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Riverview Financial

Nasdaq:RIVE
Snowflake Description

Flawless balance sheet second-rate dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
RIVE
Nasdaq
$96M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Riverview Financial Corporation operates as the bank holding company for Riverview Bank that provides various consumer and commercial banking products and services to individuals, municipalities, small to medium sized businesses, and nonprofit entities in the United States. The last earnings update was 74 days ago. More info.


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RIVE Share Price and Events
7 Day Returns
0%
NasdaqGM:RIVE
-0%
US Banks
-1.2%
US Market
1 Year Returns
-18%
NasdaqGM:RIVE
-8%
US Banks
3.3%
US Market
RIVE Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Riverview Financial (RIVE) 0% -1.9% -6.3% -18% -5.9% -20.5%
US Banks -0% 2.7% -0.8% -8% 45.6% 46.1%
US Market -1.2% 0.8% 0.9% 3.3% 35.9% 41.7%
1 Year Return vs Industry and Market
  • RIVE underperformed the Banks industry which returned -8% over the past year.
  • RIVE underperformed the Market in United States of America which returned 3.3% over the past year.
Price Volatility
RIVE
Industry
5yr Volatility vs Market
Related Companies

RIVE Value

 Is Riverview Financial undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Riverview Financial to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Riverview Financial.

NasdaqGM:RIVE Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $12.40 * 3%
$0.38
Book Value of Equity per Share Median Book Value from the past 5 years. $12.40
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGM:RIVE
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.6
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.597 (1 + (1- 21%) (7.19%))
0.752
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.8
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (0.8 * 5.96%)
7.5%

Discounted Cash Flow Calculation for NasdaqGM:RIVE using Excess Returns Model Model

The calculations below outline how an intrinsic value for Riverview Financial is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGM:RIVE Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (3% – 7.5%) * $12.40)
$-0.55
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-0.55 / (7.5% - 2.73%)
$-11.60
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $12.40 + $-11.60
$0.8
NasdaqGM:RIVE Discount to Share Price
Calculation Result
Value per share (USD) From above. $0.80
Current discount Discount to share price of $10.50
= -1 x ($10.50 - $0.80) / $0.80
-1215.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Riverview Financial is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Riverview Financial's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Riverview Financial's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:RIVE PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.81
NasdaqGM:RIVE Share Price ** NasdaqGM (2019-07-19) in USD $10.5
United States of America Banks Industry PE Ratio Median Figure of 595 Publicly-Listed Banks Companies 12.72x
United States of America Market PE Ratio Median Figure of 3,082 Publicly-Listed Companies 17.86x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Riverview Financial.

NasdaqGM:RIVE PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:RIVE Share Price ÷ EPS (both in USD)

= 10.5 ÷ 0.81

13x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Riverview Financial is overvalued based on earnings compared to the US Banks industry average.
  • Riverview Financial is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does Riverview Financial's expected growth come at a high price?
Raw Data
NasdaqGM:RIVE PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 13x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
12.3%per year
United States of America Banks Industry PEG Ratio Median Figure of 271 Publicly-Listed Banks Companies 1.19x
United States of America Market PEG Ratio Median Figure of 2,119 Publicly-Listed Companies 1.57x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Riverview Financial, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Riverview Financial's assets?
Raw Data
NasdaqGM:RIVE PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $12.40
NasdaqGM:RIVE Share Price * NasdaqGM (2019-07-19) in USD $10.5
United States of America Banks Industry PB Ratio Median Figure of 595 Publicly-Listed Banks Companies 1.2x
United States of America Market PB Ratio Median Figure of 5,248 Publicly-Listed Companies 1.79x
NasdaqGM:RIVE PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:RIVE Share Price ÷ Book Value per Share (both in USD)

= 10.5 ÷ 12.40

0.85x

* Primary Listing of Riverview Financial.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Riverview Financial is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess Riverview Financial's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Riverview Financial has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

RIVE Future Performance

 How is Riverview Financial expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Riverview Financial, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
12.3%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Riverview Financial expected to grow at an attractive rate?
  • Riverview Financial's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Riverview Financial's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Riverview Financial's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:RIVE Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:RIVE Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 12.3%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.8%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:RIVE Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:RIVE Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 50 9 7
2018-12-31 52 12 11
2018-09-30 50 7 3
2018-06-30 43 4 1
2018-03-31 36 1 -2
2017-12-31 27 -1 -5
2017-09-30 21 2 1
2017-06-30 21 1 1
2017-03-31 21 3 2
2016-12-31 21 4 3
2016-09-30 20 3 2
2016-06-30 18 5 2

