Riverview Bancorp (RVSB)


Market Price (11/6/2026): $6.14 | Market Cap: $121.2 MilSector: Financials | Industry: Regional Banks

Riverview Bancorp (RVSB)


Market Price (11/6/2026): $6.14
Market Cap: $121.2 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%

Attractive yield
FCF Yield is 11%

Low stock price volatility
Vol 12M is 24%

Megatrend and thematic drivers
Megatrends include Regional & Community Banking, Digitalization of Traditional Banking, and Small Business & Local Economy Support. Themes include Local Financial Services, Show more.

Trading close to highs
Dist 52W High is -0.2%, Dist 3Y High is -2.3%

Weak multi-year price returns
2Y Excs Rtn is -1.8%, 3Y Excs Rtn is -62%

Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -13%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -9.0%

Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -5.9%

Key risks
RVSB key risks include [1] a significant lending concentration, Show more.

0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -46%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 33%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 31%
2 Attractive yield
FCF Yield is 11%
3 Low stock price volatility
Vol 12M is 24%
4 Megatrend and thematic drivers
Megatrends include Regional & Community Banking, Digitalization of Traditional Banking, and Small Business & Local Economy Support. Themes include Local Financial Services, Show more.
5 Trading close to highs
Dist 52W High is -0.2%, Dist 3Y High is -2.3%
6 Weak multi-year price returns
2Y Excs Rtn is -1.8%, 3Y Excs Rtn is -62%
7 Weak revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is -13%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -9.0%
8 Yield minus risk free rate is negative
ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -5.9%
9 Key risks
RVSB key risks include [1] a significant lending concentration, Show more.

RVSB in ETFs

Weight = RVSB's share of each fund

VTI0.00%
DFAS0.00%
AVUV0.00%
DFAC0.00%

Valuation & Metrics

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Updated on 11/1/2026

Riverview Bancorp (RVSB) stock has gained about 15% since 7/31/2026 because of the following key factors:

1. Riverview Bancorp reported robust fiscal Q2 2027 earnings that significantly exceeded analyst expectations. The company announced an Earnings Per Share (EPS) of $0.10, surpassing the consensus estimate of $0.07 by $0.03, representing a 42.9% beat. Additionally, quarterly revenue reached $15.45 million, exceeding analysts' expectations of $15.10 million by 2.3%. These strong results for the fiscal quarter ending September 30, 2026, were reported on October 27, 2026.

2. The company initiated a $4.0 million stock repurchase program. This program was announced on August 26, 2026, signaling management's confidence in the company's valuation and a commitment to returning capital to shareholders, which can provide support for the stock price.

Show more
Updated on 11/1/2026

Riverview Bancorp (RVSB) stock has gained about 15% since 7/31/2026 because of the following key factors:

1. Riverview Bancorp reported robust fiscal Q2 2027 earnings that significantly exceeded analyst expectations. The company announced an Earnings Per Share (EPS) of $0.10, surpassing the consensus estimate of $0.07 by $0.03, representing a 42.9% beat. Additionally, quarterly revenue reached $15.45 million, exceeding analysts' expectations of $15.10 million by 2.3%. These strong results for the fiscal quarter ending September 30, 2026, were reported on October 27, 2026.

2. The company initiated a $4.0 million stock repurchase program. This program was announced on August 26, 2026, signaling management's confidence in the company's valuation and a commitment to returning capital to shareholders, which can provide support for the stock price.

3. Key technical indicators generated bullish signals, contributing to positive market sentiment. Specifically, the 50-day moving average for RVSB crossed above its 200-day moving average on September 24, 2026, a classic long-term bullish signal. Furthermore, the Momentum Indicator moved above the 0 level on October 16, 2026, which historically has preceded further stock price appreciation in 62% of similar instances.

4. Riverview Bancorp declared its 47th consecutive quarterly cash dividend. On September 28, 2026, the company declared a cash dividend of $0.02 per share, reflecting consistent financial stability and a commitment to providing returns to shareholders.

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Stock Movement Drivers

Fundamental Drivers

The 15.9% change in RVSB stock from 7/31/2026 to 11/5/2026 was primarily driven by a 9.7% change in the company's P/S Multiple.
(LTM values as of)731202611052026Change
Stock Price ($)5.286.1215.9%
Change Contribution By: 
Total Revenues ($ Mil)43454.1%
P/S Multiple2.52.89.7%
Shares Outstanding (Mil)21201.5%
Cumulative Contribution15.9%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2026 to 11/5/2026
ReturnCorrelation
RVSB15.9% 
Market (SPY)-1.9%10.3%
Sector (XLF)1.0%12.7%

