Expectations trend
FY2028 · fiscal year ending 2028-03-31 · fmp
Riverview Bancorp, Inc. (RVSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$6.12-0.16%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
0.37 → 0.43 EPS · FY ending Mar 31, 2028 · 1 analyst
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 1 to 1; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for RVSB yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
earnings per share at least $0.06 next quarter | Riverview Bancorp aims to grow earnings per share by optimizing its balance sheet. | Intact | EPS falls below $0.06 next quarter | Diluted EPS: $0.08 per share FY2027-Q1; GAAP. Published target: >=0.06 USD per share. The stored target says 2026-Q2; this source reports FY2027-Q1. Fiscal/calendar alignment needs review. Aug 14, 20260.08 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2028 · fiscal year ending 2028-03-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a small regional bank with a growth-and-execution thesis, rather than a proven durable compounder. The thesis is on watch: recent signals improved, but financial performance remains weak relative to its industry group.
RVSB is described as cheap versus peers, while the valuation signal recently improved and is tagged as justified, with low fragility. The expectations gap is negative, so the current setup does not suggest that expectations are especially undemanding; the valuation evidence also labels the business loss-making.
Near term, loan growth and a wider net interest margin support progress: loans and the loan pipeline increased from the second to the third quarter of 2026, and margin rose from 3.34% to 3.40%. Expenses stayed flat and the efficiency ratio improved, but recent financial performance is still weak, and smaller size plus recent peer misses leave some risk around results.
The multi-year thesis hinges on continued loan relationship growth, margin improvement, and better expense efficiency. A guidance cut or rate cuts would be unfavorable near term, while continued earnings strength and higher guidance from sector bellwethers could support sector momentum.
Over the next one to three years, RVSB’s case rests on turning measurable loan and margin progress into stronger overall performance, while managing rate and guidance risks. The evidence is mixed, so the thesis remains on watch. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| The bank raised its net interest margin to 2.86% in 2026-Q1. |
| Intact |
| net interest margin falls below 2.5% |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
execute $4 million share repurchase program | It started a $4 million share buyback to boost shareholder value. | Intact | buyback program is canceled or not executed | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$0.40 → $0.43 · observed estimates
$0.07B → $0.06B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-25 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-26 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-27 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-28 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-29 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-30 | $0.40 | $66,800,000 | 1 / 1 |
| 2026-07-31 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-01 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-02 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-03 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-04 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-05 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-06 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-08 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-09 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-10 | $0.37 | $64,300,000 | 1 / 1 |
| 2026-08-12 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-13 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-14 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-15 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-16 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-17 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-18 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-19 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-20 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-21 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-22 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-23 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-24 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-25 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-26 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-27 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-28 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-29 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-30 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-08-31 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-01 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-02 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-03 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-04 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-05 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-06 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-07 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-08 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-09 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-10 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-11 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-12 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-13 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-14 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-15 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-16 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-17 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-18 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-19 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-20 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-21 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-22 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-23 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-24 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-25 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-26 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-27 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-28 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-29 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-09-30 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-01 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-02 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-03 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-04 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-05 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-06 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-07 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-08 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-09 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-10 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-11 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-12 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-13 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-14 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-15 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-16 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-17 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-18 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-19 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-20 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-21 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-22 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-23 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-24 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-25 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-26 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-27 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-28 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-29 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-30 | $0.37 | $64,339,200 | 1 / 1 |
| 2026-10-31 | $0.43 | $64,857,600 | 1 / 1 |
| 2026-11-01 | $0.43 | $64,857,600 | 1 / 1 |
| 2026-11-02 | $0.43 | $64,857,600 | 1 / 1 |
| 2026-11-03 | $0.43 | $64,857,600 | 1 / 1 |
| 2026-11-04 | $0.43 | $64,857,600 | 1 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 1 Buy / Strong Buy · 0 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.