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Riverview Financial's earnings are expected to grow by 12.3% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Riverview Financial is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:RIVE Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Riverview Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:RIVE Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.81
2018-12-31 1.19
2018-09-30 0.38
2018-06-30 0.13
2018-03-31 -0.24
2017-12-31 -0.91
2017-09-30 0.16
2017-06-30 0.35
2017-03-31 0.58
2016-12-31 0.95
2016-09-30 0.70
2016-06-30 0.62

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Riverview Financial will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Riverview Financial's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Riverview Financial has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

RIVE Past Performance

  How has Riverview Financial performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Riverview Financial's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Riverview Financial has delivered over 20% year on year earnings growth in the past 5 years.
  • Riverview Financial has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • Riverview Financial has become profitable in the last year making it difficult to compare the US Banks industry average.
Earnings and Revenue History
Riverview Financial's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Riverview Financial Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:RIVE Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 50.16 7.36 28.80
2018-12-31 52.15 10.86 26.64
2018-09-30 50.26 3.46 25.07
2018-06-30 43.14 1.08 22.95
2018-03-31 35.54 -1.59 20.11
2017-12-31 27.15 -4.81 17.14
2017-09-30 20.68 0.61 13.86
2017-06-30 20.80 1.18 13.19
2017-03-31 20.90 1.91 12.45
2016-12-31 21.36 3.07 11.67
2016-09-30 19.81 2.17 11.29
2016-06-30 18.46 1.82 9.72
2016-03-31 16.69 -0.38 12.22
2015-12-31 16.17 -0.75 12.83
2015-09-30 16.85 0.16 13.11
2015-06-30 16.85 0.20 14.84
2015-03-31 17.74 2.09 12.64
2014-12-31 17.90 2.72 12.19
2014-09-30 16.17 2.15 12.41
2014-06-30 14.79 1.97 11.39
2014-03-31 13.26 1.99 10.42
2013-12-31 11.85 1.46 9.59
2013-09-30 11.80 1.69 8.15
2013-06-30 11.24 1.42 8.09
2013-03-31 10.69 1.25 7.94
2012-12-31 11.07 1.66 7.76
2012-09-30 10.65 1.62 7.46

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Riverview Financial has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Riverview Financial used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Riverview Financial improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Riverview Financial's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Riverview Financial has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

RIVE Health

 How is Riverview Financial's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Riverview Financial's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Riverview Financial Company Filings, last reported 3 months ago.

NasdaqGM:RIVE Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 113.49 6.91 68.10
2018-12-31 113.91 6.89 53.82
2018-09-30 112.03 13.02 56.82
2018-06-30 110.47 13.09 36.62
2018-03-31 108.40 13.16 59.85
2017-12-31 106.26 19.23 13.45
2017-09-30 57.38 43.75 19.17
2017-06-30 57.52 41.59 15.68
2017-03-31 57.09 41.07 22.40
2016-12-31 41.92 42.65 8.92
2016-09-30 44.16 17.26 16.12
2016-06-30 43.72 15.40 14.80
2016-03-31 42.98 36.40 25.34
2015-12-31 42.30 51.93 13.36
2015-09-30 36.72 30.68 15.25
2015-06-30 36.30 24.00 15.85
2015-03-31 38.30 29.00 17.20
2014-12-31 38.21 19.50 6.77
2014-09-30 38.34 17.68 15.52
2014-06-30 38.06 22.71
2014-03-31 36.23 10.00 19.36
2013-12-31 36.23 10.00 19.36
2013-09-30 26.67 7.00 17.74
2013-06-30 26.74 7.00 22.58
2013-03-31 26.77 9.55 18.40
2012-12-31 26.74 20.55 9.59
2012-09-30
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Riverview Financial has an acceptable proportion of non-loan assets held.
  • Riverview Financial's liabilities are made up of primarily low risk sources of funding.
  • Loans at Riverview Financial are broadly funded by customer deposits.
  • Riverview Financial's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).
  • Riverview Financial has a sufficient allowance for bad loans.
  • Riverview Financial has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Riverview Financial's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Riverview Financial has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

