Riverview Bancorp, Inc.
- Open
- 5.17
- Day high
- 5.22
- Day low
- 5.17
- Prev close
- 5.16
- Volume
- 29K
- Mkt cap
- $104M
- P/E (TTM)
- —
- EPS (TTM)
- —
- P/B
- 0.7
- P/S
- 1.7
- Yield
- 1.54%
- Per share
- $0.08
- ▲Insiders net buying $33K over the last 3 months (6 open-market buys, 0 sales)
- ◆Cluster buying — multiple insiders bought within days
- 🏛Institutions reducing (13F)
Riverview Bancorp, Inc. (RVSB) is a Financial Services company listed on NASDAQ. The stock is up 5% over the past year. Over the trailing 3 months, insiders filed 6 open-market buys and 0 sales (SEC Form 4).
Riverview Bancorp, Inc. (RVSB) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
RVSB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 28, 2026 | $0.07 | $0.08 | +14.3% | $15M | +1.4% |
| Apr 28, 2026 | $0.05 | $0.03 | -40.0% | $2M | -84.8% |
| Jan 27, 2026 | $0.04 | $0.07 | +75.0% | $14M | -0.4% |
| Jul 29, 2025 | $0.05 | $0.06 | +20.0% | $13M | -3.0% |
| Apr 29, 2025 | $0.03 | $0.05 | +66.7% | $13M | -0.8% |
| Jan 30, 2025 | $0.04 | $0.06 | +50.0% | $13M | +1.8% |
| Oct 24, 2024 | $0.04 | $0.07 | +75.0% | $13M | +5.3% |
| Jul 25, 2024 | $0.06 | $0.05 | -16.7% | $12M | +0.3% |
| Jun 14, 2024 | — | $-0.14 | — | $15M | — |
| Jan 25, 2024 | $0.10 | $0.07 | -30.7% | $12M | -6.5% |
| Oct 26, 2023 | $0.12 | $0.12 | -0.8% | $13M | -3.1% |
| Jul 27, 2023 | $0.13 | $0.13 | -0.8% | $14M | -2.3% |
RVSB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 24, 2026 | Benke Robertofficer: EVP/CCO | Buy | 1,000 | $5.05 |
| Aug 20, 2026 | Carlson Bradleydirector | Buy | 1,000 | $5.07 |
| Aug 18, 2026 | Lam Davidofficer: EVP/CFO | Buy | 1,000 | $5.17 |
| Aug 13, 2026 | Lightheart Charmaineofficer: EVP/CRDEO | Buy | 250 | $5.31 |
| Aug 5, 2026 | Girod Jon Louisdirector | Buy | 1,000 | $5.41 |
| Aug 3, 2026 | Girod Jon Louisdirector | Buy | 2,000 | $5.24 |
| Jun 2, 2026 | Lightheart Charmaineofficer: EVP/CRDEO | Buy | 26 | $5.59 |
| Jun 2, 2026 | Lightheart Charmaineofficer: EVP/CRDEO | Buy | 150 | $5.54 |
| May 11, 2026 | Benke Robertofficer: EVP/CCO | Buy | 4,000 | $5.44 |
| May 8, 2026 | Sherman Nicoledirector, officer: President/CEO | Buy | 1,800 | $5.49 |
| May 7, 2026 | Hoff Larrydirector | Buy | 1,920 | $5.21 |
| May 5, 2026 | Cox Daniel Dofficer: EVP/COO | Buy | 1,000 | $5.22 |
| Mar 9, 2026 | Lightheart Charmaineofficer: EVP/CRDEO | Buy | 325 | $5.36 |
| Feb 20, 2026 | Wills Bessie Rossdirector | Buy | 2,539 | $5.39 |
| Feb 20, 2026 | Wills Bessie Rossdirector | Buy | 200 | $5.37 |
Source: RVSB SEC Form 4 filings, latest Aug 24, 2026. For informational purposes only — not investment advice.
See the full RVSB insider & 13F page →Riverview Bancorp, Inc. company profile
Overview
Riverview Bancorp, Inc. (NASDAQ:RVSB) is a bank holding company founded in 1923 and headquartered in Vancouver, Washington. The company operates through its subsidiary, Riverview Community Bank, which provides traditional commercial banking services across the Pacific Northwest region. With nearly a century of operations, Riverview has established itself as a community-focused regional bank serving small and medium-sized businesses, professionals, and individual customers through 17 branch offices located in Washington and Oregon.
Business
Riverview Bancorp operates in the regional banking industry, providing traditional commercial banking services through its subsidiary Riverview Community Bank. The banking industry serves as a financial intermediary, accepting deposits from customers and lending those funds to borrowers while earning interest on the spread between what they pay depositors and what they charge borrowers. The company's core services include deposit products such as checking accounts (demand deposits), savings accounts, money market accounts, certificates of deposit, and retirement savings plans. These products allow customers to safely store their money while earning interest, with the bank using these deposits as a funding source for loans. On the lending side, Riverview offers commercial business loans to help businesses finance operations, equipment, and expansion. The bank also provides various types of real estate loans including commercial real estate financing, residential mortgages, multi-family property loans, land loans, and construction financing. Additionally, they offer consumer loans for automobiles, boats, recreational vehicles, and home equity lines of credit. Beyond traditional banking, Riverview provides mortgage brokerage services, helping customers secure home loans, and mortgage loan servicing, which involves collecting payments and managing existing mortgages. The company also offers asset management services including trust services, estate planning, and investment management for wealth-building individuals. The bank operates through 17 branch offices strategically located in communities across Washington (Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver) and Oregon (Portland, Gresham, Tualatin, and Aumsville), focusing on serving local businesses and residents in these markets.
