Riverview Bancorp Inc Common Stock (RVSB)

FairStock Score: 39/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

Riverview is a $120 million market-cap regional bank holding company, the kind of small, deposit-funded lender that Benjamin Graham might screen for if it traded below book. At the close on 2026-10-13, the shares were $6.02, or 0.83 times book value per FairStock's calculation, with a negative P/E of -31.68 and ROE of -2.52%. That discount is not automatically a bargain: in FY2026, the fiscal year ended 2026-03-31, Riverview reported net income of -$4.3 million and diluted EPS of -$0.21, a sharp reversal from FY2025's $4.9 million and $0.23, and FY2024's $3.8 million and $0.18. The main culprit appears to be fiscal Q4 2026, the quarter ended 2026-03-31, when net income was -$8.0 million and diluted EPS was -$0.39. More recently, fiscal Q1 2027, the quarter ended 2026-06-30, showed net income of $1.7 million and diluted EPS of $0.08, so there is a possible turnaround. The Lynch category computed by FairStock is TURNAROUND - loss in latest year after earlier profits - and the Piotroski F-Score of 7/9 is a modestly encouraging accounting signal. Still, a bank's quality lives in credit and capital, and the data does not give CET1, net interest margin, nonperforming loans, or loss reserves; combined ratio is not applicable. The 1.33% dividend yield and low beta of 0.46 imply some stability, but at 0.83 times book the market is clearly skeptical. I would need evidence that Q1 2027's profit is durable and that credit costs are contained before calling this a genuine bargain.

In plain English: Riverview Bancorp is a small bank holding company that takes deposits and makes loans through Riverview Bank. It lost money in its latest full fiscal year, but the most recent quarter showed a small profit. The stock trades below the value of its net assets on its books, which can look cheap, but the recent losses and weak returns mean the cheapness may reflect real risk.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q1 2027 10-Q (period ended 2026-06-30) · fiscal Q4 2026 10-K (period ended 2026-03-31) · fiscal Q3 2026 10-K (period ended 2025-12-31) · fiscal Q2 2026 10-K (period ended 2025-09-30) · FY2026 10-K (period ended 2026-03-31) · FY2025 10-K (period ended 2025-03-31) · FY2024 10-K (period ended 2024-03-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer