Riverview Bancorp Inc - Understand $rvsb stock

$RVSB Market Cap: $119.2 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$57.90M

TTM

Gross Margin

Net Earnings

$1.007M

TTM

Current Assets

Current Liabilities

$17.79M

Q3 2024

Current Ratio

Total Assets

$1.548B

Q3 2024

Total Liabilities

$1.388B

Q3 2024

Book Value

$160.8M

Q3 2024

Cash

$30.96M

Q3 2024

P/E

118.4

Nov 29, 2024 EST

Free Cash Flow

$3.955M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Revenue	$56.56M	$55.67M	$49.83M	$48.34M	$50.50M
YoY Change	1.6%	11.72%	3.06%	-4.26%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2024	2023	2022	2021	2020
Revenue	$56.56M	$55.67M	$49.83M	$48.34M	$50.50M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$2.761M	$2.693M	$3.521M	$3.210M	$2.960M	$2.720M	$2.920M	$2.750M	$2.600M	$3.280M	$1.900M	$1.880M	$2.010M	$1.930M	$2.230M	$2.320M	$2.190M	$2.260M	$1.910M	$1.490M	$2.160M	$2.110M	$1.620M	$1.450M	$1.290M	$1.200M	$850.0K	$790.0K	$580.0K	$570.0K
YoY Change	2.53%	-23.52%	9.69%	8.45%	8.82%	-6.85%	6.18%	5.77%	-20.73%	72.63%	1.06%	-6.47%	4.15%	-13.45%	-3.88%	5.94%	-3.1%	18.32%	28.19%	-31.02%	2.37%	30.25%	11.72%	12.4%	7.5%	41.18%	7.59%	36.21%	1.75%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2024	2023	2022	2021	2020
Interest Expense	$18.47M	$4.060M	$2.200M	$3.427M	$4.764M
YoY Change	354.9%	84.55%	-35.8%	-28.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Pretax Income	$4.601M	$23.68M	$28.28M	$13.45M	$20.58M	$22.41M	$18.00M	$10.79M	$9.780M	$6.640M	$4.340M	$2.660M	-$23.28M	$6.480M	-$8.720M	-$4.210M	$13.14M	$17.77M	$14.32M	$9.570M	$9.760M	$6.350M	$7.000M	$5.200M	$5.760M	$6.770M	$6.000M	$3.040M	$3.990M	$3.670M	$3.740M
YoY Change	-80.57%	-16.26%	110.18%	-34.62%	-8.17%	24.5%	66.82%	10.33%	47.29%	53.0%	63.16%	-111.43%	-459.26%	-174.31%	107.13%	-132.04%	-26.06%	24.09%	49.63%	-1.95%	53.7%	-9.29%	34.62%	-9.72%	-14.92%	12.83%	97.37%	-23.81%	8.72%	-1.87%	0.27%
Income Tax	$802.0K	$5.610M	$6.456M	$2.981M	$4.830M	$5.150M	$5.660M	$3.390M	$3.430M	$2.150M	-$15.08M	$30.00K	$8.380M	$2.170M	-$3.280M	-$1.560M	$4.500M	$6.170M	$4.580M	$3.040M	$3.210M	$1.990M	$2.140M	$1.640M	$1.880M	$2.310M	$2.070M	$1.040M	$1.380M	$1.220M	$1.360M
% Of Pretax Income	17.43%	23.69%	22.83%	22.16%	23.47%	22.98%	31.44%	31.42%	35.07%	32.38%	-347.47%	1.13%		33.49%			34.25%	34.72%	31.98%	31.77%	32.89%	31.34%	30.57%	31.54%	32.64%	34.12%	34.5%	34.21%	34.59%	33.24%	36.36%
Net Earnings	$3.799M	$18.07M	$21.82M	$10.47M	$15.75M	$17.27M	$10.24M	$7.400M	$6.360M	$4.490M	$19.42M	$2.630M	-$31.66M	$4.320M	-$5.440M	-$2.650M	$8.640M	$11.61M	$9.740M	$6.530M	$6.550M	$4.360M	$4.870M	$3.560M	$3.880M	$4.460M	$3.920M	$2.010M	$2.610M	$2.450M	$2.210M
YoY Change	-78.98%	-17.19%	108.37%	-33.5%	-8.81%	68.65%	38.38%	16.35%	41.65%	-76.88%	638.4%	-108.31%	-832.8%	-179.41%	105.28%	-130.67%	-25.58%	19.2%	49.16%	-0.31%	50.23%	-10.47%	36.8%	-8.25%	-13.0%	13.78%	95.02%	-22.99%	6.53%	10.86%	-7.14%
Net Earnings / Revenue	6.72%	32.46%	43.79%	21.66%	31.19%
Basic Earnings Per Share	$0.18	$0.84	$0.98	$0.47	$0.69								-$1.42
Diluted Earnings Per Share	$0.18	$0.83	$0.98	$0.47	$0.69	$762.1K	$452.7K	$328.2K	$282.8K	$200.2K	$868.1K	$117.7K	-$1.42	$235.6K	-$507.5K	-$247.9K	$784.7K	$1.008M	$858.1K	$667.7K	$694.6K	$492.7K	$528.2K	$383.6K	$372.7K	$382.2K	$323.4K	$423.2K	$553.0K	$521.3K	$494.4K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$22.92M	$21.40M	$26.43M	$28.00M	$21.00M	$15.50M	$15.80M	$16.20M	$14.60M	$15.40M	$16.40M	$17.70M	$17.10M	$16.10M	$16.50M	$19.50M	$21.00M	$21.40M	$19.10M	$8.400M	$9.700M	$9.500M	$10.60M	$10.10M	$9.100M	$6.200M	$4.800M	$4.600M	$4.400M	$4.100M	$1.700M
YoY Change	7.12%	-19.04%	-5.61%	33.33%	35.48%	-1.9%	-2.47%	10.96%	-5.19%	-6.1%	-7.34%	3.51%	6.21%	-2.42%	-15.38%	-7.14%	-1.87%	12.04%	127.38%	-13.4%	2.11%	-10.38%	4.95%	10.99%	46.77%	29.17%	4.35%	4.55%	7.32%	141.18%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$9.778M	$10.29M	$7.501M	$5.400M	$3.300M	$4.200M	$4.800M	$7.600M	$9.200M	$12.60M	$15.40M	$500.0K	$600.0K	$9.400M	$11.20M	$8.200M	$4.600M	$4.100M	$3.800M	$2.600M	$2.700M	$1.300M	$600.0K	$900.0K	$1.200M	$500.0K
