Riverview Bancorp, Inc. Financial Ratios — RVSB Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	10.47	-114.74	20.13	80.57	12.5	15.7	16.18	19.45	27.1	20.62	12.31	22.58	16.19	3.24	4.14
Return on Assets (%)	0.51	-3.69	0.32	2.43	0.53	0.71	0.72	0.9	1.5	1.35	0.77	1.33	1.09	0.24	0.32
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.48	4.97	4.9	5.82	9.23	6.73	6.27	5.44	4.67	5.1	5.73	5.83	4.22	5.71	6.58
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	15.05	-57.49	6.95	13.32	18.66	25.36	24.65	33.57	38.53	35.42	24.02	46.84	37.11	9.52	12.33
Profit Margin (%)	10.02	-78.18	6.87	59.57	12.62	16.48	16.91	19.1	29.69	27.11	18.7	36.14	28.32	7.86	9.69
Net Income to Common Margin (%)	10.02	-78.18	6.87	59.57	12.62	16.48	16.91	19.1	29.69	27.11	18.7	36.14	28.32	7.86	9.69
Effective Tax Rate (%)	33.41	- -	1.09	- -	32.37	35.02	31.39	43.09	22.96	23.47	22.16	22.83	23.69	17.43	21.4
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	19.83	24.3	20.89	18.32	25.88	42.76	21.4	28.32	133.72	51.66
Sustainable Growth Rate (%)	10.47	-114.74	20.13	80.57	12.5	12.58	12.25	15.38	22.13	15.28	7.04	17.75	11.61	-1.09	2

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	25	25	25	25	25	25	29	29	86	29	29	29	153	117	106
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	25	25	25	25	25	25	29	29	86	29	29	29	153	117	106
Total Debt/EBITDA	13.1	12.52	13.38	13.19	7.6	9.69	10.5	9.91	31.48	9.8	9.05	8.27	56.78	42.55	31.74
Net Debt/EBITDA	-15.09	-32.38	-73.19	-43.64	-18.87	-19.06	-17.94	-8.31	21.88	-5.25	-74.38	-61.02	47.67	33.2	22.27
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.05	1.37	1.85	4.1	4.43	4.66	4.28	4.93	6.11	6.95	5.69	6.04	7.43	7.67	7.92
Long-Term Debt/Equity (%)	23.51	33.08	31.78	25.44	23.92	23.23	25.92	24.73	64.27	19.5	19.18	18.52	98.49	75.5	65.99
Long-Term Debt/Capital (%)	36.52	67.19	62.62	42.21	39.27	36.93	37.26	33.74	54.77	26.12	24.81	21.68	56.43	50.16	46.82
Long-Term Debt/Total Assets (%)	2.94	2.94	3.23	3.04	2.91	2.73	2.54	2.51	7.4	2.46	1.88	1.67	9.62	7.72	6.98
Total Debt/Equity (%)	23.51	33.08	31.78	25.44	23.92	23.23	25.92	24.73	64.27	19.5	19.18	18.52	98.49	75.5	65.99
Total Debt/Capital (%)	36.52	67.19	62.62	42.21	39.27	36.93	37.26	33.74	54.77	26.12	24.81	21.68	56.43	50.16	46.82
Total Debt/Total Assets (%)	2.94	2.94	3.23	3.04	2.91	2.73	2.54	2.51	7.4	2.46	1.88	1.67	9.62	7.72	6.98
Net Debt to Equity	-27.07	-85.6	-173.79	-84.13	-59.37	-45.71	-44.28	-20.74	44.67	-10.45	-157.6	-136.62	82.7	58.92	46.29
Net Debt/Capital (%)	-167.28	129.42	114.54	179.37	293.87	1,218.92	-2,816.75	-69.37	44.87	-22.57	160.91	200.03	51.63	43.54	37.77
EBITDA	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
