Latest Ratios: P/E Ratio -25.4x · EV/EBITDA N/A · ROE -2.8%. (1998–2026 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $108M | $115M | $119M | $100M | $116M | $168M | $155M | $114M | $166M | $211M | $161M |
| Enterprise Value | $137M | $143M | $195M | $194M | $246M | $-44758250 | $-81950910 | $101M | $228M | $189M | $114M |
| P/E Ratio → | -25.38 | — | 24.57 | 26.22 | 6.43 | 7.70 | 14.74 | 7.26 | 9.62 | 20.76 | 21.67 |
| P/S Ratio | 1.67 | 1.77 | 1.63 | 1.49 | 1.70 | 2.68 | 2.60 | 1.81 | 2.72 | 3.77 | 3.53 |
| P/B Ratio | 0.76 | 0.79 | 0.74 | 0.64 | 0.74 | 1.07 | 1.02 | 0.76 | 1.24 | 1.81 | 1.45 |
| P/FCF | 9.61 | 10.19 | 21.42 | 13.97 | 13.42 | 12.70 | 7.50 | 8.77 | 8.67 | 18.89 | 9.23 |
| P/OCF | 8.98 | 9.52 | 14.39 | 7.82 | 8.51 | 10.19 | 6.40 | 7.14 | 8.22 | 17.69 | 8.93 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.22 | 2.67 | 2.90 | 3.63 | -0.72 | -1.38 | 1.60 | 3.73 | 3.38 | 2.51 |
| EV / EBITDA | — | — | 20.41 | 26.30 | 9.34 | -1.41 | -4.92 | 4.27 | 9.05 | 9.06 | 8.45 |
| EV / EBIT | — | — | 31.29 | 42.08 | 10.40 | -1.58 | -6.09 | 4.89 | 10.15 | 10.53 | 10.60 |
| EV / FCF | — | 12.74 | 35.12 | 27.11 | 28.59 | -3.39 | -3.98 | 7.75 | 11.91 | 16.93 | 6.55 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 64.6% | 64.6% | 69.0% | 72.4% | 92.9% | 103.9% | 83.6% | 90.4% | 95.3% | 95.8% | 95.9% |
| Operating Margin | -9.0% | -9.0% | 8.5% | 6.9% | 34.9% | 45.2% | 22.6% | 32.7% | 36.8% | 32.2% | 23.6% |
| Net Profit Margin | -6.7% | -6.7% | 6.7% | 5.7% | 26.6% | 34.9% | 17.6% | 25.1% | 28.3% | 18.3% | 16.2% |
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -2.8% | -2.8% | 3.1% | 2.4% | 11.6% | 14.1% | 7.0% | 11.2% | 13.8% | 9.0% | 6.7% |
| ROA | -0.3% | -0.3% | 0.3% | 0.2% | 1.1% | 1.3% | 0.8% | 1.3% | 1.5% | 0.9% | 0.7% |
| ROIC | -1.9% | -1.9% | 1.7% | 1.2% | 7.2% | 11.6% | 5.6% | 7.8% | 9.2% | 9.4% | 5.9% |
| ROCE | -0.7% | -0.7% | 2.2% | 1.5% | 9.6% | 15.4% | 7.5% | 10.3% | 12.3% | 12.5% | 7.9% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.31 | 0.31 | 0.66 | 0.76 | 0.98 | 0.19 | 0.19 | 0.20 | 0.64 | 0.25 | 0.26 |
| Debt / EBITDA | — | — | 11.04 | 15.96 | 5.80 | 0.92 | 1.74 | 1.23 | 3.40 | 1.38 | 2.13 |
| Net Debt / Equity | — | 0.20 | 0.48 | 0.60 | 0.84 | -1.35 | -1.56 | -0.09 | 0.46 | -0.19 | -0.42 |
| Net Debt / EBITDA | — | — | 7.96 | 12.75 | 4.95 | -6.68 | -14.20 | -0.56 | 2.46 | -1.04 | -3.46 |
| Debt / FCF | — | 2.56 | 13.71 | 13.14 | 15.17 | -16.09 | -11.48 | -1.02 | 3.24 | -1.95 | -2.68 |
| Interest Coverage | -0.27 | -0.27 | 0.28 | 0.25 | 5.83 | 12.85 | 3.93 | 4.32 | 7.96 | 7.66 | 5.77 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 6.89 | 6.89 | 0.04 | 0.14 | 0.20 | 0.27 | 0.37 | 0.20 | 0.22 | 0.27 | 0.28 |
| Quick Ratio | 6.89 | 6.89 | 0.04 | 0.14 | 0.20 | 0.27 | 0.37 | 0.20 | 0.22 | 0.27 | 0.28 |
| Cash Ratio | 0.94 | 0.94 | 0.02 | 0.02 | 0.02 | 0.16 | 0.19 | 0.04 | 0.03 | 0.05 | 0.08 |
| Asset Turnover | — | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.5% | 1.5% | 2.1% | 5.1% | 4.4% | 2.8% | 2.9% | 3.6% | 1.9% | 1.0% | 1.1% |
| Payout Ratio | — | — | 51.7% | 133.7% | 28.3% | 21.4% | 42.8% | 25.9% | 18.3% | 20.9% | 24.3% |
| Metric | TTM | FY 2026 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | 4.1% | 3.8% | 15.5% | 13.0% | 6.8% | 13.8% | 10.4% | 4.8% | 4.6% |
| FCF Yield | 10.4% | 9.8% | 4.7% | 7.2% | 7.4% | 7.9% | 13.3% | 11.4% | 11.5% | 5.3% | 10.8% |
| Buyback Yield | 2.5% | 2.4% | 1.7% | 0.6% | 5.8% | 1.2% | 0.9% | 0.9% | 0.1% | 0.0% | 0.0% |
| Total Shareholder Yield | 4.0% | 3.8% | 3.8% | 5.7% | 10.2% | 3.9% | 3.8% | 4.5% | 2.0% | 1.0% | 1.1% |
| Shares Outstanding | — | $21M | $21M | $21M | $22M | $22M | $22M | $23M | $23M | $23M | $23M |
Regional CRE Concentration Risk
Based on recent market data, RVSB trades at a P/B of 0.75, which, according to financial statements, implies that investors are pricing the bank at a significant discount to its tangible book value due to persistent negative earnings and structural profitability challenges in the current cycle.
