Core Viewpoint - Riverview Bancorp (RVSB) reported quarterly earnings of $0.06 per share, exceeding the Zacks Consensus Estimate of $0.05 per share, marking a 20% earnings surprise [1]. Financial Performance - The company achieved revenues of $13.27 million for the quarter ended June 2025, slightly missing the Zacks Consensus Estimate by 0.25%, compared to $12.19 million in the same quarter last year [2]. - Over the last four quarters, Riverview Bancorp has surpassed consensus EPS estimates four times and topped consensus revenue estimates three times [2]. Stock Performance - Riverview Bancorp shares have declined approximately 5.9% since the beginning of the year, while the S&P 500 has gained 8.6% [3]. - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6]. Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.06 on revenues of $13.8 million, and for the current fiscal year, it is $0.24 on revenues of $55.4 million [7]. - The estimate revisions trend for Riverview Bancorp was mixed ahead of the earnings release, which may change following the recent report [6]. Industry Context - The Financial - Savings and Loan industry, to which Riverview Bancorp belongs, is currently ranked in the bottom 41% of over 250 Zacks industries, suggesting potential challenges ahead [8].

Financial Performance - Riverview Bancorp reported earnings of $1.2 million, or $0.06 per diluted share, for the first fiscal quarter ended June 30, 2025, an increase from $1.1 million, or $0.05 per diluted share, in the previous quarter and $966,000, or $0.05 per diluted share, in the same quarter last year [1][39] - Net interest income rose to $9.8 million in the current quarter, compared to $9.2 million in the preceding quarter and $8.8 million in the first fiscal quarter a year ago [4][39] - The net interest margin (NIM) improved to 2.78%, a 13 basis point increase from 2.65% in the previous quarter and a 31 basis point increase from 2.47% in the same quarter last year [5][39] Loan and Deposit Activity - Total loans increased by $5.6 million to $1.07 billion at June 30, 2025, compared to $1.06 billion three months earlier and $1.05 billion a year earlier [12] - The loan pipeline was $72.0 million at June 30, 2025, up from $41.1 million at the end of the previous quarter and $32.3 million a year ago [12] - Total deposits decreased by $22.4 million to $1.21 billion at June 30, 2025, compared to $1.23 billion at March 31, 2025, and decreased by $9.8 million compared to a year ago [15] Credit Quality - Non-performing loans totaled $143,000, or 0.01% of total loans, as of June 30, 2025, unchanged from the previous quarter and down from $160,000, or 0.04% of total loans, a year ago [18] - The allowance for credit losses remained stable at $15.4 million, representing 1.44% of total loans [21] Strategic Initiatives - The company is focused on enhancing operational performance and expanding digital capabilities as part of a three-year strategic plan [2][3] - Riverview Bancorp was added to the Russell 3000 and Russell 2000 Indexes, enhancing visibility within the institutional investment community [3] Shareholder Returns - The company paid a cash dividend of $0.02 per share on July 22, 2025, to shareholders of record on July 10, 2025 [17] - Shareholders' equity increased to $162.0 million at June 30, 2025, compared to $160.0 million three months earlier and $155.9 million a year earlier [17]

Core Points - Riverview Bancorp, Inc. has been added to the Russell 3000 Index and Russell 2000 Index as of June 30, 2025, marking a significant milestone for the company [1][2] - The inclusion in the Russell Indices is expected to enhance visibility among institutional investors and reflects the company's commitment to being a leading community bank in the Pacific Northwest [2] - As of June 2024, approximately $10.6 trillion in assets are benchmarked against the Russell US indexes, indicating the importance of these indices in the investment management industry [2] Company Overview - Riverview Bancorp, Inc. is headquartered in Vancouver, Washington, with total assets of $1.51 billion as of March 31, 2025 [4] - The company operates Riverview Bank and Riverview Trust Company, providing community banking services through 17 branches and 3 lending centers [4] - Riverview has been recognized as the Best Bank by readers of The Vancouver Business Journal and The Columbian for the past 11 years [4] Industry Context - FTSE Russell, the provider of the Russell indexes, is a global leader in index benchmarking, with approximately $18.1 trillion benchmarked to its indexes [6] - FTSE Russell's indexes cover 98% of the investable market globally, highlighting their significance for institutional and retail investors [6]