Fundamental Drivers

The 19.0% change in RVSB stock from 4/30/2026 to 11/5/2026 was primarily driven by a 40.2% change in the company's P/S Multiple.
(LTM values as of)430202611052026Change
Stock Price ($)5.146.1219.0%
Change Contribution By: 
Total Revenues ($ Mil)5445-16.7%
P/S Multiple2.02.840.2%
Shares Outstanding (Mil)21201.9%
Cumulative Contribution19.0%

LTM = Last Twelve Months as of date shown

Market Drivers

4/30/2026 to 11/5/2026
ReturnCorrelation
RVSB19.0% 
Market (SPY)2.3%-4.4%
Sector (XLF)10.7%8.5%

Fundamental Drivers

The 19.9% change in RVSB stock from 10/31/2025 to 11/5/2026 was primarily driven by a 34.2% change in the company's P/S Multiple.
(LTM values as of)1031202511052026Change
Stock Price ($)5.106.1219.9%
Change Contribution By: 
Total Revenues ($ Mil)5245-13.3%
P/S Multiple2.12.834.2%
Shares Outstanding (Mil)21203.0%
Cumulative Contribution19.9%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 11/5/2026
ReturnCorrelation
RVSB19.9% 
Market (SPY)8.4%6.7%
Sector (XLF)11.1%22.5%

Fundamental Drivers

The 21.6% change in RVSB stock from 10/31/2023 to 11/5/2026 was primarily driven by a 61.2% change in the company's P/S Multiple.
(LTM values as of)1031202311052026Change
Stock Price ($)5.036.1221.6%
Change Contribution By: 
Total Revenues ($ Mil)6245-27.3%
P/S Multiple1.72.861.2%
Shares Outstanding (Mil)21203.7%
Cumulative Contribution21.6%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2023 to 11/5/2026
ReturnCorrelation
RVSB21.6% 
Market (SPY)81.3%21.2%
Sector (XLF)85.5%31.8%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
RVSB Return51%3%-13%-7%-11%24%38%
Peers Return25%6%4%16%3%21%98%
S&P 500 Return27%-19%24%23%16%12%105%

Monthly Win Rates [3]
RVSB Win Rate67%42%42%58%42%64% 
Peers Win Rate58%43%50%55%48%64% 
S&P 500 Win Rate75%42%67%75%67%45% 

Max Drawdowns [4]
RVSB Max Drawdown-14%-23%-47%-42%-24%-16% 
Peers Max Drawdown-18%-23%-31%-21%-18%-13% 
S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 


[1] Cumulative total returns since the beginning of 2021
[2] Peers: COLB, TSBK, FSBW, SFBC, PLBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)

How Low Can It Go

EventRVSBS&P 500
2022 Inflation Shock & Fed Tightening
  % Loss-21.1%-24.5%
  % Gain to Breakeven26.7%32.4%
  Time to Breakeven39 days427 days
2020 COVID-19 Crash
  % Loss-42.1%-33.7%
  % Gain to Breakeven72.6%50.9%
  Time to Breakeven335 days140 days
Q4 2018 Fed Policy Error / Growth Scare
  % Loss-18.9%-19.2%
  % Gain to Breakeven23.3%23.8%
  Time to Breakeven211 days105 days
2013 Taper Tantrum
  % Loss-14.3%-0.2%
  % Gain to Breakeven16.7%0.2%
  Time to Breakeven30 days1 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-27.6%-17.9%
  % Gain to Breakeven38.2%21.8%
  Time to Breakeven844 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-47.5%-15.4%
  % Gain to Breakeven90.5%18.2%
  Time to Breakeven1429 days125 days

Compare to COLB, TSBK, FSBW, SFBC, PLBC

In The Past

Riverview Bancorp's stock fell -3.1% during the 2025 US Tariff Shock. Such a loss loss requires a 3.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

EventRVSBS&P 500
2022 Inflation Shock & Fed Tightening
  % Loss-21.1%-24.5%
  % Gain to Breakeven26.7%32.4%
  Time to Breakeven39 days427 days
2020 COVID-19 Crash
  % Loss-42.1%-33.7%
  % Gain to Breakeven72.6%50.9%
  Time to Breakeven335 days140 days
2011 US Debt Ceiling Crisis & European Contagion
  % Loss-27.6%-17.9%
  % Gain to Breakeven38.2%21.8%
  Time to Breakeven844 days123 days
2010 Eurozone Sovereign Debt Crisis / Flash Crash
  % Loss-47.5%-15.4%
  % Gain to Breakeven90.5%18.2%
  Time to Breakeven1429 days125 days

Compare to COLB, TSBK, FSBW, SFBC, PLBC

In The Past

Riverview Bancorp's stock fell -3.1% during the 2025 US Tariff Shock. Such a loss loss requires a 3.2% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About Riverview Bancorp (RVSB)

Riverview Bancorp, Inc. (RVSB) is a financial holding company that operates Riverview Community Bank, a community-focused commercial bank. Established in 1923, the company provides a comprehensive suite of banking and financial services designed for both individuals and businesses within its target markets. Essentially, RVSB acts as a traditional bank, taking deposits and issuing various types of loans, while also offering specialized financial services.