YoY Change	-4.94%	37.13%	38.91%	63.64%	-21.43%	-12.5%	-36.84%	-17.39%	-26.98%	-18.18%	2980.0%	-16.67%	-93.62%	-16.07%	36.59%	78.26%	12.2%	7.89%	46.15%	-3.7%	107.69%	116.67%	-33.33%	-25.0%	140.0%
Total Long-Term Assets
YoY Change
Total Assets	$1.522B	$1.590B	$1.740B	$1.549B	$1.181B	$1.157B	$1.152B	$1.134B	$921.2M	$858.8M	$824.5M	$777.0M	$856.0M	$859.3M	$838.0M	$914.3M	$886.8M	$820.3M	$763.8M	$572.6M	$520.5M	$419.9M	$392.1M	$432.0M	$344.7M	$302.6M	$273.2M	$224.4M	$209.5M	$190.6M	$131.5M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$16.20M	$15.73M	$19.30M	$21.90M	$11.80M	$12.50M	$9.400M	$13.10M	$7.400M	$8.100M	$10.50M	$8.000M	$9.400M	$9.400M	$6.800M	$6.700M	$8.700M	$9.300M	$8.800M	$5.900M	$5.900M	$4.400M	$4.000M	$4.000M	$3.100M	$2.800M	$2.500M	$2.300M	$1.700M	$1.200M	$1.100M
YoY Change	3.02%	-18.49%	-11.88%	85.59%	-5.6%	32.98%	-28.24%	77.03%	-8.64%	-22.86%	31.25%	-14.89%	0.0%	38.24%	1.49%	-22.99%	-6.45%	5.68%	49.15%	0.0%	34.09%	10.0%	0.0%	29.03%	10.71%	12.0%	8.7%	35.29%	41.67%	9.09%
Deferred Revenue
YoY Change
Short-Term Debt																											$0.00	$200.0K	$300.0K	$400.0K	$500.0K
YoY Change																											-100.0%	-33.33%	-25.0%	-20.0%
Long-Term Debt Due	$222.0K			$200.0K	$200.0K	$200.0K
YoY Change				0.0%	0.0%
Total Short-Term Liabilities	$16.20M	$15.73M	$19.30M	$22.10M	$12.00M	$12.70M	$9.400M	$13.10M	$7.400M	$8.100M	$10.50M	$8.000M	$9.400M	$9.400M	$6.800M	$6.700M	$8.700M	$9.300M	$8.800M	$5.900M	$5.900M	$4.400M	$4.000M	$4.000M	$3.100M	$2.800M	$2.500M	$2.300M	$1.700M	$1.200M	$1.100M
YoY Change	3.02%	-18.49%	-12.68%	84.17%	-5.51%	35.11%	-28.24%	77.03%	-8.64%	-22.86%	31.25%	-14.89%	0.0%	38.24%	1.49%	-22.99%	-6.45%	5.68%	49.15%	0.0%	34.09%	10.0%	0.0%	29.03%	10.71%	12.0%	8.7%	35.29%	41.67%	9.09%
Long-Term Debt	$29.17M	$29.15M	$29.12M	$28.90M	$28.80M	$28.80M	$28.90M	$28.80M	$25.20M	$25.00M	$25.00M	$25.10M	$25.20M	$25.20M	$25.30M	$25.30M	$25.40M	$9.900M	$10.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	0.09%	0.11%	0.75%	0.35%	0.0%	-0.35%	0.35%	14.29%	0.8%	0.0%	-0.4%	-0.4%	0.0%	-0.4%	0.0%	-0.39%	156.57%	-1.0%
Other Long-Term Liabilities	$581.0K	$625.0K	$555.0K	$500.0K	$700.0K	$600.0K	$600.0K	$700.0K	$600.0K	$500.0K	$500.0K	$1.000M	$800.0K	$700.0K	$400.0K	$400.0K	$400.0K	$400.0K	$400.0K	$300.0K	$300.0K	$300.0K	$200.0K	$200.0K	$100.0K	$0.00	$100.0K	$100.0K	$100.0K	$0.00	$100.0K
YoY Change	-7.04%	12.61%	11.0%	-28.57%	16.67%	0.0%	-14.29%	16.67%	20.0%	0.0%	-50.0%	25.0%	14.29%	75.0%	0.0%	0.0%	0.0%	0.0%	33.33%	0.0%	0.0%	50.0%	0.0%	100.0%		-100.0%	0.0%	0.0%		-100.0%
Total Long-Term Liabilities	$29.75M	$29.77M	$29.67M	$29.40M	$29.50M	$29.40M	$29.50M	$29.50M	$25.80M	$25.50M	$25.50M	$26.10M	$26.00M	$25.90M	$25.70M	$25.70M	$25.80M	$10.30M	$10.40M	$300.0K	$300.0K	$300.0K	$200.0K	$200.0K	$100.0K	$0.00	$100.0K	$100.0K	$100.0K	$0.00	$100.0K
YoY Change	-0.06%	0.34%	0.92%	-0.34%	0.34%	-0.34%	0.0%	14.34%	1.18%	0.0%	-2.3%	0.38%	0.39%	0.78%	0.0%	-0.39%	150.49%	-0.96%	3366.67%	0.0%	0.0%	50.0%	0.0%	100.0%		-100.0%	0.0%	0.0%		-100.0%
Total Liabilities	$1.366B	$1.434B	$1.583B	$1.398B	$1.032B	$1.024B	$1.035B	$1.023B	$813.0M	$754.9M	$726.5M	$698.6M	$780.4M	$752.3M	$754.0M	$825.7M	$794.3M	$720.1M	$672.2M	$503.0M	$455.3M	$365.4M	$338.4M	$379.3M	$296.2M	$245.7M	$212.1M	$199.4M	$186.4M	$170.1M	$113.2M
YoY Change	-4.78%	-9.37%	13.25%	35.43%	0.8%	-1.04%	1.16%	25.79%	7.7%	3.91%	3.99%	-10.48%	3.74%	-0.23%	-8.68%	3.95%	10.3%	7.13%	33.64%	10.48%	24.6%	7.98%	-10.78%	28.06%	20.55%	15.84%	6.37%	6.97%	9.58%	50.27%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2024	2023	2022	2021	2020
Basic Shares Outstanding	21.14M	21.64M	22.21M	22.30M	22.71M
Diluted Shares Outstanding	21.14M	21.65M	22.23M	22.31M	22.74M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $119.25 Million