Industry Overview - The Zacks Savings and Loan industry is experiencing benefits from an improving lending environment due to the Federal Reserve's interest rate cuts, leading to stable funding costs and supporting net interest income (NII) and net interest margin (NIM) expansion [1][4] - The industry consists of specialized U.S. banks focusing on residential mortgage finance, offering various loan products and funding mortgages with savings insured by the FDIC [3] Industry Trends - Lower interest rates are expected to enhance NII and margins for savings and loan companies, which have faced pressure from higher funding costs [4] - A decline in mortgage rates is anticipated to boost purchase originations and refinancing activities, increasing loan demand across various categories [5] - Companies are transitioning to digital operations to remain competitive, despite facing challenges from legacy technologies [6][7] Asset Quality Concerns - Prolonged higher interest rates may lead to a deterioration in asset quality, as portfolio companies struggle to service debt amid geopolitical risks and tariff uncertainties [8] Industry Performance - The Zacks Savings and Loan industry ranks 14, placing it in the top 6% of over 245 Zacks industries, indicating solid prospects for outperformance [9][10] - The industry has underperformed the Zacks Finance sector but outperformed the S&P 500, with a collective gain of 20% over the past year compared to the S&P 500's 10.5% increase [12] Valuation Metrics - The industry has a trailing 12-month price-to-tangible book ratio (P/TBV) of 1.72X, below the five-year median of 1.97X, indicating a discount compared to the broader market [16][18] Company Highlights - **WSFS Financial**: With $20.5 billion in assets, the company expects mid-single-digit growth in commercial lending and a net interest margin of 3.80% for 2025, with a Zacks Consensus Estimate for current-year earnings at $4.59, reflecting a 4.6% year-over-year rise [21][22][23] - **Provident Financial**: After merging with Lakeland Bancorp, the company has $24.2 billion in assets and is expected to see a 69.4% year-over-year rise in earnings to $2.05 for 2025, with shares climbing 29.1% over the past year [26][29] - **Riverview Bancorp**: With assets of $1.51 billion, the company is focused on expanding revenue through commercial banking initiatives, expecting a 4.4% increase in earnings to 24 cents for fiscal 2025, with shares gaining 41.6% in the past year [32][34]

Credit Losses and Loan Portfolio - The Company recorded a provision for credit losses of $100,000 for the fiscal year ended March 31, 2025, compared to no provision for the fiscal year ended March 31, 2024[59]. - As of March 31, 2025, the Allowance for Credit Losses (ACL) was $15.4 million, or 1.45% of total loans, down from 1.50% at March 31, 2024[60]. - Net charge-offs totaled $90,000 for the fiscal year ended March 31, 2025, compared to net recoveries of $13,000 for the prior fiscal year[60]. - Criticized loans increased by $11.8 million to $48.5 million at March 31, 2025, representing approximately 4.56% of the total loan portfolio[61]. - Classified loans increased by $2.2 million to $2.9 million at March 31, 2025, primarily due to the downgrade of a $2.0 million commercial real estate loan[63]. - The Company's ACL coverage ratio for nonperforming loans exceeded 9,900% at March 31, 2025, compared to 8,600% at the end of the prior fiscal year[60]. - The general valuation allowance for pooled loans was 1.45% at March 31, 2025, compared to 1.50% at March 31, 2024[60]. - The total loans outstanding increased to $1,062,460,000 at March 31, 2025, from $1,024,013,000 at March 31, 2024[68]. Investment Portfolio - The investment portfolio consisted solely of debt securities as of March 31, 2025, with no equity securities held[69]. - The Company does not have any exposure to sub-prime lending in its investment securities portfolio[71]. - Total investment securities decreased from $372.7 million in 2024 to $322.5 million in 2025, representing a decline of approximately 13.5%[72]. - The weighted average yield on total available-for-sale securities was 2.09% as of March 31, 2025[72]. Deposits and Borrowings - Core branch deposits increased by $2.2 million from March 31, 2024, to March 31, 2025, reflecting a focus on organic growth in client relationships[78]. - The average balance of interest-bearing checking accounts rose to $261.5 million in 2025, with an average interest rate of 1.00%, compared to $243.9 million and 0.32% in 2024[77]. - FHLB advances totaled $76.4 million as of March 31, 2025, down from $88.3 million in 2024, indicating a reduction in reliance on external borrowings[82]. - The weighted average rate on FHLB advances was 5.17% in 2025, slightly down from 5.40% in 2024[84]. - The Company had $288.0 million of uninsured deposits as of March 31, 2025, compared to $297.2 million in 2024, reflecting a decrease in risk exposure[81]. - The Company had $36.0 million in CDARS and ICS deposits, representing 2.92% of total deposits, which provide clients with access to FDIC insurance