Start here if you're new
what it is
Riverview is a 17-branch community bank around Portland-Vancouver that makes money from loans, deposits, and fee services.
how it gets paid
Last year Riverview Bancorp made $59M in revenue.
why it's growing
Revenue grew 306.8% last year. EDGAR data shows latest-quarter revenue of $47M, up 193% vs. prior year, and EPS of $0.18, up 157%.
what just happened
The latest data set says revenue hit $47M and EPS reached $0.18, but the sources disagree on what the last quarter actually was.
At a glance
B balance sheet — gets the job done, barely
35/100 earnings predictability — expect surprises
23.3x trailing p/e — priced about right
1.5% dividend yield — cash in your pocket every quarter
$0.23 fy2024 eps est
xvary composite: 45/100 — below average
What they do
Riverview is a 17-branch community bank around Portland-Vancouver that makes money from loans, deposits, and fee services.
This is a local relationship bank, not a national machine. It has 17 branches, 3 lending centers, and 238 employees in one market, which means your banker is selling familiarity, not scale. That helps keep deposits sticky, but sticky deposits only matter if profits recover from $0.83 a share in fiscal 2023 to just $0.23 in fiscal 2025.
How they make money
$59M
annual revenue · their business grew +306.8% last year
total revenue
$59M
+306.8%
The products that matter
lending and deposits
Commercial & Consumer Banking
$46M net interest income
this is the engine. the bank generated $46M of net interest income, and the whole company produced only $1.4M in net income last quarter. small changes in loan yields or deposit costs hit your equity story fast.
78% of revenue shown
fee-based services
Wealth Management & Other Fees
$13M non-interest income
this bucket is 22% of the revenue shown here, or $13M against $46M from spread income. it helps diversify the model, but it is nowhere near large enough to change the investment case on its own.
22% of revenue shown
Key numbers
23.3x
trailing p/e
P/E → price-to-earnings → what you pay for each dollar of profit. You are paying a full multiple for a bank with depressed earnings.
$0.23
fy2025 eps
EPS → earnings per share → your slice of profit. Riverview earned $0.23 after earning $0.83 in fiscal 2023, which is the whole argument in one number.
21%
debt to capital
Debt to capital → leverage mix → how much borrowed money sits in the structure. At 21%, leverage looks manageable for a tiny bank.
1.5%
dividend yield
Dividend yield → cash paid back to you → what you get while waiting. A 1.5% yield is not enough to hide if earnings stall.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 4 — safer than 20% of stocks
- price stability 65 / 100
- long-term debt $29M (21% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for RVSB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest data set says revenue hit $47M and EPS reached $0.18, but the sources disagree on what the last quarter actually was.
EDGAR data shows latest-quarter revenue of $47M, up 193% vs. prior year, and EPS of $0.18, up 157%. But Yahoo consensus lists the last earnings print at $0.05, and Value Line's latest quarterly history for fiscal 2025 also shows $0.05, so you should treat the quarterly snapshot with caution.
$47M
revenue
$0.18
eps
+193%
vs. last year revenue growth
the number that mattered
$0.23 for the full fiscal year matters more than any one quarter, because it shows profits are still far below the $0.83 earned in fiscal 2023.
source: company earnings report, 2026
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What could go wrong
the #1 risk is multiple compression back toward the 14.4x peer-bank average.
med
premium valuation without premium growth
RVSB trades at 22.2x earnings versus 14.4x for peer banks. That 54% gap is the whole problem. If the market stops giving the bank extra credit, the stock does not need a crisis to re-rate lower.
the valuation gap is 54%. the earnings gap is not in the company's favor.
med
expense pressure on a small profit base
Quarterly net income was $1.4M. Nine-month net income was $3.7M. When profit is that thin, elevated costs matter fast because there is not much buffer to absorb them.
a few bad expense lines hit a $3.7M profit base harder than they would at a larger bank.
med
modest dividend, limited protection
A 1.5% yield sounds fine until you notice it costs about $1.6M a year against $3.7M of nine-month net income. The payout is support, not a shield.
43% of recent net income is already spoken for by the dividend.
At 22.2x earnings against $3.7M of nine-month profit, RVSB is priced for cleaner execution than the recent numbers show.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q4 FY2026 report
You need to see whether quarterly profit moves above the recent $0.07 per-share pace and whether management gets costs under control.
valuation
the 22.2x vs 14.4x gap
If RVSB keeps trading far above peer-bank multiples without better profit growth, you are depending on sentiment more than fundamentals.
costs
expense pressure
The last quarter already showed elevated costs. On $1.4M of quarterly net income, that is enough to move the whole thesis.
income mix
spread income versus fees
Net interest income is 78% of the revenue shown here. If fee income stays at only 22%, this stays a rate-sensitive community bank story.
Analyst rankings
earnings predictability
35 / 100
in human-speak, analysts do not see this as a smooth earnings story
risk rank
4
that puts the stock on the riskier side of the market despite the bank label
source: institutional data
Institutional activity
institutional ownership data for RVSB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$5
current price
n/a
target midpoint · n/a from current
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