Riverview Bancorp, Inc. (RVSB) Fair Value 2026

RVSB · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.0 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Riverview Bancorp, Inc. (RVSB) trades at $5.18, versus a $5.48 median fair value across its 5 active models — 5.8% above the current price. QOC: 7.0/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
RVSB
Price
$5.18
Quality Score
7.0/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: Earnings Power Value suggests +5.8% upside with 76% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Riverview Bancorp, Inc. (RVSB) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Riverview Bancorp, Inc. (RVSB) appears fairly valued as of : the median of 5 independent fair value estimates is $5.48, within 5.8% of the current price of $5.18. Estimates range from $1.04 to $6.45. RVSB scores 7.0/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. RVSB’s +5.8% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Riverview Bancorp, Inc. Stock in 2026? →

What Fair Value Does Each Model Give RVSB?

5 Intrinsic Value Models vs. Current Price ($5.18)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $5.48 +5.8%
Ensemble · Medium Conviction
 $4.80 -7.3%
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What Is RVSB's Fair Value Range?

Spread across 5 independent models · $1.04 to $6.45

CirclFi's 5 active models place Riverview Bancorp, Inc. (RVSB) between $1.04 and $6.45 per share, a spread of 99% of the median. The median of that range — $5.48 — is the fair value CirclFi publishes for RVSB, against a current price of $5.18.

Low · ML-RIVHigh · FTNN
$1.04median $5.48$6.45
Where the range comes from
Most bearish modelML Residual Income$1.04
Most bullish modelFTNN Topology$6.45
Model agreement3 bullish · 2 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on RVSB, not a CirclFi price target. How each model works →

What Is Riverview Bancorp, Inc. (RVSB) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Riverview Bancorp, Inc.'s intrinsic value is estimated at $5.48, suggesting a +5.8% median upside from the current price of $5.18. While 3 models see room for appreciation, model agreement is not unanimous as 2 models flag potential overvaluation. Model dispersion is worth noting: FTNN targets $6.45 (+24.6%), versus ML-RIV at $1.04 (-79.9%). This +104.5% range highlights the importance of multi-model analysis rather than relying on any single methodology. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About RVSB?

5 of 13 models are currently active for RVSB. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for RVSB is $5.48 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RVSB Rank in Banks - Regional?

Among 349 Banks - Regional stocks, RVSB ranks #300 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

As a lending environment, Riverview Bancorp, Inc. operates in a sector where return on tangible equity is a critical driver of valuation. Investors evaluating RVSB should weigh these sector-specific dynamics alongside our model-derived fair values.

Is RVSB a Value Trap?

CirclFi's Value Trap algorithm assigns RVSB a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Riverview Bancorp, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Riverview Bancorp, Inc.'s fundamental quality profile registers 7.0/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +104.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RVSB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RVSB's 5 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Riverview Bancorp, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CFFNCapitol Federal Financial, Inc.QOC 7.0WFWoori Financial Group Inc.QOC 7.0FCCOFirst Community CorporationQOC 7.0BCBPBCB Bancorp, Inc.QOC 7.0CIBGrupo Cibest S.A.QOC 7.1AVBHAvidbank Holdings, Inc.QOC 6.9FMBHFirst Mid Bancshares, Inc.QOC 8.6FMAOFarmers & Merchants Bancorp, Inc.QOC 8.2PBProsperity Bancshares, Inc.QOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CFFN · WF · FCCO · BCBP · CIB · AVBH · FMBH · FMAO · PB · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to RVSB?

7 companies across all industries closest to RVSB’s Quality of Company score of 7.0/10.

DHDefinitive Healthcare Corp.QOC 7.0EVLVEvolv Technologies Holdings, Inc.QOC 7.0AOUTAmerican Outdoor Brands, Inc.QOC 7.0PEBPebblebrook Hotel TrustQOC 7.0CTOSCustom Truck One Source, Inc.QOC 7.0TALKTalkspace IncQOC 7.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: DH · EVLV · AOUT · PEB · CTOS · TALK · NVDA

Where Does RVSB Sit in CirclFi's Banks - Regional Rankings?

RVSB is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Riverview Bancorp, Inc.’s Valuation?

What is Riverview Bancorp, Inc.'s intrinsic value in 2026?

CirclFi puts Riverview Bancorp, Inc. (RVSB)'s intrinsic value at $5.48 — the median of 5 independent model estimates as of 2026-08-27, ranging from $1.04 to $6.45. The Quality of Company score is 7.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RVSB overvalued or undervalued right now?

At $5.18, 3 of 5 active models suggest RVSB may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $5.48, within 5.8% of the current price of $5.18 — a consensus view that RVSB is fairly valued. The assessment depends on which methodology best fits Riverview Bancorp, Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.0 mean for RVSB?

Riverview Bancorp, Inc.'s QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RVSB?

CirclFi analyzes RVSB with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RVSB?

Of the 5 models currently active on RVSB, FTNN Topology is the most bullish at $6.45 per share, and ML Residual Income is the most bearish at $1.04. CirclFi's published fair value for RVSB is the median of that range, $5.48, not either extreme. The gap between the two ends equals 99% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is RVSB a value trap in 2026?

Riverview Bancorp, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Riverview Bancorp, Inc. (RVSB) has a median fair value of $5.48 — within 5.8% of the current price of $5.18 — as of 2026-08-27.” Source: circlfi.com/stock/RVSB/ · Methodology
Primary sources for this RVSB valuation
  • Financial statements: Riverview Bancorp, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001041368) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RVSB as of ; valuations recomputed .

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