beyond the standard limit[78]. - The average balance of money market accounts was $224.1 million in 2025, with an average interest rate of 1.86%, up from $233.7 million and 1.22% in 2024[77]. Employee and Workforce Information - As of March 31, 2025, the Company had 238 full-time equivalent employees, with an average tenure of 6.8 years[88]. - The workforce composition is approximately 65% women and 35% men, with 54% of management roles held by women[89]. - The Company believes its relationship with employees is good, with no employees represented by a collective bargaining unit[88]. - The Company promotes training and continuing education as an ongoing function for its employees[90]. Financial Performance and Capitalization - The Bank met the requirements to be "well capitalized" as of March 31, 2025, with a CET1 risk-based ratio of 6.5% and a Tier 1 risk-based ratio of 8%[113]. - The Company maintains a capital conservation buffer greater than 2.5% of risk-weighted assets to avoid limitations on paying dividends and engaging in share repurchases[112]. - Riverview Services reported a net income of $10,000 and total assets of $1.4 million for the fiscal year ended March 31, 2025[93]. - The Trust Company had a net income of $2.2 million and total assets of $12.9 million at March 31, 2025, with total assets under management of $877.9 million[94]. Regulatory and Compliance Issues - The Company has not elected to use the Community Bank Leverage Ratio (CBLR) framework as of March 31, 2025[110]. - The Bank is not required to maintain any reserve balances as of March 31, 2025[131]. - Riverview is subject to comprehensive regulation by the Federal Reserve under the Bank Holding Company Act, requiring semi-annual reports and compliance with extensive regulations[143]. - Non-compliance with the USA PATRIOT Act and Bank Secrecy Act could result in fines or sanctions, impacting the company's ability to obtain regulatory approval for acquisitions[193]. - The Federal Reserve's policy on cash dividends requires that net income for the past year must be sufficient to fully fund dividends, and companies experiencing financial problems should not borrow to pay dividends[149]. Risk Management and Strategic Considerations - The company has established an enterprise risk management framework to balance risk and return, critical for optimizing shareholder value[194]. - Climate change and related regulatory initiatives may materially affect the company's business and results of operations, with potential adverse impacts from severe weather events[195][196]. - Cybersecurity risks remain a significant concern, with potential breaches leading to financial losses, reputational damage, and increased costs[197][198][199]. - The company faces risks related to fraud and financial crimes, which have been increasing nationally, potentially resulting in financial losses and reputational harm[204]. - The adoption of Artificial Intelligence (AI) introduces model risk and regulatory compliance challenges, necessitating robust governance and oversight[205][207]. - Acquisitions are part of the company's growth strategy but involve risks such as asset quality issues, client loss, and integration challenges[211][212]. - The company relies on external vendors for key operational components, exposing it to risks if vendors fail to meet contractual obligations[214]. - Goodwill impairment could reduce earnings, as the company must evaluate goodwill annually and make subjective judgments regarding fair value[210]. - The company’s financial results depend on management's accounting methods and assumptions, which could lead to unexpected losses if incorrect[208][209]. - The board of directors oversees the risk management process, including cybersecurity risks, engaging with management on these issues[203]. - Ineffective liquidity management could adversely affect the company's financial results and condition, with potential negative impacts from decreased business activity or adverse regulatory actions[215]. - Future growth or losses may require the company to raise additional capital, which may not be available or could be costly, impacting expansion and financial condition[218]. - Regulatory changes regarding Diversity, Equity and Inclusion (DEI) and Environmental, Social and Governance (ESG) practices may adversely impact the company's reputation and compliance costs[219]. - The company faces intense competition in loan making and deposit attraction, which could reduce net interest income and profitability[224]. - Retaining and recruiting key management personnel is critical for the company's success, with intense competition for qualified employees in the banking industry[225]. - The company relies on dividends from the Bank for substantially all of its revenue at the holding company level, and any inability to receive dividends could adversely affect its financial condition[226].