About RIVERVIEW BANCORP INC

Riverview Bancorp, Inc. operates as a holding company. The company is headquartered in Vancouver Washington, Washington and currently employs 226 full-time employees. The Bank has two subsidiaries: Riverview Trust Company (the Trust Company) and Riverview Services, Inc. (Riverview Services). The Trust Company is a trust and financial services company located in downtown Vancouver, Washington, and provides full-service brokerage activities, trust and asset management services. Riverview Services acts as a trustee for deeds of trust on mortgage loans granted by the Bank. The firm operates through two segments, which consist of banking operations performed by the Bank and trust and investment services performed by the Trust Company. The firm is engaged predominantly in the business of attracting deposits from the public and using such funds in its primary market area to originate commercial business, commercial real estate, multifamily real estate, land, real estate construction, residential real estate and other consumer loans.

Industry: Savings Institution, Federally Chartered Peers: HAWTHORN BANCSHARES, INC. FRANKLIN FINANCIAL SERVICES CORP /PA/ Hanover Bancorp, Inc. /NY LIMESTONE BANCORP, INC. LYONS BANCORP INC Oak Valley Bancorp PEOPLES BANCORP OF NORTH CAROLINA INC PNC FINANCIAL SERVICES GROUP, INC. SALISBURY BANCORP, INC.