Stock fact sheet · data as of
Riverview Bancorp, Inc. (RVSB): fair value, margin of safety and Wheel Score
Ticker symbol RVSB · Financial Services · Banks - Regional · United States · Speculative
Is RVSB undervalued?
RVSB closed at 6.13 on 5 Nov 2026, 13% below the GLS average fair value of 7.03 from 3 models (2 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
The average is built from just 3 models (DCF, 10 Cap, DDM) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files RVSB under Speculative - it is losing money or its Piotroski health score is 3 or lower - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for RVSB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 6.85 | +12% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 13.08 | +113% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 1.18 | -81% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -60.59 | -1088% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 8.00 | +31% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Riverview Bancorp, Inc. scores 5 of 9 on the Piotroski F-score: a middling result that falls one point short of the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.4/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -2.3%, ROE -3.0%, ROA -0.3% - with debt at 0.31 times equity and a free-cash-flow yield of 11.5%.
The dividend yield is 1.31% with a payout ratio of -55% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Asset management fees. 49%, Debit card and ATM fees 23%, Deposit related fees 17% (quarter Q1 FY2027).
Institutional ownership scores 8/10, insider activity 7/10 and Congressional trading 5/10 on the GLS smart-money scales; the last recorded insider buy was on 30 Oct 2026.
| Piotroski F-score | 5 / 9 | ROIC | -2.3% |
|---|---|---|---|
| GLS Moat | 4.4 / 10 | ROE | -3.0% |
| Debt / equity | 0.31 | ROA | -0.3% |
| Free-cash-flow yield | 11.5% | Payout ratio | -55% |
| Institutions | 8 / 10 | Insiders · Congress | 7 · 5 / 10 |
Wheel Score 38: Weak
With a Wheel Score of 38 Riverview Bancorp, Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (77 open interest, 85 a day); and filter 2, a real business, not a gamble - speculative (a loss, or a weak Piotroski score); and filter 4, financially healthy - Piotroski 5/9 (under 6); and filter 8, big enough - market cap $121M (under $1.0B); Option trading (weak) is its weakest part.
Implied volatility is 53% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 77 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 78k shares a day on a market cap of $121M, with a beta of 0.46 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (77 open interest, 85 a day) |
| 2 | A real business, not a gamble | Fails | speculative (a loss, or a weak Piotroski score) |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 5/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $121M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Fair | 13% below fair value | |
| Premium | Strong | implied volatility 53% | |
| Moat | Fair | moat 4.4/10 | |
| Health | Fair | Piotroski 5/9 | |
| Red Flags | Good | Red Flags score 80/100 | |
| Option trading | Weak | 85 contracts a day, 77 open interest | |
| Stability | Fair | beta 0.46, $121M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 26 Jan 2027, 82 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Riverview Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CNBP Cornerstone Bancorp Inc. | 123.00 | 136.99 | +10% | 25No options | $121M |
| MPCB Mountain Pacific Bancorp Inc | 17.35 | 54.88 | +68% | 35No options | $121M |
| BBNA Bonvenu Bancorp, Inc. | 18.50 | 17.78 | -4% | 21No options | $121M |
| CWBK CW Bancorp | 41.05 | 112.98 | +64% | 34No options | $120M |
| NMBF Nmb Financial Corp | 22.85 | 35.13 | +35% | 31No options | $122M |
| WSBK Winchester Bancorp, Inc. Common Stock | 13.64 | 11.78 | -16% | 18No options | $122M |
| JFBC Jeffersonville Bancorp | 29.00 | 55.42 | +48% | 31No options | $123M |
| BSBK Bogota Financial Corp. | 9.33 | 38.77 | +76% | 32No options | $119M |
| CMHF Community Heritage Financial, Inc. | 41.80 | 41.42 | -1% | 16No options | $123M |
| OXBC Oxford Bank Corporation | 50.10 | 98.54 | +49% | 31No options | $124M |
| SFBC Sound Financial Bancorp, Inc. | 45.77 | 40.66 | -13% | 21No options | $118M |
| FKYS First Keystone Corporation | 19.14 | 18.60 | -3% | 17No options | $125M |
⚖ Compare RVSB with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about RVSB
Is RVSB undervalued right now?
By the GLS models, moderately: at 6.13 the stock trades 13% below the average fair value of 7.03 (data as of 5 Nov 2026).
What is the Wheel Score of RVSB and what does it mean?
RVSB scores 38 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 4, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for RVSB?
7.03 per share as of 5 Nov 2026 - the simple average of the 3 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Riverview Bancorp, Inc. report earnings next?
The next earnings report is due on 26 Jan 2027, 82 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does RVSB have listed options, and how liquid are they?
Yes. The nightly snapshot found 20 listed contracts with 77 open interest across all expiries and implied volatility of 53% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.