Riverview Bancorp, Inc. (RVSB) Stock

Riverview Bancorp, Inc. (RVSB) is a Financials stock trading at $5.20 (as of 2026-09-02), with a market capitalization of $103.76M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Riverview Bancorp, Inc., a bank holding company for Riverview Community Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building individuals. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also provides commercial business, commercial and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. In addition, it is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management. The company operates through a network of 17 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

Understand Riverview Bancorp, Inc.: how it makes money

Riverview Bancorp is the holding company for Riverview Community Bank, a small regional lender for local businesses and individuals, earning income by collecting deposits and lending them out as commercial and real estate loans. The model is a classic community-bank spread: roughly $910 million in assets funded by low-cost local deposits and deployed into small-business and residential mortgage loans.

Profit is the interest-rate spread between low-cost local deposits and a small-business and real-estate loan book, squeezed by a high operating cost base that consumes most of that spread.

Business quality (Mixed): A small, stable community bank with a clean credit book and wide deposit-to-loan spread, but a high-cost operating structure that keeps shareholder returns thin.

Bull case

No troubled core loans: Non-Performing Loans Excluding SBA and USDA Government Guaranteed Loans stand at $0.00 billion, meaning the underlying commercial and residential portfolio shows no credit stress. That gives management room to grow the book without writing fresh provisions.
Wide gross interest spread: Deposit costs of 1.32 percent against a 4.97 percent loan yield produce a roughly 365 basis-point gross spread. That is the engine of every community bank's income, and at this level it comfortably covers operating expenses in a normal rate environment.

Bear case

Costs consume most of revenue: The Efficiency Ratio of 86.9 percent means the bank spends nearly 87 cents to generate every dollar of revenue. At that level there is little cushion for a credit cycle or a rate move that compresses spreads.
Returns below cost of equity: Return on Average Equity of 3.75 percent falls far short of the 10 to 15 percent that equity investors generally require to bear banking risk. Until the efficiency ratio improves or the loan book scales, shareholders are under-compensated.

Valuation — source: SEC EDGAR (first-party)
Price	$5.20
Market Cap	$103.76M
Price / Book	0.71
Price / Sales	1.65
Dividend Yield	1.6%
FCF Yield	13.4%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$62.01M
Net Margin	-7.0%
Return on Equity	-2.7%
Revenue Growth (YoY)	6.5%
EPS Growth (YoY)	33.3%
FCF Growth (YoY)	-342.4%

Valuation vs Sector & Industry
Sector P/E (Financials)	14.9
Industry P/E (Banking)	12.7

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($13.07M)
Institutional Holders Tracked	10

Company
Sector	Financials
Industry	Banking
CEO	Nicole Sherman
Employees	226
Country	US
IPO Date	1993-10-25

Related Companies (Banking; 8 comparable banks)

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.