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Upturn AI SWOT - About
RVSB 
Riverview Bancorp Inc (RVSB)
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Upturn Advisory Summary
04/01/2025: RVSB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 39.71% | Avg. Invested days 54 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 122.71M USD | Price to earnings Ratio 146.25 | 1Y Target Price 6.25 |
Price to earnings Ratio 146.25 | 1Y Target Price 6.25 | ||
Volume (30-day avg) 65749 | Beta 0.74 | 52 Weeks Range 3.26 - 5.94 | Updated Date 04/1/2025 |
52 Weeks Range 3.26 - 5.94 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.42% | Basic EPS (TTM) 0.04 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.69% | Operating Margin (TTM) 13.94% |
Management Effectiveness
Return on Assets (TTM) 0.05% | Return on Equity (TTM) 0.5% |
Valuation
Trailing PE 146.25 | Forward PE - | Enterprise Value 215788768 | Price to Sales(TTM) 2.63 |
Enterprise Value 215788768 | Price to Sales(TTM) 2.63 | ||
Enterprise Value to Revenue 4.96 | Enterprise Value to EBITDA - | Shares Outstanding 20976200 | Shares Floating 14977636 |
Shares Outstanding 20976200 | Shares Floating 14977636 | ||
Percent Insiders 2.92 | Percent Institutions 70.37 |
Analyst Ratings
Rating 4 | Target Price 5.25 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Riverview Bancorp Inc
Company Overview
History and Background
Riverview Bancorp, Inc. was founded in 1923 as a savings and loan association. It has grown into a community bank serving the Pacific Northwest, particularly Washington and Oregon. It focuses on providing traditional banking services to individuals and businesses.
Core Business Areas
- Commercial Banking: Provides loans, deposit accounts, and other financial services to businesses, including commercial real estate financing, lines of credit, and treasury management.
- Retail Banking: Offers deposit accounts, loans (including mortgages and personal loans), and other services to individual customers.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
Kevin J. Lycklama serves as President & CEO. The company operates with a traditional board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share is difficult to pinpoint exactly but operates within the competitive Pacific Northwest market against larger national and regional banks. Competitors include Umpqua Bank, Columbia Bank, and larger national banks.
- Residential Mortgages: Offers mortgages to individuals. Competitors are similar to the Commercial Real Estate market and also include online lenders such as Rocket Mortgage.
- Deposit Accounts: Provides checking, savings, and money market accounts. Competitors are all banks that offer these accounts. Revenue can be tracked by net interest income.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a prominent trend.
Positioning
Riverview Bancorp is a community bank focusing on relationship banking and serving the Pacific Northwest market. Its competitive advantage lies in local knowledge and personalized service.
Total Addressable Market (TAM)
The total market value for banking services in the Pacific Northwest is substantial, estimated in the billions. Riverview Bancorp Inc is positioned to capture a segment of this market through its community-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Dependence on net interest income
- Slower technology adoption compared to larger banks
Opportunities
- Expansion within the Pacific Northwest region
- Increased demand for community banking services
- Potential for strategic acquisitions
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Rising interest rates affecting profitability
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- UMPQ
- COLB
- WAFD
Competitive Landscape
Riverview Bancorp competes with larger regional and national banks, as well as smaller community banks. Its advantages include local knowledge and personalized service.
Major Acquisitions
Oregon Coast Bancorp
- Year: 2015
- Acquisition Price (USD millions): 24.6
- Strategic Rationale: Expanded Riverview's presence into the Oregon market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and strategic acquisitions.
Future Projections: Future projections are dependent on market conditions and company-specific initiatives. Analyst estimates are not available.
Recent Initiatives: Recent initiatives include investments in technology and expansion of lending services.
Summary
Riverview Bancorp is a community-focused bank with a strong presence in the Pacific Northwest. Its strengths include local market knowledge and personalized service, but it faces competition from larger banks and fintech companies. The company needs to carefully manage interest rate risk and adapt to changing technological landscapes to maintain its growth trajectory and profitability.
Similar Companies
COLB
Columbia Banking System Inc
COLB
Columbia Banking System Inc
WAFD
Washington Federal Inc
WAFD
Washington Federal Inc
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Yahoo Finance
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Riverview Bancorp Inc
Exchange NASDAQ | Headquaters Vancouver, WA, United States | ||
IPO Launch date 1993-08-13 | President, CEO & Director Ms. Nicole B. Sherman | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 226 | Website https://www.riverviewbank.com |
Full time employees 226 | Website https://www.riverviewbank.com | ||
Riverview Bancorp, Inc. operates as a bank holding company for Riverview Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. The company offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. It provides commercial business, commercial and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, it is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington, as well as Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
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