The company's main products and services encompass a full range of deposit accounts, including checking, savings, money market, and certificates of deposit, along with retirement savings plans. On the lending side, Riverview provides commercial business loans, various real estate loans (commercial, residential, multi-family, land, and construction), and consumer loans such as mortgages and home equity lines of credit. Beyond core banking, it also offers mortgage brokerage and loan servicing, alongside asset management services that include trust, estate planning, and investment management.

Riverview Bancorp primarily serves small and medium-sized businesses, professionals, and individuals focused on building wealth. Its operations are concentrated regionally, with 17 branch offices spread across specific communities in southwest Washington and northwest Oregon. Key locations include Vancouver, Washington, and Portland, Oregon, indicating a strategic focus on local community banking within these Pacific Northwest markets.

AI Analysis | Feedback

Here are 1-3 brief analogies for Riverview Bancorp (RVSB):

  • Think of it as a **Bank of America** for local businesses and communities in the Pacific Northwest.

  • It's like a regional **Wells Fargo** for individuals and small businesses in its Washington and Oregon communities.

  • Consider it **U.S. Bank**, but with a Main Street focus for specific towns and cities in the Pacific Northwest.

AI Analysis | Feedback

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  • Deposit Accounts: Offers various accounts for individuals and businesses to save and manage funds, including checking, savings, money market, and certificates of deposit.
  • Commercial and Real Estate Loans: Provides financing for commercial businesses, commercial and residential real estate, multi-family properties, land, and construction projects.
  • Consumer Loans: Offers a range of personal lending options, including one-to-four family mortgage loans, home equity lines of credit, and other secured and unsecured consumer loans.
  • Mortgage Services: Engages in mortgage brokerage activities and provides servicing for mortgage loans.
  • Asset Management Services: Delivers services such as trust administration, estate planning, and investment management.
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AI Analysis | Feedback

Riverview Bancorp (RVSB) primarily serves the following categories of customers:

  • Small and medium size businesses: The company provides commercial banking services, including demand deposits, various savings accounts, and a range of commercial loans such as commercial business, commercial and residential real estate, multi-family real estate, land, and real estate construction loans.
  • Professionals: Riverview Bancorp offers commercial banking services tailored to professionals, which may include specialized deposit products, business lending, and financial management solutions.
  • Wealth building individuals: This category of customers is served with a variety of financial products and services, including deposit accounts, retirement savings plans, consumer loans (one-to-four family mortgage loans, home equity lines of credit), mortgage brokerage, and asset management services like trust, estate planning, and investment management.

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Nicole Sherman, President and Chief Executive Officer

Nicole Sherman was appointed President and Chief Executive Officer of Riverview Bancorp, Inc. and Riverview Bank, effective July 1, 2024. Prior to joining Riverview, Ms. Sherman served as Chief Operating Officer for Utah First Credit Union from January 2024 to June 2024. From 2020 to 2023, she was the Chief Operating Officer at Numerica Credit Union. Before that, she worked at Columbia Bank from 2011 to 2020, holding various positions, including Executive Vice President, Head of Retail Banking, Digital Integration, and Small Business Lending. Her expertise spans Retail and Digital Banking, Commercial and Business Banking, Wealth Management, Corporate Marketing and Communications, and mergers and acquisitions.

David Lam, Executive Vice President and Chief Financial Officer

David Lam serves as the Executive Vice President and Chief Financial Officer for Riverview Bancorp, Inc. and Riverview Community Bank. His previous experience includes roles as Staff Accountant at Hansen Hunter & Co, Audit Manager at Symonds, Evans & Company, P.C., and Senior Vice President/Controller at Riverview Bancorp Inc. Mr. Lam is a member of the Oregon Society of Certified Public Accountants and the AICPA.

Daniel Cox, Executive Vice President and Chief Operating Officer

Daniel Cox is the Executive Vice President and Chief Operating Officer. He previously served as acting president and CEO. Mr. Cox has been with Riverview for 21 years, specializing in finance and credit administration. He is responsible for leading the bank's commercial credit and collection policies, procedures, and processes, and also works closely with investor relations. He holds a bachelor's degree in finance from Washington State University and is an honor roll alumnus of the Pacific Coast Banking School.