EBITDA-CapEx	1	-1	- -	1	3	2	2	2	2	- -	- -	- -	-2	-3	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.05	1.37	1.85	4.1	4.43	4.66	4.28	4.93	6.11	6.95	5.69	6.04	7.43	7.67	7.92
Long-Term Debt/Equity (%)	23.51	33.08	31.78	25.44	23.92	23.23	25.92	24.73	64.27	19.5	19.18	18.52	98.49	75.5	65.99
Long-Term Debt/Capital (%)	36.52	67.19	62.62	42.21	39.27	36.93	37.26	33.74	54.77	26.12	24.81	21.68	56.43	50.16	46.82
Long-Term Debt/Total Assets (%)	2.94	2.94	3.23	3.04	2.91	2.73	2.54	2.51	7.4	2.46	1.88	1.67	9.62	7.72	6.98
Total Debt/Equity (%)	23.51	33.08	31.78	25.44	23.92	23.23	25.92	24.73	64.27	19.5	19.18	18.52	98.49	75.5	65.99
Total Debt/Capital (%)	36.52	67.19	62.62	42.21	39.27	36.93	37.26	33.74	54.77	26.12	24.81	21.68	56.43	50.16	46.82
Total Debt/Total Assets (%)	2.94	2.94	3.23	3.04	2.91	2.73	2.54	2.51	7.4	2.46	1.88	1.67	9.62	7.72	6.98
CFO/Total Liabilities	2.41	1.54	1.58	0.9	0.74	1.36	1.77	1.15	1.97	1.54	1.73	1.04	0.95	0.93	0.61
CFO/CapEx	13.84	4.66	5.14	7.82	11.99	30.27	30.2	15.86	19.27	5.39	6.8	5.06	2.73	2.27	3.05
Altman's Z-Score	0.17	0.11	0.13	0.16	0.19	0.18	0.2	0.24	0.24	0.22	0.18	0.18	0.19	0.19	0.2

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	16.03	17.3	19.63	18.2	17.9	17.06	16.44	16.71	15.73	15.24	12.53	12.21	13.52	10.5	11.32
Days Sales Outstanding	22.77	21.1	18.6	20.06	20.39	21.4	22.2	21.85	23.21	23.95	29.13	29.89	27	34.76	32.24
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	56	50	59	77	101	94	161	210	165	113	155	168	116	100	119
- Cash & Cash Equivalents	52	88	160	106	85	72	76	51	24	42	266	242	22	24	29
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	1	1	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	25	25	25	25	25	25	29	29	86	29	29	29	153	117	106
Enterprise Value	30	-18	-82	-27	-71	-103	-86	-25	49	-48	-298	-211	35	50	181
Total Capital	69	37	40	59	64	68	77	86	156	111	117	134	271	234	226
Total Debt/Capital (%)	36.52	67.19	62.62	42.21	39.27	36.93	37.26	33.74	54.77	26.12	24.81	21.68	56.43	50.16	46.82
Total Debt / EV	0.85	-1.4	-0.31	-0.94	-0.35	-0.24	-0.33	-1.18	1.75	-0.6	-0.1	-0.14	4.41	2.33	0.58
EV/Sales	0.69	- -	- -	- -	- -	- -	- -	- -	0.84	- -	- -	- -	0.54	1.04	3.58
EV/EBITDA	15.42	- -	- -	- -	- -	- -	- -	- -	17.94	- -	- -	- -	12.87	18.26	54.45
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	1.64	- -	- -	- -	- -	- -	- -	- -	2.42	- -	- -	- -	2.55	3.95	21.9
EV/Free Cash Flow to Firm	1.53	- -	- -	- -	- -	- -	- -	- -	2.3	- -	- -	- -	1.87	2.74	16.49
Diluted Market Cap	56	50	59	77	101	94	161	211	166	114	155	168	116	100	119
Diluted Enterprise Value	30	-12	-75	-3	42	47	114	189	228	101	-82	-45	246	194	195
EV per Share	1.62	- -	- -	- -	- -	- -	- -	- -	2.16	- -	- -	- -	1.6	2.38	8.6
TTM Sales	43	40	38	33	36	39	44	54	58	58	56	60	64	48	51