Financial Performance - Net income for the fourth fiscal quarter 2025 was $1.1 million, or $0.05 per diluted share, compared to $1.2 million, or $0.06 per diluted share, in the previous quarter[4] - For fiscal 2025, net income increased to $4.9 million, or $0.23 per diluted share, compared to $3.8 million, or $0.18 per diluted share, for fiscal 2024[5] - Net income for the quarter was $1,148,000, with basic earnings per share of $0.05[37] - Net income for the three months ended March 31, 2025, was $1,148,000, a decrease of 6.8% from $1,232,000 in the previous quarter[45] - Basic earnings per share for the three months ended March 31, 2025, were $0.05, down from $0.06 in the previous year[49] Income and Expenses - Net interest income for the fourth quarter was $9.2 million, an increase from $8.6 million in the same quarter last year, with a net interest margin of 2.65%[10] - Total interest and dividend income for the three months ended March 31, 2025, was $14,494,000, a decrease of 4.2% from $15,127,000 for the previous quarter[45] - Net interest income after provision for credit losses for the twelve months ended March 31, 2025, was $36,244,000, down from $38,086,000 for the previous year, reflecting a decrease of 4.8%[45] - Non-interest income rose to $3.7 million in the fourth quarter, compared to $494,000 in the same quarter last year, contributing to a total of $14.3 million for fiscal 2025[16] - Non-interest income for the three months ended March 31, 2025, increased to $3,707,000, compared to $3,341,000 in the previous quarter, marking a growth of 11%[45] - Total non-interest expense for the three months ended March 31, 2025, was $11,438,000, an increase of 2.5% from $11,154,000 in the previous quarter[45] Loans and Assets - Total loans increased to $1.06 billion at March 31, 2025, up from $1.02 billion a year earlier, with new loan originations during the quarter at $49.4 million[20] - Loans receivable net of allowance for credit losses increased to $1.05 billion from $1.03 billion as of December 31, 2024, reflecting a growth of approximately 1.3%[44] - Total commercial and construction loans increased to $950,363,000 as of March 31, 2025, up from $925,907,000 a year earlier, representing a growth of 2.5%[47] - The total loans receivable, net, increased to $1,047,086,000 as of March 31, 2025, from $1,008,649,000 a year earlier, marking a growth of 3.8%[47] - As of March 31, 2025, Riverview Bancorp, Inc. has total assets of $1.51 billion, a slight increase from $1.51 billion on December 31, 2024[41] Deposits and Equity - Total deposits were $1.23 billion at March 31, 2025, unchanged from the previous year, with a $13.3 million increase during the quarter[23] - Total deposits as of March 31, 2025, increased to $1,232,328,000 from $1,219,002,000 in the previous quarter, reflecting a growth of 1.7%[46] - Shareholders' equity increased to $160.0 million at March 31, 2025, up from $158.3 million at December 31, 2024, and $155.6 million a year earlier[25] Asset Quality - Non-performing assets remained low at $155,000, or 0.01% of total assets, with no provision for credit losses recorded during the current quarter[11] - Non-performing loans totaled $155,000 or 0.01% of total loans as of March 31, 2025, down from $168,000 or 0.02% at December 31, 2024[26] - Total non-performing assets remained stable at $155,000 as of March 31, 2025, unchanged from the previous year[48] - The coverage ratio decreased to 80.37% as of March 31, 2025, from 84.17% a year earlier, reflecting a decline in the ability to cover non-performing assets[49] Capital and Liquidity - Riverview maintained a total risk-based capital ratio of 16.27% and a Tier 1 leverage ratio of 11.10% at March 31, 2025[30] - The company had approximately $471.3 million in available liquidity at March 31, 2025, including $174.0 million of borrowing capacity from the FHLB[31] - The uninsured deposit ratio was 23.4% at March 31, 2025, with available liquidity under both the FHLB and FRB borrowing lines covering 163.7% of estimated uninsured deposits[32] Operational Efficiency - The efficiency ratio for the fourth quarter was 88.7%, compared to 144.9% in the same quarter last year, indicating improved operational efficiency[18] - The efficiency ratio for the three months ended March 31, 2025, was 88.67%, compared to 90.48% for the same period in 2024, indicating improved operational efficiency[49] Recognition and Community Presence - Riverview Bancorp has maintained its position as a community bank with 17 branches, focusing on high-quality service and financial products[41] - The company has been recognized as the Best Bank by local readers for 11 consecutive years, highlighting its strong community presence[41] Risks and Forward-Looking Statements - Riverview Bancorp is subject to various risks including economic conditions, credit risks, and regulatory changes that could impact its financial performance[42] - The company does not undertake any obligation to revise forward-looking statements, emphasizing the uncertainty in future projections[43]