Graham Clancy, Senior Vice President and Director of Finance

Graham Clancy joined Riverview Bancorp in August 2025 as Senior Vice President and Director of Finance. He brings over 14 years of experience in finance, accounting, budgeting, forecasting, and asset and liability management within the banking industry. Prior to Riverview, he served as Vice President, Senior Finance Officer at Heritage Bank and spent over a decade at Umpqua Bank.

Phung Le, Senior Vice President and Controller

Phung Le was promoted to Senior Vice President and Controller in August 2025. She has more than 10 years of experience in accounting with financial institutions. Ms. Le joined Riverview in 2019 and previously held the title of Vice President and Assistant Controller, where she was responsible for daily accounting operations and ensuring compliance with regulations and internal policies.

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AI Analysis | Feedback

The key risks to Riverview Bancorp (RVSB) are:

  1. Interest Rate Volatility and Net Interest Margin (NIM) Compression: Riverview Bancorp, as a banking institution, is highly susceptible to fluctuations in interest rates. Continued interest rate volatility can squeeze net interest margins, directly impacting the bank's profitability. While an asset-sensitive balance sheet might benefit from rising rates, a decrease in rates or prolonged volatility could compress the company's net interest margin and undermine future performance.
  2. Increased Regulatory and Technology Compliance Burden: Riverview Bancorp faces significant challenges from increasing regulatory scrutiny and the rising costs associated with compliance. This includes heightened focus on Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) compliance, as well as potential new capital requirements (like Basel III Endgame) which could affect its capacity for loan growth. Additionally, the bank faces a substantial, non-revenue-generating cost for necessary infrastructure upgrades and cybersecurity spending, which can significantly impact profitability and require considerable capital allocation.
  3. Credit Risk from Commercial Real Estate (CRE) Exposure and Economic Downturns: A substantial portion of Riverview Bancorp's loan portfolio is secured by real estate, including commercial properties. A slowdown in the commercial real estate market, particularly in its primary operating region of the Pacific Northwest, could lead to increased loan loss reserves and higher credit risk. A broader economic slowdown or prolonged recession could also result in increased nonperforming assets and net charge-offs, negatively affecting the bank's net interest income and overall financial stability.

AI Analysis | Feedback

The clear emerging threat to Riverview Bancorp is the ongoing disruption from financial technology (fintech) companies and digital-only banks (neobanks). These entities leverage technology to offer a range of banking, lending, and asset management services, often with lower overhead, greater convenience, and more competitive pricing than traditional branch-based banks. This threatens Riverview Bancorp's ability to attract and retain deposit customers, originate various types of loans (commercial, real estate, consumer), and provide asset management services (trust, estate planning, investment management) as customers increasingly opt for digital-first solutions over physical branch interactions.

AI Analysis | Feedback

Riverview Bancorp (RVSB) operates in Washington and Oregon, offering a range of commercial banking services, deposit products, various loans, mortgage brokerage, and asset management services. The addressable market sizes for their main products and services in their operating regions are as follows:

  • Commercial Banking Services:
    • Washington State: The Commercial Banking industry market size is $17.7 billion in 2026.
    • Oregon State: The Commercial Banking industry market size is $9.3 billion in 2026.
  • Deposit Products:
    • Washington State: Total banking assets for state-chartered banks were $98.33 billion as of December 31, 2023.
    • Oregon State: Null
  • Loan Products:
    • Commercial Business Loans to Small and Medium Businesses:
      • Washington State: There are over 647,000 small businesses.
      • Oregon State: There are nearly 400,000 small businesses.
    • Commercial Real Estate Loans:
      • Washington State: Null (however, the Washington real estate market offers investment property loans, conventional loans, and private money loans)
      • Oregon State: The Real Estate Loans & Collateralized Debt industry in Oregon has shown an average annual growth rate of 9.3% from 2020 to 2025.
    • Residential Real Estate Loans (including one-to-four family mortgage loans, multi-family real estate, land, and real estate construction loans):
      • Washington State: The median home sales price was $647,600 in July 2025.
      • Oregon State: The total mortgage originations for Oregon were $17.85 billion in Q1 2025. The median home sale price was $481,000 as of February 2023.
    • Home Equity Lines of Credit (HELOCs):
      • Washington State: HELOCs typically allow borrowing up to 75% to 85% of home equity. Loan amounts from $10,000 to $500,000 are available, up to 80% loan-to-value.
      • Oregon State: HELOCs typically allow borrowing up to 75% to 85% of home equity. Some institutions offer HELOCs up to $400,000, accessing up to 90% of available equity. Borrowers may access up to 95% loan-to-value.
    • Other Secured and Unsecured Consumer Loans:
      • Washington State: Null
      • Oregon State: Null
  • Mortgage Brokerage and Mortgage Loan Servicing Activities:
    • Washington State: Null
    • Oregon State: The mortgage origination volume for Oregon was $17.85 billion in Q1 2025.
  • Asset Management Services (trust, estate planning, and investment management):
    • Washington State: Total trust assets under management for state-chartered banks were $54.14 billion as of December 31, 2023.
    • Oregon State: Null