TTM EBITDA	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	18	12	11	7	6	11	18	12	20	16	24	16	14	13	8
TTM Free Cash Flow to Firm	19	15	13	7	6	11	19	13	21	19	28	20	19	18	11

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	2.87	3.46	4.49	10.42	16.75	8.26	8.64	16.64	7.81	6.03	5.58	8.51	6.23	5.43	10.84
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	30	-18	-82	-27	-71	-103	-86	-25	49	-48	-298	-211	35	50	181
Low Price	1.71	2	1.07	2.25	3.3	4	4.25	6.46	5.46	4.47	3.77	6.44	5.2	4.17	3.3
EV/Sales	0.69	- -	- -	- -	- -	- -	- -	- -	0.84	- -	- -	- -	0.54	1.04	3.58
EV/EBITDA	15.42	- -	- -	- -	- -	- -	- -	- -	17.94	- -	- -	- -	12.87	18.26	54.45
Price/Earnings	12.92	- -	22.4	3.95	22.44	14.83	21.71	20.55	9.56	7.2	14.75	7.69	6.39	26.26	24.27
Price/Earnings Average	10.79	-1.82	14.5	3.21	20.05	15.64	17.56	17.95	11.01	10.69	11.1	7.47	8.27	30.1	20.49
Price/Earnings High	17.98	-2.26	23.76	4.03	23.73	19.35	24.77	21.45	13.07	12.51	16.59	8.37	9.58	36.56	25.3
Price/Earnings Low	7.27	-1.41	9.08	2.59	16.45	14.12	12.9	14.21	7.14	6.43	8.03	6.56	6.23	23.2	14.18
Price/Book Value	1.28	4.29	4.1	2.27	2.65	2.2	3.31	3.71	2.34	1.38	1.75	1.59	0.98	0.85	0.99
Price/Book Value Average	1.07	4.91	2.65	1.84	2.37	2.32	2.68	3.24	2.69	2.05	1.32	1.55	1.27	0.98	0.84
Price/Book Value High	1.79	6.07	4.35	2.31	2.8	2.86	3.78	3.87	3.19	2.4	1.97	1.74	1.47	1.19	1.03
Price/Book Value Low	0.72	3.8	1.66	1.49	1.94	2.09	1.97	2.56	1.75	1.23	0.95	1.36	0.95	0.76	0.58
Price/Tangible Book Value	0.69	1.01	1.11	1.06	1.29	1.15	1.95	2.38	1.58	0.94	1.25	1.29	0.9	0.78	0.9
Price/Tangible Book Value Average	0.57	1.15	0.72	0.86	1.15	1.21	1.58	2.08	1.81	1.39	0.94	1.26	1.17	0.89	0.76
Price/Tangible Book Value High	0.96	1.42	1.18	1.08	1.36	1.49	2.22	2.49	2.15	1.63	1.4	1.41	1.35	1.08	0.93
Price/Tangible Book Value Low	0.39	0.89	0.45	0.69	0.94	1.09	1.16	1.65	1.18	0.84	0.68	1.1	0.88	0.69	0.52
Price/Sales	1.3	1.25	1.54	2.35	2.83	2.44	3.67	3.93	2.84	1.95	2.76	2.78	1.81	2.06	2.35
Price/Sales Average	1.08	1.43	1	1.91	2.53	2.58	2.97	3.43	3.27	2.9	2.07	2.7	2.34	2.37	1.99
Price/Sales High	1.8	1.76	1.63	2.4	3	3.19	4.19	4.1	3.88	3.39	3.1	3.02	2.71	2.87	2.45
Price/Sales Low	0.73	1.1	0.62	1.54	2.08	2.33	2.18	2.71	2.12	1.74	1.5	2.37	1.76	1.82	1.37
Price/Cash Flow	3.08	4.2	5.36	11.75	18.12	8.51	8.9	17.63	8.19	7.13	6.39	10.19	8.51	7.82	14.39
Price/Cash Flow Average	2.57	4.81	3.47	9.54	16.19	8.98	7.2	15.4	9.44	10.57	4.81	9.9	11.01	8.96	12.15
Price/Cash Flow High	4.28	5.95	5.69	11.99	19.16	11.11	10.16	18.4	11.2	12.38	7.19	11.09	12.75	10.89	15
Price/Cash Flow Low	1.73	3.72	2.17	7.71	13.29	8.11	5.29	12.19	6.12	6.36	3.48	8.69	8.29	6.91	8.41
Price/Free Cash Flow Average	2.4	3.96	2.9	8.46	14.97	8.71	6.99	14.54	9	8.94	4.19	8.27	8.06	6.23	9.15
