Riverview Bancorp
Financial ratios & Valuation

Forward Multiples (2026 – 2026)

2026
Price/Earnings ratio
11.17
Price/Sales ratio
1.95
Earnings per Share (EPS)
$0.45

Historical Multiples (2015 – 2024)

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
22.4314.8321.7020.549.697.2014.757.686.3926.09121.099.69
Price/Sales ratio
2.832.443.673.922.871.952.752.771.812.051.971.95
Price/Book Value ratio
0.970.871.441.801.250.761.011.060.740.630.750.76
Price/Cash Flow ratio
18.118.518.7717.628.307.126.3910.188.517.7714.498.30
Price/Free Cash Flow ratio
19.768.809.0718.818.758.757.4912.6913.4113.8830.808.75
Price/Earnings Growth ratio
-0.290.371.210.560.14-0.91-0.440.07-0.44-0.33-1.03-0.91
Dividend Yield
N/A1.33%1.11%1.01%1.88%3.59%2.89%2.78%4.42%5.12%2.76%1.88%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
33.20%29.87%36.71%42.95%43.37%35.42%24.02%56.10%43.47%9.52%2.22%35.42%
Pretax Profit Margin
18.66%25.35%24.65%33.56%38.53%35.42%24.02%46.83%37.11%9.52%1.56%35.42%
Net Profit Margin
12.62%16.47%16.91%19.10%29.68%27.10%18.69%36.14%28.32%7.86%1.63%27.10%
Effective Tax Rate
32.37%35.01%31.38%43.09%22.96%23.47%22.15%22.83%23.69%17.43%-4.13%23.47%
Return on Assets
0.52%0.69%0.65%0.88%1.49%1.33%0.67%1.25%1.13%0.24%0.06%1.33%
Return On Equity
4.32%5.87%6.65%8.76%12.97%10.58%6.90%13.87%11.63%2.44%0.63%10.58%
Return on Capital Employed
1.38%2.29%2.67%3.79%4.33%2.78%1.54%3.58%2.88%0.30%0.14%2.78%
Liquidity Ratios
Current Ratio
0.110.091.100.050.020.04N/AN/AN/AN/A0.050.02
Quick Ratio
13.120.620.580.531.620.480.741.600.40N/A0.050.48
Cash ratio
10.830.170.140.090.040.090.390.300.03N/A0.050.04
Days of Sales Outstanding
21.94N/AN/AN/A24.59N/AN/A28.11N/AN/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.020.020.020.020.070.020.010.010.090.070.080.07
Debt Equity Ratio
0.210.200.230.220.640.170.170.170.980.740.800.64
Long-term Debt to Capitalization
0.170.170.190.180.390.150.140.140.490.420.440.39
Total Debt to Capitalization
0.170.170.190.180.390.150.140.140.490.420.440.39
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.07N/A
Cash Flow to Debt Ratio
0.240.480.690.450.230.590.900.610.080.110.060.59
Company Equity Multiplier
8.278.5010.199.858.697.9310.2111.0610.249.779.638.69
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.150.280.410.220.340.270.430.270.210.260.130.27
Free Cash Flow / Operating Cash Flow Ratio
0.910.960.960.930.940.810.850.800.630.550.460.81
Cash Flow Coverage Ratio
0.240.480.690.450.230.590.900.610.080.110.060.59
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/A19.83%24.29%20.89%18.31%25.87%42.76%21.40%28.31%133.71%419.96%18.31%