AI Analysis | Feedback

Riverview Bancorp (NASDAQ: RVSB) is expected to drive future revenue growth over the next two to three years through several key strategies and market dynamics:

  1. Net Interest Income Growth through Strong Loan Demand and Favorable Interest Rate Environment: Riverview Bancorp has demonstrated an increase in net interest income, with a notable 11.7% rise in Q3 2026 compared to the previous year, primarily driven by strong loan demand and rising interest rates. The company's net interest margin (NIM) also improved to 2.78% in Q1 2026, a 31 basis-point increase from Q1 2025, as higher asset yields outpaced increases in interest-bearing liabilities. Riverview Bancorp's asset-sensitive balance sheet positions it to benefit from increasing interest rates, which positively impact its net interest income.

  2. Expansion of Market Share within Key Geographic Regions: The company is focused on sustaining strong financial performance through market share expansion. Riverview Bancorp maintains a strategic focus on its primary market areas in Southwest Washington and Northwest Oregon, where it has noted continued loan demand and growth.

  3. Operational Optimization and Digital Transformation Initiatives: Riverview Bancorp is implementing ongoing operational optimization to sustain strong financial performance. The company began a three-year strategic plan in Q1 2026 that emphasizes sustainable growth, the expansion of digital capabilities, and leveraging data for strategic business decisions. These digital platform investments and a focus on community-oriented banking are aimed at driving profitable growth.

  4. Growth in Commercial and Business Banking, Including Treasury Management: The company's strategy includes an emphasis on commercial and business banking expansion, alongside treasury management services. This focus aims to attract and retain customers through a diversified range of products and services, further supporting financial growth potential.

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Share Repurchases

  • On January 22, 2026, Riverview Bancorp's Board of Directors authorized a new stock repurchase program for up to $4.0 million of its outstanding common shares.
  • In April 2025, the company adopted a $2.0 million stock repurchase plan.
  • In March 2022, Riverview Bancorp adopted a share repurchase program authorizing up to $5 million of its outstanding shares.

Inbound Investments

  • As of March 2026, Riverview Bancorp has 173 institutional owners and shareholders, holding a total of 17,578,844 shares.
  • David Nierenberg's firm, a significant institutional investor, increased its stake in Riverview Bancorp by adding 275,508 shares in March 2025, bringing its total holding to 1,561,930 shares.
  • In November 2024, David Nierenberg's firm further increased its position by adding 288,957 shares.

Capital Expenditures

  • In the last 12 months, Riverview Bancorp's capital expenditures amounted to -$791,000.

Peer Outperformance in Regional Banks

RVSB has trailed 91% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that RVSB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
14%
of 281 industry peers · 12.1% return
3Y
5%
of 273 industry peers · 13.5% return
5Y
9%
of 262 industry peers · -9.3% return
No Regional Banks peer with a comparable growth profile has beaten RVSB by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is RVSB's own industry. Use this to see which corners of the sector have carried the returns.
Industry Names 1Y med3Y med5Y med Top 3 by 5Y
Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

Latest Trefis Analyses

TitleDate
0DASHBOARDS 
1How Low Can Riverview Bancorp Stock Really Go?10/17/2025
Title
0ARTICLES

Recent Active Movers

Peer Comparisons

Peers to compare with:

Financials

RVSBCOLBTSBKFSBWSFBCPLBCMedian
NameRivervie.Columbia.Timberla.FS Banco.Sound Fi.Plumas B. 
Mkt Price6.1430.4347.7343.9145.0763.8544.49
Mkt Cap0.18.70.40.30.10.40.3
Rev LTM452,639831534010996
Op Inc LTM-------
FCF LTM141,264299874235
FCF 3Y Avg6846266552927
CFO LTM151,3063111884237
CFO 3Y Avg9879277362928

Growth & Margins

RVSBCOLBTSBKFSBWSFBCPLBCMedian
NameRivervie.Columbia.Timberla.FS Banco.Sound Fi.Plumas B. 
Rev Chg LTM-13.3%33.1%10.1%0.5%5.9%19.8%8.0%
Rev Chg 3Y Avg-9.0%18.8%3.6%4.6%-0.9%14.9%4.1%
Rev Chg Q13.2%30.3%7.0%3.7%6.1%6.3%6.7%
QoQ Delta Rev Chg LTM4.1%6.2%1.7%0.9%1.6%1.6%1.6%
Op Inc Chg LTM-------
Op Inc Chg 3Y Avg-------
Op Mgn LTM-------
Op Mgn 3Y Avg-------
QoQ Delta Op Mgn LTM-------
CFO/Rev LTM32.9%49.5%37.7%77.1%18.7%38.9%38.3%
CFO/Rev 3Y Avg18.8%38.8%35.7%49.5%14.8%34.0%34.8%
FCF/Rev LTM31.0%47.9%35.0%64.3%18.2%38.3%36.7%
FCF/Rev 3Y Avg13.9%37.3%33.5%44.3%12.7%32.9%33.2%