Price/Free Cash Flow High	3.99	4.9	4.76	10.63	17.72	10.77	9.86	17.38	10.68	10.47	6.27	9.27	9.34	7.56	11.3
Price/Free Cash Flow Low	1.61	3.06	1.82	6.83	12.28	7.86	5.14	11.51	5.84	5.38	3.03	7.26	6.07	4.8	6.33
EV/Sales Average	0.48	- -	- -	- -	0.87	1.36	1.9	3.02	4.33	2.67	- -	- -	4.39	4.31	3.49
EV/Sales High	1.2	0.23	- -	- -	1.33	1.97	3.12	3.69	4.94	3.16	- -	- -	4.76	4.82	3.96
EV/Sales Low	0.12	- -	- -	- -	0.41	1.11	1.11	2.31	3.18	1.52	- -	- -	3.81	3.77	2.88
EV/EBITDA Average	10.65	-2.19	-51.23	-9.33	9.41	20.2	30.31	55.53	92.73	52.35	-37.48	-14.06	104	75.4	53.1
EV/EBITDA High	26.75	4.61	-38.23	-0.9	14.45	29.27	49.75	67.83	105.79	62.03	-19.58	-8.51	112.78	84.28	60.19
EV/EBITDA Low	2.76	-8.69	-58.83	-15.63	4.5	16.48	17.74	42.42	68.14	29.71	-47.49	-19.74	90.28	65.91	43.79
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	3.04	2.26	2.64	3.43	4.5	4.2	7.15	9.34	7.31	5.01	6.93	7.55	5.34	4.72	5.65
High Price	4.23	3.2	2.8	3.5	4.76	5.48	8.16	9.75	9.99	8.7	7.79	8.22	8	6.57	5.89
Enterprise Value Average	21	-4	-96	-18	31	52	83	162	252	155	-120	-50	280	208	177
Enterprise Value High	52	9	-72	-2	47	76	137	198	288	184	-63	-30	304	233	200
Enterprise Value Low	5	-17	-110	-30	15	43	49	124	185	88	-153	-70	243	182	146

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	22	22	22	22	22	23	23	23	23	23	22	22	21	21	21
Diluted Weighted Avg Shares	18	22	22	22	22	22	23	23	23	23	22	22	22	21	21
Basic Weighted Avg Shares	18	22	22	22	22	22	22	23	23	23	22	22	22	21	21
Revenue per Share	2.35	1.81	1.72	1.46	1.59	1.72	1.95	2.38	2.57	2.57	2.51	2.72	2.95	2.29	2.4
EBITDA per Share	0.11	0.09	0.08	0.08	0.15	0.12	0.12	0.13	0.12	0.13	0.14	0.16	0.12	0.13	0.16
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.7	0.47	0.98	0.84	0.18	0.23
Basic EPS from Cont Ops	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.7	0.47	0.98	0.84	0.18	0.23
Diluted EPS, GAAP	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23
Diluted EPS from Cont Ops	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23
Dividend per Share	- -	- -	- -	- -	- -	0.06	0.08	0.09	0.14	0.18	0.2	0.21	0.24	0.24	0.12
Cash Flow per Share	0.99	0.54	0.49	0.29	0.25	0.49	0.8	0.53	0.89	0.7	1.08	0.74	0.63	0.6	0.39
Free Cash Flow per Basic Share	0.92	0.42	0.4	0.25	0.23	0.48	0.78	0.5	0.85	0.57	0.92	0.59	0.4	0.34	0.26
Cash & Equivalents per Share	2.82	4.22	7.44	5.76	8.8	9.93	12.27	11.71	8.94	8.41	21.62	18.34	10.8	7.89	2.06
Book Value per Share	2.37	0.53	0.64	1.51	1.7	1.91	2.16	2.52	3.13	3.63	3.95	4.73	5.46	5.52	5.69
Tangible Book Value per Share	4.43	2.25	2.37	3.24	3.5	3.67	3.67	3.92	4.64	5.34	5.55	5.84	5.91	6.07	6.3

Riverview Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)