Stock fact sheet · data as of
Riverview Bancorp, Inc. (RVSB): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Speculative / Distressed
Is RVSB undervalued?
RVSB closed at 6.01 on 16 Oct 2026, 12% below the GLS average fair value of 6.83 from 3 models (2 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" rule of the Sunday Scan, and the Wheel Score gives it 18 of the 25 Value points.
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 / Distressed - negative earnings or a Piotroski score of 3 or less - 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 | 6.77 | +13% | 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 | 12.55 | +109% | 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 | -80% | 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) | -59.94 | -1097% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 8.00 | +33% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Riverview Bancorp, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. 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 3.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, 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 11.6%.
The dividend yield is 1.33% with a payout ratio of -43% - 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 9/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | -2.3% |
|---|---|---|---|
| GLS Moat | 3.1 / 10 | ROE | -3.0% |
| Debt / equity | 0.31 | ROA | -0.3% |
| Free-cash-flow yield | 11.6% | Payout ratio | -43% |
| Institutions | 9 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 45: Weak
With a Wheel Score of 45 Riverview Bancorp, Inc. sits in the Weak band, capped at 45 because the engine files it as Speculative / Distressed. The parts - Value 18/25, Health 13/20, Moat 5/15, Premium 20/20, Stability 6/20 - show where: Stability (6/20) scores lowest.
Implied volatility is 39% on the near-the-money contracts 20-60 days out - inside the 35-60% range the Wheel Score pays full marks for: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 43 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 92k shares a day on a market cap of $120M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 18 / 25 | 12% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 5 / 15 | moat 3.1/10 | |
| Premium | 20 / 20 | implied volatility 39% | |
| Stability | 6 / 20 | 92k shares/day, $120M cap, beta 0.46 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Riverview Bancorp, Inc. reports earnings on 22 Oct 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
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 |
|---|---|---|---|---|---|
| CMHF Community Heritage Financial, Inc. | 40.74 | 37.65 | -8% | 31No options | $120M |
| MPCB Mountain Pacific Bancorp Inc | 17.13 | 54.80 | +69% | 39No options | $120M |
| BBNA Bonvenu Bancorp, Inc. | 18.50 | 20.40 | +9% | 39No options | $121M |
| KTHN Katahdin Bankshares Corp. | 38.00 | 48.84 | +22% | 39No options | $121M |
| JFBC Jeffersonville Bancorp | 28.62 | 54.99 | +48% | 39No options | $121M |
| CNBP Cornerstone Bancorp Inc. | 120.00 | 136.75 | +12% | 39No options | $118M |
| NMBF Nmb Financial Corp | 22.05 | 34.86 | +37% | 38No options | $118M |
| CWBK CW Bancorp | 41.74 | 110.97 | +62% | 39No options | $122M |
| BOTJ Bank of the James Financial Group, Inc. | 26.99 | 33.57 | +20% | 39No options | $123M |
| BORT Bank of Botetourt | 59.24 | 107.04 | +45% | 39No options | $117M |
| CZBS Citizens Bancshares Corporation | 66.90 | 135.37 | +51% | 39No options | $117M |
| BSBK Bogota Financial Corp. | 9.13 | 6.67 | -37% | 36No options | $117M |
⚖ 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 6.01 the stock trades 12% below the average fair value of 6.83 (data as of 16 Oct 2026).
What is the Wheel Score of RVSB and what does it mean?
RVSB scores 45 out of 100 (Weak). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for RVSB?
6.83 per share as of 16 Oct 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 22 Oct 2026, 6 days from the data date of 16 Oct 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 106 listed contracts with 43 open interest across all expiries and implied volatility of 39% 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.