Valuation

RVSBCOLBTSBKFSBWSFBCPLBCMedian
NameRivervie.Columbia.Timberla.FS Banco.Sound Fi.Plumas B. 
Mkt Cap0.18.70.40.30.10.40.3
P/S2.83.34.52.12.94.13.1
P/Op Inc-------
P/EBIT-------
P/E-32.312.211.89.714.410.611.2
P/CFO8.56.711.92.715.310.59.5
Total Yield-1.8%12.8%10.8%13.7%8.8%11.7%11.3%
Dividend Yield1.3%4.6%2.4%3.2%1.8%2.1%2.2%
FCF Yield 3Y Avg6.2%13.0%9.7%20.5%4.4%8.8%9.2%
D/E0.40.50.01.20.10.10.2
Net D/E-0.50.3-0.70.6-1.0-1.0-0.6

Returns

RVSBCOLBTSBKFSBWSFBCPLBCMedian
NameRivervie.Columbia.Timberla.FS Banco.Sound Fi.Plumas B. 
1M Rtn5.1%5.3%4.6%-0.5%4.7%4.0%4.6%
3M Rtn13.2%-0.8%5.1%2.2%-3.2%4.5%3.3%
6M Rtn13.5%5.5%16.8%7.0%7.7%24.2%10.6%
12M Rtn12.5%20.6%48.0%18.9%2.0%57.6%19.8%
3Y Rtn13.9%69.0%78.2%65.9%29.3%102.7%67.4%
1M Excs Rtn6.8%9.1%7.8%1.0%4.8%6.1%6.4%
3M Excs Rtn15.8%-0.5%7.1%2.9%-2.2%5.0%3.9%
6M Excs Rtn8.7%0.7%12.0%2.2%2.9%19.3%5.8%
12M Excs Rtn4.0%7.3%37.7%3.5%-8.8%46.1%5.6%
3Y Excs Rtn-61.6%0.7%3.3%-17.4%-53.5%17.3%-8.4%

Comparison Analyses

null

Financials

Segment Financials

Revenue by Segment
$ Mil20262025202420232022
Single Segment4351486460
Total4351486460


Price Behavior

Price Behavior
Market Price$6.12 
Market Cap ($ Bil)0.1 
First Trading Date10/25/1993 
Distance from 52W High-0.2% 
   50 Days200 Days
DMA Price$5.79$5.47
DMA Trendupup
Distance from DMA5.7%11.9%
 3M1YR
Volatility17.4%24.0%
Downside Capture-37.1231.12
Upside Capture46.3445.24
Correlation (S&P 500)4.0%7.4%
RVSB Betas & Captures as of 10/31/2026

 1M2M3M6M1Y3Y
Beta-0.480.000.17-0.120.130.40
Up Beta-1.510.951.210.11-0.090.44
Down Beta-0.460.09-0.23-0.50-0.110.38
Up Capture-34%37%31%10%27%12%
Bmk +ve Days12182862130427
Stock +ve Days12263565124337
Down Capture-53%-91%-48%-31%25%65%
Bmk -ve Days10253664121325
Stock -ve Days8152448105329

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RVSB
RVSB17.3%24.0%0.60-
Sector ETF (XLF)11.1%15.2%0.4722.3%
Equity (SPY)9.5%13.6%0.417.5%
Gold (GLD)3.6%28.7%0.11-8.9%
Commodities (DBC)37.7%21.2%1.40-19.1%
Real Estate (VNQ)12.0%14.2%0.559.4%
Bitcoin (BTCUSD)-20.8%43.3%-0.421.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RVSB
RVSB-0.8%28.9%-0.02-
Sector ETF (XLF)9.1%18.4%0.3636.0%
Equity (SPY)11.3%17.3%0.4825.1%
Gold (GLD)17.5%19.1%0.74-2.4%
Commodities (DBC)8.0%19.6%0.292.6%
Real Estate (VNQ)1.2%18.9%-0.0524.7%
Bitcoin (BTCUSD)5.9%51.5%0.296.6%

Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
Annualized
Return
Annualized
Volatility
Sharpe
Ratio
Correlation
with RVSB
RVSB3.8%34.3%0.20-
Sector ETF (XLF)13.3%22.1%0.5454.8%
Equity (SPY)14.9%18.0%0.7042.3%
Gold (GLD)12.0%16.5%0.59-4.6%
Commodities (DBC)7.6%18.1%0.3313.4%
Real Estate (VNQ)5.7%20.7%0.2340.4%
Bitcoin (BTCUSD)61.3%66.2%1.018.5%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date10152026
Short Interest: Shares Quantity0.3 Mil
Short Interest: % Change Since 93020269.1%
Average Daily Volume0.1 Mil
Days-to-Cover Short Interest2.9 days
Basic Shares Quantity20.4 Mil
Short % of Basic Shares1.3%

Earnings Returns History

Updated 11/6/2026
Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/29/20261.5%3.4% 
7/29/20260.0%2.1%-2.1%
4/30/20261.7%5.2%6.6%
1/29/2026-0.8%3.5%3.3%
11/3/20251.9%4.8%-0.4%
8/4/20250.8%2.1%2.3%
4/30/20251.3%-2.7%-12.0%
2/4/20250.0%-3.0%-9.1%
...
SUMMARY STATS   
# Positive161715
# Negative989
Median Positive1.2%3.5%4.9%
Median Negative-1.9%-3.1%-6.2%
Max Positive4.7%16.1%35.8%
Max Negative-8.4%-10.6%-15.8%
Collapse to Preview
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
10/29/20261.5%3.4% 
7/29/20260.0%2.1%-2.1%
4/30/20261.7%5.2%6.6%
1/29/2026-0.8%3.5%3.3%
11/3/20251.9%4.8%-0.4%
8/4/20250.8%2.1%2.3%
4/30/20251.3%-2.7%-12.0%
2/4/20250.0%-3.0%-9.1%
10/29/2024-1.5%-0.2%19.4%
7/30/20242.0%0.2%3.3%
5/1/20244.5%11.6%13.6%
1/31/2024-1.3%-10.6%-15.8%
10/31/20230.0%7.1%11.8%
8/1/20230.4%-0.7%4.6%
5/1/2023-8.4%-10.2%-6.4%
1/31/20231.1%0.8%-6.1%
10/28/2022-1.9%0.7%10.8%
8/2/20222.2%1.7%2.3%
5/4/2022-3.7%-6.8%-6.2%
2/1/2022-3.2%1.9%1.6%
11/1/2021-0.7%5.3%2.0%
8/2/20210.9%7.0%4.9%
5/4/2021-2.0%-3.1%-1.7%
2/1/20211.1%8.4%35.8%
11/3/20204.7%16.1%8.1%
SUMMARY STATS   
# Positive161715
# Negative989
Median Positive1.2%3.5%4.9%
Median Negative-1.9%-3.1%-6.2%
Max Positive4.7%16.1%35.8%
Max Negative-8.4%-10.6%-15.8%

SEC Filings

Expand for More
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202606/12/202610-K
12/31/202502/13/202610-Q
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202506/12/202510-K
12/31/202402/12/202510-Q
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202406/14/202410-K
12/31/202302/08/202410-Q
09/30/202311/09/202310-Q
06/30/202308/14/202310-Q
03/31/202306/14/202310-K
12/31/202202/07/202310-Q
09/30/202211/10/202210-Q
Collapse to Preview
Report DateFiling DateFiling
06/30/202608/14/202610-Q
03/31/202606/12/202610-K
12/31/202502/13/202610-Q
09/30/202511/07/202510-Q
06/30/202508/08/202510-Q
03/31/202506/12/202510-K
12/31/202402/12/202510-Q
09/30/202411/08/202410-Q
06/30/202408/08/202410-Q
03/31/202406/14/202410-K
12/31/202302/08/202410-Q
09/30/202311/09/202310-Q
06/30/202308/14/202310-Q
03/31/202306/14/202310-K
12/31/202202/07/202310-Q
09/30/202211/10/202210-Q
06/30/202208/12/202210-Q
03/31/202206/15/202210-K
12/31/202102/11/202210-Q
09/30/202111/12/202110-Q
06/30/202108/12/202110-Q
03/31/202106/21/202110-K
12/31/202002/11/202110-Q
09/30/202011/13/202010-Q
06/30/202008/14/202010-Q
03/31/202006/17/202010-K
12/31/201902/07/202010-Q
09/30/201911/07/201910-Q