RIVE Dividends

 What is Riverview Financial's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.81%
Current annual income from Riverview Financial dividends.
If you bought $2,000 of Riverview Financial shares you are expected to receive $76 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Riverview Financial's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.44%).
  • Riverview Financial's dividend is above the markets top 25% of dividend payers in United States of America (3.78%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:RIVE Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:RIVE Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-03-01 0.400 3.646
2018-11-15 0.400 3.371
2018-08-24 0.400 2.898
2018-05-25 0.400 3.108
2018-03-14 0.000 0.000
2017-12-04 0.550 4.150
2017-08-22 0.550 4.188
2017-05-19 0.550 4.124
2017-03-02 0.550 4.316
2016-11-17 0.550 4.698
2016-08-22 0.550 4.781
2016-05-23 0.550 4.748
2016-03-30 0.550 4.869
2015-03-31 0.550 4.407
2014-11-20 0.570 4.033
2014-08-22 0.570 4.503
2014-03-31 0.550 4.984

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Riverview Financial has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Riverview Financial has only been paying a dividend for 5 years, and since then dividends per share have fallen.
Current Payout to shareholders
What portion of Riverview Financial's earnings are paid to the shareholders as a dividend.
  • Dividends paid are well covered by earnings (2x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Riverview Financial's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Riverview Financial afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Riverview Financial has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

RIVE Management

 What is the CEO of Riverview Financial's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Brett Fulk
COMPENSATION $612,850
AGE 50
TENURE AS CEO 0.5 years
CEO Bio

Mr. Brett D. Fulk has been the President and Director of Riverview Financial Corporation and Riverview Bank since June 30, 2015. He is Chief Executive Officer of Riverview Financial Corporation and Riverview Bank since January 2, 2019. Mr. Fulk served as the Chief Operating Officer of Riverview Bank and Riverview Financial Corporation from July 2011 to June 30, 2015. He has 21 years banking experience. Mr. Fulk served with Susquehanna Bank and Community Banks. From November 2007 to June 2011, Mr. Fulk served as a Managing Director of Commercial Services, Pennsylvania division, Regional Executive, and Region President for Susquehanna Bank. From 1990 to 2007, Mr. Fulk served in the capacity of Region President in both the Northcentral PA and York Regions for CommunityBanks (which was acquired by Susquehanna Bank). He served as Treasurer of the Schuylkill Economic Development Corporation and Ned Smith Center for Nature & Art. He serves on the Board of Kimmel s Evangelical Free Church in Orwigsburg and Schuylkill Economic Development Corporation. Mr. Fulk served as a Board Member of Ned Smith Center for Nature & Art, Schuylkill Chamber of Commerce, Schuylkill County Industrial Development Authority Board Member and Blue Mountain Eagle Foundation. He graduated from Shippensburg University of PA with a Bachelors Degree in Business Administration. He is also a graduate of the Bucknell School of Commercial Banking.

CEO Compensation
  • Brett's compensation has increased in line with Riverview Financial recently becoming profitable.
  • Brett's remuneration is about average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the Riverview Financial management team in years:

0.5
Average Tenure
59
Average Age
  • The average tenure for the Riverview Financial management team is less than 2 years, this suggests a new team.
Management Team

Brett Fulk

TITLE
President
COMPENSATION
$613K
AGE
50
TENURE
0.5 yrs

Scott Seasock

TITLE
Senior EVP & CFO
COMPENSATION
$244K
AGE
61
TENURE
2.9 yrs

Ginger Kunkel

TITLE
Senior EVP & COO
TENURE
0.5 yrs

Judy Mitchell

TITLE
Executive VP

Rick Ogden

TITLE
Senior EVP & Chief Risk Officer
AGE
61

Steven Ehrlich

TITLE
Senior Executive VP & Chief Strategy Officer
AGE
57
TENURE
0.3 yrs

Kathy Paul

TITLE
Corporate Secretary
Board of Directors Tenure

Average tenure and age of the Riverview Financial board of directors in years:

2.7
Average Tenure
56.5
Average Age
  • The average tenure for the Riverview Financial board of directors is less than 3 years, this suggests a new board.
Board of Directors

