RVSB Valuation

Riverview Bancorp Inc

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5.180

+0.01(0.193%)1D

RVSB Relative Valuation

RVSB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, RVSB is overvalued; if below, it's undervalued.

Historical Valuation

Riverview Bancorp Inc (RVSB) is now in the Fair zone, suggesting that its current forward PE ratio of 19.19 is considered Fairly compared with the five-year average of 15.47. The fair price of Riverview Bancorp Inc (RVSB) is between 2.27 to 5.58 according to relative valuation methord.

Relative Value

Fair Zone

2.27-5.58

Current Price：5.18

Fair

19.19

Trailing

Forward

0.00

EV/EBITDA

Riverview Bancorp Inc. (RVSB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Riverview Bancorp Inc. (RVSB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

5.18

Riverview Bancorp Inc. (RVSB) has a current PS of 5.18. The 5-year average PS is 2.30. The thresholds are as follows: Strongly Undervalued below 1.59, Undervalued between 1.59 and 1.94, Fairly Valued between 2.66 and 1.94, Overvalued between 2.66 and 3.01, and Strongly Overvalued above 3.01. The current Forward PS of 5.18 falls within the Strongly Overvalued range.

0.00

P/OCF

Riverview Bancorp Inc. (RVSB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Riverview Bancorp Inc. (RVSB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Riverview Bancorp Inc (RVSB) has a current Price-to-Book (P/B) ratio of 0.66. Compared to its 3-year average P/B ratio of 0.74 , the current P/B ratio is approximately -9.98% higher. Relative to its 5-year average P/B ratio of 0.83, the current P/B ratio is about -20.56% higher. Riverview Bancorp Inc (RVSB) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 6.05%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 7.59% , the current FCF yield is about -100.00% lower.

0.66

P/B

Median3y

0.74

Median5y

0.83

0.00

FCF Yield

Median3y

6.05

Median5y

7.59

Competitors Valuation Multiple

The average P/S ratio for RVSB's competitors is 13.21, providing a benchmark for relative valuation. Riverview Bancorp Inc Corp (RVSB) exhibits a P/S ratio of 5.18, which is -60.79% above the industry average. Given its robust revenue growth of 8.68%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

RVSB.O

Riverview Bancorp Inc

Bogota Financial Corp

Provident Financial Holdings Inc

Lake Shore Bancorp Inc

Affinity Bancshares Inc

18.91

4.79%

117.09M

Performance Decomposition

Market capitalization of RVSB decreased by 6.84% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 19.69 to 23.55.

The secondary factor is the Revenue Growth, contributed 8.68%to the performance.

Overall, the performance of RVSB in the past 1 year is driven by P/E Change. Which is more unsustainable.

8.68%

12.18M → 13.24M

Revenue Growth

-35.11%

12.79 → 8.30

Margin Expansion

19.59%

19.69 → 23.55

P/E Change

-6.84%