Recent Forward Guidance

Updated 11/2/2026

Latest: Q2 2027 Earnings Reported 10/29/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2027 Loan Repricing and MaturitiesReported 47.20 Mil -46.3% LoweredGuidance: 87.90 Mil for 2027
2027 Loan Repricing and Maturities Weighted Average RateReported 0.05    
2027 Remaining Share Repurchase AuthorizationReported 3.30 Mil    
2028 Loan Repricing and MaturitiesReported 91.30 Mil -0.3% LoweredGuidance: 91.60 Mil for 2028
2028 Loan Repricing and Maturities Weighted Average RateReported 0.05    
2029 Loan Repricing and MaturitiesReported 108.30 Mil -0.6% LoweredGuidance: 109.00 Mil for 2029
2029 Loan Repricing and Maturities Weighted Average RateReported 0.06    


Prior: Q1 2027 Earnings Reported 7/29/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2027 Loan Repricing and MaturitiesReported 87.90 Mil    
2028 Loan Repricing and MaturitiesReported 91.60 Mil    
2029 Loan Repricing and MaturitiesReported 109.00 Mil    
2030 Loan Repricing and MaturitiesReported 121.00 Mil    

Q4 2026 Earnings Reported 4/30/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2027 Total Investment CashflowsReported 16.70 Mil    
2027 Net Interest Margin IncreaseReported 0.25%    
2027 EPS IncreaseReported 0.13    

Q3 2026 Earnings Reported 1/29/2026

Forward GuidanceGuidance Change
MetricSourceLowMidHigh% Chg% DeltaChangePrior
2026 Anticipated Investment CashflowsReported 35.90 Mil 13.2% RaisedGuidance: 31.70 Mil for 2026
2027 Loan Repricing and MaturitiesReported 80.60 Mil 5.8% RaisedGuidance: 76.20 Mil for 2027
2028 Loan Repricing and MaturitiesReported 93.60 Mil -1.3% LoweredGuidance: 94.80 Mil for 2028
2029 Loan Repricing and MaturitiesReported 157.00 Mil    

Insider Activity

Updated 11/5/2026
Expand for More
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Nies, Gerald LeeDirectSell110520266.1518,001110,710907,290Form
2Nies, Gerald LeeDirectSell110520266.1325,169154,3161,014,855Form
3Girod, Jon LouisDirectBuy110220266.042,00012,08030,200Form
4Lightheart, CharmaineEVP/CRDEODirectBuy91720265.6810056850,359Form
5Sherman, NicolePresident/CEODirectBuy91720265.691,76510,043947,283Form
Collapse to Preview
#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value
Value of
Held Shares
Form
1Nies, Gerald LeeDirectSell110520266.1518,001110,710907,290Form
2Nies, Gerald LeeDirectSell110520266.1325,169154,3161,014,855Form
3Girod, Jon LouisDirectBuy110220266.042,00012,08030,200Form
4Lightheart, CharmaineEVP/CRDEODirectBuy91720265.6810056850,359Form
5Sherman, NicolePresident/CEODirectBuy91720265.691,76510,043947,283Form
6Graham, StaceyDirectBuy91720265.701,7509,97562,129Form
7Wills, Bessie RossDirectBuy91620265.582,00011,170279,250Form
8Zamanizadeh, Kourosh NasserDirectBuy91420265.383,60019,35983,226Form
9Benke, RobertEVP/CCODirectBuy82420265.051,0005,050247,324Form
10Carlson, BradleyDirectBuy81820265.071,0005,070118,744Form
11Lam, DavidEVP/CFODirectBuy81820265.171,0005,170392,977Form
12Lightheart, CharmaineEVP/CRDEODirectBuy81220265.312501,32746,539Form
13Girod, Jon LouisDirectBuy80420265.411,0005,40816,222Form
14Girod, Jon LouisDirectBuy73120265.242,00010,47810,478Form
15Nierenberg, Investment Management Company, Llc By: Haredale Ltd.Sell72420265.295,00026,450419,963Form
16Nierenberg, Investment Management Company, Llc By: Haredale Ltd.Sell72420265.275,00026,350444,725Form
17Nierenberg, Investment Management Company, Llc By: Haredale Ltd.Sell72420265.255,00026,250469,287Form
18Lightheart, CharmaineEVP/CRDEODirectBuy60220265.5415083147,162Form
19Lightheart, CharmaineEVP/CRDEODirectBuy60220265.592614546,766Form
20Benke, RobertEVP/CCODirectBuy50820265.444,00021,760261,033Form
21Hoff, LarryDirectBuy50720265.211,92010,01373,114Form
22Cox, Daniel DEVP/COODirectBuy50420265.221,0005,220365,442Form
23Lightheart, CharmaineEVP/CRDEODirectBuy30920265.363251,74279,826Form
24Wills, Bessie RossDirectBuy22020265.393,00016,161258,572Form
25Sherman, NicolePresident/CEODirectBuy120920255.129754,992960,891Form
Core Cache Last Updated: 11/5/2026