John Soult

TITLE
Chairman of the Board
COMPENSATION
$47K
AGE
55
TENURE
0.8 yrs

Brett Fulk

TITLE
President
COMPENSATION
$613K
AGE
50
TENURE
4.1 yrs

David Hoover

TITLE
Vice Chairman of the Board
COMPENSATION
$58K
AGE
58
TENURE
1.8 yrs

Joseph Kerwin

TITLE
Director
COMPENSATION
$42K
AGE
55
TENURE
10.6 yrs

Mike Greenawalt

TITLE
Director
COMPENSATION
$43K
AGE
66
TENURE
7.3 yrs

B.J. Evans

TITLE
Director
COMPENSATION
$38K
AGE
51
TENURE
5.7 yrs

Maureen Gathagan

TITLE
Director
COMPENSATION
$42K
AGE
45
TENURE
1.8 yrs

Bill Wood

TITLE
Director
COMPENSATION
$51K
AGE
71
TENURE
1.8 yrs

Kevin McMillen

TITLE
Director
COMPENSATION
$46K
AGE
70
TENURE
1.8 yrs

Tim Resh

TITLE
Director
COMPENSATION
$38K
AGE
65
TENURE
3.6 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Riverview Financial individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
05. Jun 19 Buy Maureen Gathagan Individual 04. Jun 19 04. Jun 19 100 $11.40 $1,140
21. Feb 19 Buy Brett Fulk Individual 20. Feb 19 20. Feb 19 1,712 $11.68 $19,988
13. Feb 19 Buy Brett Fulk Individual 08. Feb 19 08. Feb 19 2,785 $9.92 $27,637
13. Feb 19 Buy Joseph Kerwin Individual 15. Aug 18 15. Aug 18 133 $13.45 $1,789
11. Feb 19 Buy Maureen Gathagan Individual 08. Feb 19 08. Feb 19 330 $12.22 $4,031
31. Jan 19 Buy Albert Evans Individual 30. Jan 19 30. Jan 19 1,625 $12.00 $19,500
29. Jan 19 Buy Timothy Resh Individual 29. Jan 19 29. Jan 19 1,050 $13.00 $13,650
16. Jan 19 Buy Kirk Fox Individual 23. Nov 18 31. Dec 18 319 $13.40 $4,262
16. Jan 19 Buy Brett Fulk Individual 31. Oct 18 23. Nov 18 915 $13.40 $12,021
16. Jan 19 Sell Brett Fulk Individual 20. Aug 18 20. Aug 18 -2,166 $13.30 $-28,806
30. Oct 18 Buy Maureen Gathagan Individual 26. Oct 18 26. Oct 18 340 $13.10 $4,453
X
Management checks
We assess Riverview Financial's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Riverview Financial has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

RIVE News

Simply Wall St News

Those Who Purchased Riverview Financial (NASDAQ:RIVE) Shares A Year Ago Have A 17% Loss To Show For It

Investors in Riverview Financial Corporation (NASDAQ:RIVE) have tasted that bitter downside in the last year, as the share price dropped 17%. … One way to examine how market sentiment has changed over time is to look at the interaction between a company's share price and its earnings per share (EPS). … During the last year Riverview Financial grew its earnings per share, moving from a loss to a profit.

Simply Wall St -

Why You Might Be Interested In Riverview Financial Corporation (NASDAQ:RIVE) For Its Upcoming Dividend

Riverview Financial's next dividend payment will be US$0.10 per share, and in the last 12 months, the company paid a total of US$0.40 per share. … Last year's total dividend payments show that Riverview Financial has a trailing yield of 3.6% on the current share price of $11.25. … View our latest analysis for Riverview Financial Dividends are typically paid out of company income, so if a company pays out more than it earned, its dividend is usually at a higher risk of being cut.

Simply Wall St -

How Does Riverview Financial Corporation (NASDAQ:RIVE) Fare As A Dividend Stock?

Dividend paying stocks like Riverview Financial Corporation (NASDAQ:RIVE) tend to be popular with investors, and for good reason - some research shows that a significant amount of all stock market returns come from reinvested dividends.. … Unfortunately, one common occurrence with dividend companies is for investors to be enticed in by the seemingly attractive yield, and lose money when the company has to cut its dividend payments.. … In this case, Riverview Financial likely looks attractive to dividend investors, given its 3.6% dividend yield and five-year payment history.!