The current valuation suggests the market views RVSB as a distressed asset rather than a stable franchise, likely reflecting skepticism regarding the bank's ability to return to positive ROTCE. Investors should monitor whether this discount persists as a potential acquisition premium or if it signals a permanent impairment of the bank's core deposit franchise value.
As reported in quarterly filings, RVSB's ROE collapsed to -5.2% in 2026Q4, a trend that, based on DuPont analysis, is driven by a combination of severe NIM compression and a negative contribution from non-interest income that has overwhelmed the bank's historical leverage and asset utilization models.
The shift to negative profitability indicates that the bank's traditional spread-based model is currently failing to cover its fixed operating costs. This deterioration suggests that the bank's reliance on pro-cyclical fee income, particularly in wealth management and mortgage brokerage, has become a liability rather than a diversification benefit during the current regional economic downturn.
According to recent financial disclosures, RVSB's efficiency ratio spiked to 158.5% in 2026Q4, a figure that, when compared to historical norms, indicates a fundamental mismatch between the bank's high fixed-cost branch infrastructure and its current revenue-generating capacity in a challenging interest rate environment.
The inability to maintain a sub-70% efficiency ratio suggests that management is struggling to scale the cost base in response to the -11.57% revenue decline. This trend warrants further investigation into whether the bank can achieve necessary cost rationalization without sacrificing the local deposit density that forms its primary competitive moat.
Based on the most recent balance sheet figures, RVSB maintains an equity-to-assets ratio of approximately 0.10, which, as reported in regulatory filings, provides a limited capital buffer to absorb further credit losses or support strategic initiatives during this period of sustained negative profitability and revenue contraction.
The bank's capital position appears increasingly vulnerable, as the lack of organic capital generation forces a reliance on existing liquidity to meet regulatory requirements. Investors should monitor whether management will be forced to curtail capital returns or seek external financing if the current negative earnings trend continues to erode the equity base.
The P/E ratio is the most commonly misapplied metric for RVSB, as it fails to account for the volatility introduced by CECL-mandated credit loss provisions and the bank's current negative net margin, which renders traditional earnings-based valuation multiples largely meaningless for assessing the bank's true fundamental health.
Using P/E to value a bank in a loss-making cycle obscures the underlying asset quality and liquidity risks that are better captured by P/TBV and CET1 ratios. Analysts should prioritize tangible book value and capital adequacy metrics to better understand the bank's floor valuation and its capacity to survive the current regional economic stress.
Includes 30+ ratios · 29 years · Updated daily
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Quick answers to the most common questions about buying RVSB stock.
Riverview Bancorp, Inc.'s current P/E ratio is -25.4x. The historical average is 15.3x.
Riverview Bancorp, Inc.'s return on equity (ROE) is -2.8%. The historical average is 5.9%.
Based on historical data, Riverview Bancorp, Inc. is trading at a P/E of -25.4x. Compare with industry peers and growth rates for a complete picture.
Riverview Bancorp, Inc.'s current dividend yield is 1.50%.
Riverview Bancorp, Inc. has 64.6% gross margin and -9.0% operating margin.