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.
Flawless balance sheet second-rate dividend payer.
Share Price & News
How has Riverview Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: RIVE has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: RIVE underperformed the US Banks industry which returned -33.7% over the past year.
Return vs Market: RIVE underperformed the US Market which returned -14.9% over the past year.
Price Volatility Vs. Market
How volatile is Riverview Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StHere's What Riverview Financial Corporation's (NASDAQ:RIVE) P/E Ratio Is Telling Us
4 weeks ago | Simply Wall StWhy It Might Not Make Sense To Buy Riverview Financial Corporation (NASDAQ:RIVE) For Its Upcoming Dividend
1 month ago | Simply Wall StDoes Riverview Financial Corporation (NASDAQ:RIVE) Have A Good P/E Ratio?
Is Riverview Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: RIVE ($4.13) is trading above our estimate of fair value ($1.91)
Significantly Below Fair Value: RIVE is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: RIVE is poor value based on its PE Ratio (8.8x) compared to the Banks industry average (8.6x).
PE vs Market: RIVE is good value based on its PE Ratio (8.8x) compared to the US market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate RIVE's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: RIVE is good value based on its PB Ratio (0.3x) compared to the US Banks industry average (0.8x).
How is Riverview Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Riverview Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Riverview Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: RIVE has a large one-off loss of $2.9M impacting its December 31 2019 financial results.
Growing Profit Margin: RIVE's current net profit margins (9.1%) are lower than last year (20.8%).
Past Earnings Growth Analysis
Earnings Trend: RIVE's earnings have grown significantly by 35.3% per year over the past 5 years.
Accelerating Growth: RIVE's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: RIVE had negative earnings growth (-60.5%) over the past year, making it difficult to compare to the Banks industry average (10.9%).
Return on Equity
High ROE: RIVE's Return on Equity (3.6%) is considered low.
How is Riverview Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: RIVE has a low level of unsold assets or inventory.
Debt Coverage by Assets: RIVE's debt is covered by short term assets (assets are 7.6x debt).
Financial Institutions Analysis
Asset Level: RIVE's level of assets compared to its equity is low.
Allowance for Bad Loans: RIVE has a sufficient allowance for bad loans.
Low Risk Liabilities: RIVE's liabilities are made up of primarily low risk sources of funding.
Loan Level: RIVE has an acceptable proportion of non-loan assets held.
Low Risk Deposits: RIVE's loans are broadly funded by customer deposits.
Level of Bad Loans: RIVE has an appropriate level of bad loans (0.59%)
What is Riverview Financial's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: RIVE's dividend (7.26%) is higher than the bottom 25% of dividend payers in the US market (2.04%).
High Dividend: RIVE's dividend (7.26%) is in the top 25% of dividend payers in the US market (5.7%)
Stability and Growth of Payments
Stable Dividend: RIVE has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: RIVE has only been paying a dividend for 6 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (74.9%), RIVE's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Brett Fulk (50yo)
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 Rivervi ...
CEO Compensation Analysis
Compensation vs Market: Brett's total compensation ($USD612.85K) is about average for companies of similar size in the US market ($USD609.32K).
Compensation vs Earnings: Brett's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
|Senior EVP & CFO||3.67yrs||US$244.45k||0.053% $20.0k|
|Senior EVP & COO||1.25yrs||no data||0.10% $39.6k|
|Senior EVP & Chief Risk Officer||no data||no data||no data|
|Senior Executive VP & Chief Strategy Officer||1.08yrs||no data||0.011% $4.3k|
|Corporate Secretary||no data||no data||no data|
Experienced Management: RIVE's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
|Independent Director||2.5yrs||US$50.75k||0.13% $49.6k|
|Chairman of the Board||1.5yrs||US$47.25k||0.37% $142.2k|
|Independent Director||2.5yrs||US$45.75k||0.26% $98.0k|
|Independent Vice Chairman of the Board||2.5yrs||US$57.75k||0.34% $129.2k|
|Independent Director||11.33yrs||US$41.75k||0.39% $148.6k|
|Independent Director||8.08yrs||US$43.25k||0.22% $84.9k|
|Independent Director||6.42yrs||US$38.25k||0.46% $173.5k|
|Independent Director||4.33yrs||US$38.25k||0.050% $18.9k|
|Independent Director||2.5yrs||US$41.75k||0.038% $14.6k|
Experienced Board: RIVE's board of directors are considered experienced (3.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Riverview Financial Corporation's company bio, employee growth, exchange listings and data sources
- Name: Riverview Financial Corporation
- Ticker: RIVE
- Exchange: NasdaqGM
- Founded: 1900
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$38.105m
- Shares outstanding: 9.23m
- Website: https://www.riverviewbankpa.com
Number of Employees
- Riverview Financial Corporation
- 3901 North Front Street
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|RIVE||NasdaqGM (Nasdaq Global Market)||Yes||New Common Stock||US||USD||Nov 2013|
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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/05 10:38|
|End of Day Share Price||2020/04/03 00:00|
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.