Simply Wall St -

Can Riverview Financial Corporation (NASDAQ:RIVE) Survive The Next Financial Crisis?

Riverview Financial Corporation’s (NASDAQ:RIVE) profitability and risk are largely affected by the underlying economic growth for the region it operates in US given it is a small-cap stock with a market capitalisation of US$108m. … Following the Financial Crisis in 2008, a set of reforms termed Basel III was enforced to bolster risk management, regulation, and supervision in the financial services industry. … Basel III target banking regulations to improve the sector’s ability to absorb shocks resulting from economic stress which may expose financial institutions like Riverview Financial to vulnerabilities.

Simply Wall St -

2 Days Left To Cash In On Riverview Financial Corporation (NASDAQ:RIVE) Dividend

If you are interested in cashing in on Riverview Financial Corporation's (NASDAQ:RIVE) upcoming dividend of US$0.10 per share, you only have 2 days left to buy the shares before its ex-dividend date, 13 December 2018, in time for dividends payable on the 31 December 2018. … Below, I will explain how holding Riverview Financial can impact your portfolio income stream, by analysing the stock's most recent financial data and dividend attributes. … Has it consistently paid a stable dividend without missing a payment or drastically cutting payout?

Simply Wall St -

Should We Worry About Riverview Financial Corporation's (NASDAQ:RIVE) P/E Ratio?

We'll look at Riverview Financial Corporation's (NASDAQ:RIVE) P/E ratio and reflect on what it tells us about the company's share price. … Riverview Financial has a P/E ratio of 34.29, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Financial Metrics For Riverview Financial Corporation (NASDAQ:RIVE)

As a small-cap finance stock with a market capitalisation of US$119m, the risk and profitability of Riverview Financial Corporation (NASDAQ:RIVE) are largely tied to the underlying economic growth of the region it operates in US. … Basel III target banking regulations to improve the sector’s ability to absorb shocks resulting from economic stress which may expose financial institutions like Riverview Financial to vulnerabilities. … High liquidity and low leverage could position Riverview Financial favourably at the face of macro headwinds.

Simply Wall St -

RIVE Company Info

Description

Riverview Financial Corporation operates as the bank holding company for Riverview Bank that provides various consumer and commercial banking products and services to individuals, municipalities, small to medium sized businesses, and nonprofit entities in the United States. It accepts money market, NOW, savings, individual retirement, and investment accounts; demand and time deposits, certificates of deposit, and noninterest bearing deposits; and provides remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, night depository, direct deposit, and official check services, as well as safe deposit boxes. It offers one-to-four family residential mortgages, consumer, automobile, home equity, educational, lines of credit, residential and commercial real estate, manufactured housing, personal, student, home equity, working capital, construction, and agricultural loans; and loans for equipment and other commercial needs, and mineral rights. In addition, it provides mortgage banking and financial advisory services; and trust and investment services comprising investment management, IRA trustee, estate administration, living trust, trustee under will, guardianship, life insurance trust, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it offers wealth management products and services, such as investment portfolio management, brokerage, annuities, business succession planning, insurance, education funding strategies, and estate and tax planning assistance; and securities, stocks, bonds, and mutual funds. As of March 18, 2019, it operated through 28 community banking offices and 4 limited purpose offices in the Berks, Blair, Centre, Clearfield, Dauphin, Huntingdon, Lebanon, Lycoming, Northumberland, Perry, Schuylkill, and Somerset counties of Pennsylvania. The company was founded in 1900 and is headquartered in Harrisburg, Pennsylvania.

Details
Name: Riverview Financial Corporation
RIVE
Exchange: NasdaqGM
Founded: 1900
$96,127,311
9,154,982
Website: http://www.riverviewbankpa.com
Address: Riverview Financial Corporation
3901 North Front Street,
Harrisburg,
Pennsylvania, 17110,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM RIVE New Common Stock Nasdaq Global Market US USD 05. Nov 2013
Number of employees
Current staff
Staff numbers
310
Riverview Financial employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/22 04:44
End of day share price update: 2019/07/19 00:00
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.