weak. This might hurt Riverview Bancorp's performance.
Confirms:Unemployment claims rise above 300,000 for the week.
Disproves:Unemployment claims stay below 250,000 for the week.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (b) Director Retirements On April 24, 2026, Riverview Bancorp, Inc. (the “Company”), and its financial institution subsidiary, Riverview Bank (the “Bank”), announced that on April 23, 2026, after serving four consecutive terms on the board of directors (“the Boards”) since 2015, Bradley J. Carlson, a member of the Boards, of both the Company and th…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. (d) Appointment of New Directors On March 30, 2026, Riverview Bancorp, Inc. (the “Company”), and its financial institution subsidiary, Riverview Bank (the “Bank”), announced that their Boards of Directors have appointed Mr. Jon Girod and Mr. Kourosh Zamanizadeh to their respective Boards of Directors effective March 30, 2026. The appointment of Mes…
Results of Operations and Financial Condition. On January 27, 2026, Riverview Bancorp, Inc. issued its earnings release for the quarter ended December 31, 2025. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
Other Events On January 28, 2026, Riverview Bancorp, Inc. (the “Company”) announced that the Company’s Board of Directors authorized a share repurchase program of up to $4.0 million of its common stock. The news release announcing the stock repurchase program is attached as Exhibit 99.1 and incorporated by reference herein.