Revenue model
Riverview Bancorp generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowed funds. This is the fundamental business model of banking - borrowing money at lower rates from depositors and lending it at higher rates to borrowers. The bank's paying customers include small and medium-sized businesses that need commercial loans, individuals and families seeking mortgages and consumer loans, and depositors who place their funds with the bank in exchange for interest payments and banking services. The company also generates non-interest income through fees for services such as mortgage brokerage, loan servicing, asset management, and various banking fees. Several factors can significantly impact Riverview's profitability margins. Interest rate environments are crucial - when rates rise, the bank can potentially earn more on new loans, but may also face higher funding costs and potential loan defaults. Credit quality directly affects margins, as loan losses reduce profitability. The bank's recent financial performance shows some volatility, with a loss in Q4 2024 of $2.97 million compared to profits in other quarters. Competition from larger banks and credit unions can pressure both deposit rates and loan pricing. Regulatory compliance costs continue to increase for regional banks, affecting operational efficiency. Economic conditions in the Pacific Northwest markets where Riverview operates directly impact loan demand and credit quality. The bank's focus on commercial real estate lending makes it particularly sensitive to local property market conditions and construction activity levels.
Competitive moat
Riverview Bancorp operates with a relatively limited economic moat typical of smaller regional banks. The company's primary competitive advantages stem from its local market presence and community relationships built over nearly a century of operations. Community banks often benefit from personal relationships with local business owners and residents who prefer dealing with local decision-makers rather than distant corporate headquarters. The bank's geographic concentration in specific Washington and Oregon markets provides some local market knowledge and customer relationship advantages, but this same concentration also creates vulnerability to regional economic downturns. Unlike larger banks with national diversification, Riverview's performance is closely tied to the economic health of the Pacific Northwest. However, the banking industry faces significant competitive pressures that limit moat strength. Larger banks can offer more competitive rates, broader product suites, and advanced digital banking platforms that smaller institutions struggle to match. Credit unions operate with tax advantages and can often offer better rates to members. Fintech companies are increasingly providing banking services with lower overhead costs and superior digital experiences. The regulatory environment also challenges smaller banks, as compliance costs represent a higher percentage of revenue compared to larger institutions. Interest rate volatility affects all banks, but smaller institutions typically have less sophisticated hedging capabilities. Riverview's modest scale limits its ability to invest heavily in technology infrastructure that customers increasingly expect from their financial institutions.
Risks & safety
Riverview Bancorp presents moderate financial stability with some concerning trends requiring attention. • Solvency and Cash Position: The bank maintains adequate cash reserves with $25.3 million in cash and short-term investments as of Q3 2025, though this represents a decrease from prior periods. Total assets of $1.51 billion provide reasonable scale. • Debt and Leverage: Debt-to-equity ratio of 0.72 as of Q3 2025 is manageable for a bank, though it has fluctuated significantly over recent quarters. The bank's leverage is within normal ranges for regional banks. • Profitability Volatility: Concerning earnings volatility with a $2.97 million loss in Q4 2024 followed by positive earnings in subsequent quarters. Net income has ranged from losses to $1.6 million quarterly profits. • Valuation Metrics: Price-to-book ratio of 0.76 suggests the stock trades below book value, potentially indicating market concerns about asset quality or future profitability. Price-to-earnings ratio of 24.5 based on recent earnings appears elevated given the earnings volatility. • Operational Cash Flow: Positive operating cash flow of $2.2 million in Q3 2025, though this has been inconsistent with negative $7.9 million in Q4 2024. • Other Considerations: The bank's concentration in Pacific Northwest markets creates geographic risk, and the commercial real estate lending focus adds cyclical exposure.
Recent development
Based on the available financial data, Riverview Bancorp has experienced significant operational volatility over the past few years. The company reported strong performance in fiscal 2022 and 2023, with net income of $21.8 million and $18.1 million respectively, demonstrating the bank's ability to generate substantial profits during favorable market conditions. However, the bank encountered challenges in 2024, particularly in Q4 when it reported a $2.97 million loss, representing a significant departure from its historical profitability. This loss appears to have been followed by a recovery, with the bank returning to profitability in subsequent quarters of 2025, earning $966,000, $1.56 million, and $1.23 million in Q1, Q2, and Q3 respectively. The revenue patterns show considerable quarterly variation, ranging from $9.0 million in Q4 2024 to $17.8 million in Q1 2025, suggesting either seasonal business patterns or one-time items affecting quarterly results. The bank's total assets have remained relatively stable around $1.5 billion, indicating steady balance sheet management despite earnings volatility. The company's cash position has varied significantly, from over $240 million in 2022 to current levels around $25 million, suggesting either changes in liquidity management strategy or deployment of excess cash into earning assets. Without detailed earnings call transcripts, the specific strategic initiatives and management explanations for these fluctuations are not available, but the financial patterns suggest the bank is navigating a challenging interest rate and credit environment typical of the regional banking sector.
RVSB company profile · for informational purposes only — not investment advice.
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