Core Insights - Riverview Bancorp (RVSB) reported quarterly earnings of $0.05 per share, exceeding the Zacks Consensus Estimate of $0.03 per share, and showing an increase from $0.04 per share a year ago, resulting in an earnings surprise of 66.67% [1] - The company achieved revenues of $12.9 million for the quarter ended March 2025, surpassing the Zacks Consensus Estimate by 4.03%, and up from $9.05 million year-over-year [2] - Riverview Bancorp shares have increased approximately 3% since the beginning of the year, contrasting with a -6% decline in the S&P 500 [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.05 on revenues of $13 million, and for the current fiscal year, it is $0.24 on revenues of $53.7 million [7] - The estimate revisions trend for Riverview Bancorp is mixed, leading to a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Context - The Financial - Savings and Loan industry, to which Riverview Bancorp belongs, is currently ranked in the top 17% of over 250 Zacks industries, suggesting a favorable outlook compared to lower-ranked industries [8]

Core Insights - Riverview Bancorp reported a net income of $1.1 million, or $0.05 per diluted share, for the fourth fiscal quarter ended March 31, 2025, a decrease from $1.2 million, or $0.06 per diluted share, in the previous quarter [2][4] - For fiscal 2025, net income increased to $4.9 million, or $0.23 per diluted share, compared to $3.8 million, or $0.18 per diluted share, for fiscal 2024 [3][9] - The company experienced a net interest income of $9.2 million for the quarter, up from $8.6 million in the same quarter last year, with a net interest margin of 2.65% [2][8] Financial Performance - Net interest income for fiscal 2025 was $36.3 million, down from $38.1 million in fiscal 2024, attributed to increased interest expenses [7] - Non-interest income rose to $3.7 million in the fourth quarter, compared to $494,000 in the same quarter last year, largely due to a strategic investment restructure [12] - Non-interest expense decreased to $11.4 million in the fourth quarter from $13.1 million a year ago, reflecting improved operational efficiency [14] Asset Quality - Non-performing assets remained low at $155,000, or 0.01% of total assets, consistent with the previous year [9][22] - The allowance for credit losses was stable at $15.4 million, representing 1.45% of total loans [26] Balance Sheet Highlights - Total loans increased to $1.06 billion at March 31, 2025, compared to $1.02 billion a year earlier [9][16] - Total deposits were $1.23 billion, unchanged from the previous year, with a notable increase in non-interest checking accounts [19] - Shareholders' equity rose to $160.0 million, with tangible book value per share increasing to $6.33 [21] Strategic Initiatives - The company completed a three-year strategic plan focusing on profitable growth and digital leadership, emphasizing employee and client engagement [5] - Riverview's loan production outperformed the previous four quarters, indicating a strong relationship-focused approach [4] Capital and Liquidity - Riverview maintained a total risk-based capital ratio of 16.27% and a Tier 1 leverage ratio of 11.10%, well above regulatory requirements [27] - The company had approximately $471.3 million in available liquidity, including borrowing capacity from the FHLB and the Federal Reserve Bank [28][29]

