Riverview Bancorp (RVSB) Stock Analysis & Winston Score

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-

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-60.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-814.3% YoY

YoY Growth Rate

Earnings declining

Insider Activity

14.1%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$117M cash & investments at current burn rate

Revenue declining

Riverview Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

13.7%

Thin — 13.7% gross margin

Operating Margin

-144.9%

Losing money on operations — -144.9%

ROCE

-5.6%

Weak — -5.6% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-9.4%

Shrinking sales (-9.4% YoY)

EPS YoY

-526.4%

Earnings shrinking (-526.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

26.1%

Converts sales into free cash efficiently (26.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.30

Conservative — low debt load (0.30)

Interest Cover

N/A

Data not available

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Valuation

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

1.48%

no trend

Small dividend — 1.48% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+0.0%

no trend

Dividend flat

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