Riverview Bancorp, Inc. (RVSB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$5.32+1.33%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · RVSB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -38.1% |
| Our one-year growth estimate | diamond | 1.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 39.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
RVSB — earnings in line
Dated 2026-07-29
Results of Operations and Financial Condition. On July 28, 2026, Riverview Bancorp, Inc. issued its earnings release for the quarter ended June 30, 2026. A copy of the press release is attached hereto as Exhibit 99.1 and is incorporated herein by reference.
Why it matters: The sector has been growing, but a drop below median growth could signal trouble for Riverview Bancorp.
Worry ifRiverview Bancorp reports revenue growth below the median of 15%.
Less concerning ifRiverview Bancorp maintains revenue growth above the median of 15%.
Why it matters: This earnings report will give important updates on Riverview's financial health. It will also cover their strategic plans.
Watch forThe earnings report shows a return to making money or better financial numbers.
Also watch forThe earnings report shows ongoing losses or more drops in important numbers.
Why it matters: A drop in sector revenue growth could impact Riverview's performance. It may signal broader challenges in the financial sector.
Worry ifSector revenue growth falls below 12% year over year.
Less concerning ifSector revenue growth remains above 15% year over year.
Why it matters: The new Chief Lending Officer will influence lending strategy and execution. This is key for Riverview's growth.
Watch forA qualified candidate is appointed as Chief Lending Officer by the end of Q3 2026.
Also watch forNo appointment is made by the end of Q3 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$77 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $286 loss on $10,000 · 2.9% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,628 loss on $10,000 · 16.3% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: If revenue growth drops below its median, it may signal a slowdown in the financial sector. This could affect Riverview's performance.
Worry ifSector revenue growth remains above its median.
Less concerning ifSector revenue growth drops below its median.
Why it matters: Completing the buyback shows trust in the company's finances. This can help the share price.
Supportive ifThe company finishes the $4.0 million share buyback program.
Worry ifThe company suspends or does not complete the share repurchase program.
Why it matters: The new hire will shape Riverview's lending strategy and influence future growth.
Watch forA new Chief Lending Officer has been announced. This person fits Riverview's growth plans.
Also watch forThere is a delay in naming a new Chief Lending Officer. This creates uncertainty in lending.
Why it matters: A higher net interest margin shows management is doing well with the balance sheet.
Supportive ifQ2 net interest margin is over 3.34%. This shows good balance sheet management.
Worry ifNet interest margin is below 3.34%. This means there are challenges in margin growth.
Why it matters: The optimization aims to enhance earnings per share. Success here could improve investor confidence.
Supportive ifEarnings per share increases by at least $0.13 as a result of the optimization.
Worry ifEarnings per share does not improve or declines further.
Why it matters: A higher net interest margin means more profit. This is important for Riverview's growth.
Supportive ifNet interest margin increases by more than 10 basis points from the last reported 2.86%.
Worry ifNet interest margin decreases or stays the same.
Why it matters: Updates on the share repurchase program could indicate confidence in future earnings. This may support share price.
Supportive ifThey announced a share buyback of at least 5% of their shares.
Worry ifNo updates or delays in the share repurchase program.
Why it matters: Investing in tech and talent may raise non-interest income. This can help growth and profits.
Supportive ifNon-interest income goes above $3.6 million in Q3 2026.
Worry ifNon-interest income falls below $3.6 million in Q3 2026.
Why it matters: A higher net interest margin means better balance sheet management. This helps EPS growth.
Supportive ifNet interest margin exceeds 3.34% in Q2 2027.
Worry ifNet interest margin falls below 3.34% in Q2 2027.
Why it matters: A growing loan pipeline shows strong future lending. This can lead to more revenue.
Supportive ifLoan pipeline exceeds $93.9 million in Q2 2027.
Worry ifLoan pipeline falls below $93.9 million in Q2 2027.
Why it matters: More non-performing assets can signal credit quality issues. This can hurt profits.
Worry ifNon-performing assets exceed 0.59% of total assets in Q2 2027.
Less concerning ifNon-performing assets remain at or below 0.59% of total assets in Q2 2027.