Financial Performance - Net income for the third fiscal quarter of 2025 was $1.2 million, or $0.06 per diluted share, down from $1.6 million, or $0.07 per diluted share in the previous quarter[1] - For the three months ended December 31, 2024, net income (GAAP) was $1,232,000, down from $1,557,000 in the previous quarter[29] - Net income for the three months ended December 31, 2024, was $1,232 thousand, a decrease of 20.8% from $1,557 thousand in the prior quarter[37] - Basic earnings per share for Q3 2025 was $0.06, compared to $0.07 in Q2 2024 and $0.32 in Q3 2023[41] Income and Revenue - Net interest income increased to $9.4 million for the quarter, compared to $8.9 million in the preceding quarter and $9.3 million in the same quarter a year ago[4] - Non-interest income was $3.3 million during the third fiscal quarter, compared to $3.8 million in the preceding quarter[9] - Total non-interest income for the nine months ended December 31, 2024, increased to $10,549 thousand, compared to $9,748 thousand for the same period in 2023, reflecting a growth of 8.2%[37] Loans and Credit Quality - Total loans decreased to $1.05 billion at December 31, 2024, down from $1.06 billion at September 30, 2024, but up from $1.02 billion a year earlier[13] - Non-performing loans (GAAP) increased to $469,000 as of December 31, 2024, from $450,000 in the previous quarter[31] - Non-performing loans increased to $469,000 as of December 31, 2024, compared to $186,000 a year earlier, representing a rise of 152.7%[38] - The allowance for credit losses was $15.4 million, representing 1.47% of total loans at December 31, 2024[22] - The allowance for credit losses to loans receivable (GAAP) was 1.47% as of December 31, 2024, slightly up from 1.46% in the previous quarter[32] Assets and Liabilities - Riverview's total assets were $1.51 billion as of December 31, 2024, down from $1.55 billion in the previous quarter[33] - Total assets decreased to $1,508,609 thousand as of December 31, 2024, down from $1,548,397 thousand at September 30, 2024, representing a decline of 2.57%[36] - Total liabilities decreased to $1,350,339 thousand as of December 31, 2024, down from $1,387,623 thousand at September 30, 2024, a reduction of 2.67%[36] Deposits - Total deposits were $1.22 billion at December 31, 2024, a decrease of $18.5 million from the previous quarter, but unchanged from a year ago[16] - Total deposits decreased to $1,219,002 as of December 31, 2024, down from $1,237,499 at September 30, 2024, a decline of 1.8%[39] Efficiency and Ratios - The efficiency ratio was 87.6% for the third fiscal quarter, compared to 83.7% for the previous quarter[12] - Efficiency ratio for Q3 2025 was 87.63%, up from 83.71% in Q2 2024 and 77.94% in Q3 2023[41] - Return on average assets decreased to 0.32% in Q3 2025 from 0.40% in Q2 2024 and 0.57% in Q3 2023[41] - The Tier 1 capital ratio to risk-weighted assets was 15.21% as of December 31, 2024, up from 14.88% at September 30, 2024[38] Dividends and Shareholder Equity - Riverview paid a quarterly cash dividend of $0.02 per share on January 14, 2025[18] - Total shareholders' equity decreased to $158,270 thousand as of December 31, 2024, from $160,774 thousand at September 30, 2024, a decline of 1.56%[36] - Book value per share remained stable at $7.49 in Q3 2025, consistent with Q2 2024 and Q3 2023[41] - Cash dividends declared per share were $0.0200 in Q3 2025, unchanged from Q2 2024 and Q3 2023[41] Stock and Market Performance - The company adopted a stock repurchase program allowing for the repurchase of up to $2.0 million in common stock, with 200,073 shares repurchased at an average price of $5.43 during Q3[26] - Market price per share closed at $5.74 at the end of Q3 2025, up from $4.71 in Q2 2024 and $6.40 in Q3 2023[41] - Average number of shares outstanding for basic shares was 21,037,246 in Q3 2025, slightly down from 21,097,580 in Q2 2024[41]

Core Insights - Riverview Bancorp (RVSB) reported quarterly earnings of $0.06 per share, exceeding the Zacks Consensus Estimate of $0.04 per share, but down from $0.07 per share a year ago, representing a 50% earnings surprise [1] - The company posted revenues of $12.73 million for the quarter ended December 2024, surpassing the Zacks Consensus Estimate by 1.02% and up from $12.38 million year-over-year [2] - Riverview Bancorp shares have underperformed the market, losing about 1.7% since the beginning of the year compared to the S&P 500's gain of 2.7% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.04 on revenues of $12.7 million, and for the current fiscal year, it is $0.18 on revenues of $49.6 million [7] - The estimate revisions trend for Riverview Bancorp is mixed, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market in the near future [6] Industry Context - The Financial - Savings and Loan industry, to which Riverview Bancorp belongs, is currently in the top 20% of over 250 Zacks industries, suggesting a favorable outlook compared to the bottom 50% [8]