NasdaqGM:RIVE

Stock Analysis Report

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Executive Summary

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. More Details

Risk Analysis

Does not have a meaningful market cap ($66M)



Snowflake Analysis

Excellent balance sheet and overvalued.


Similar Companies

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.


Market Performance


7 Day Return

0.3%

RIVE

-2.6%

US Banks

-0.7%

US Market


1 Year Return

-37.4%

RIVE

-27.1%

US Banks

19.9%

US Market

Return vs Industry: RIVE underperformed the US Banks industry which returned -27.1% over the past year.

Return vs Market: RIVE underperformed the US Market which returned 19.9% over the past year.


Shareholder returns

RIVEIndustryMarket
7 Day0.3%-2.6%-0.7%
30 Day-8.6%1.0%5.8%
90 Day7.2%1.8%8.3%
1 Year-35.9%-37.4%-24.4%-27.1%22.7%19.9%
3 Year-40.5%-45.3%-18.2%-25.0%43.5%33.9%
5 Year-35.0%-45.4%17.3%2.7%86.9%65.8%

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

Valuation

Is Riverview Financial undervalued compared to its fair value and its price relative to the market?

0.7x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: RIVE ($7.1) is trading above our estimate of fair value ($1.09)

Significantly Below Fair Value: RIVE is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: RIVE is unprofitable, so we can't compare its PE Ratio to the US Banks industry average.

PE vs Market: RIVE is unprofitable, so we can't compare its PE Ratio to the US market.


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 (0.7x) compared to the US Banks industry average (0.8x).


Next Steps

Future Growth

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

16.1%

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.


Next Steps

Past Performance

How has Riverview Financial performed over the past 5 years?

1.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: RIVE is currently unprofitable.

Growing Profit Margin: RIVE is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: RIVE is unprofitable, but has reduced losses over the past 5 years at a rate of 1.8% per year.

Accelerating Growth: Unable to compare RIVE's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: RIVE is unprofitable, making it difficult to compare its past year earnings growth to the Banks industry (-3%).


Return on Equity

High ROE: RIVE has a negative Return on Equity (-21.12%), as it is currently unprofitable.


Next Steps

Financial Health

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


Balance Sheet


Financial Institutions Analysis

Asset Level: RIVE's Assets to Equity ratio (14.3x) is moderate.

Allowance for Bad Loans: RIVE has a low allowance for bad loans (75%).

Low Risk Liabilities: 82% of RIVE's liabilities are made up of primarily low risk sources of funding.

Loan Level: RIVE has an appropriate level of Loans to Assets ratio (86%).

Low Risk Deposits: RIVE's Loans to Deposits ratio (113%) is appropriate.

Level of Bad Loans: RIVE has an appropriate level of bad loans (1.1%).


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate RIVE's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate RIVE's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if RIVE's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if RIVE's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: RIVE is not paying a notable dividend for the US market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of RIVE's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.8yrs

Average management tenure


CEO

Brett Fulk (51 yo)

1.75yrs

Tenure

US$556,309

Compensation

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 ($USD556.31K) is about average for companies of similar size in the US market ($USD585.94K).

Compensation vs Earnings: Brett's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Brett Fulk
President1.75yrsUS$556.31k0.54%
$ 352.1k
Scott Seasock
Senior EVP & CFO4.17yrsUS$228.07k0.052%
$ 34.4k
Ginger Kunkel
Senior EVP & COO1.75yrsUS$250.70k0.16%
$ 106.5k
Steven Ehrlich
Consultant1.58yrsUS$224.78k0.011%
$ 7.4k
Melinda Aungst
Executive Administrator & Corporate Secretaryno datano datano data
LeeAnn Gephart
Executive VP & Chief Marketing Officerno datano datano data
Theresa Wasko
Finance Planning Officer & Senior VP11.75yrsno datano data
Richard Ogden
Senior EVP & Chief Risk Officerno datano datano data
Joseph Kelly
Senior VP & Commercial Market Executiveno datano datano data
Connie Hooks
BSA Officer & Senior VPno datano datano data
Dean Sanders
Information Security Officer & Senior VPno datano datano data
Robert Weidler
Controller & Senior VPno dataUS$134.10kno data

1.8yrs

Average Tenure

60yo

Average Age

Experienced Management: RIVE's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Brett Fulk
President1.75yrsUS$556.31k0.54%
$ 352.1k
John Soult
Independent Chairman of the Board2yrsUS$49.95k0.37%
$ 244.5k
Kevin McMillen
Independent Director3yrsUS$45.05k0.26%
$ 168.5k
David Hoover
Independent Vice Chairman of the Board3yrsUS$56.35k0.34%
$ 222.1k
Joseph Kerwin
Independent Director11.83yrsUS$38.05k0.44%
$ 290.2k
Paula Cherry
Independent Director3yrsUS$35.05k0.22%
$ 144.6k
Marlene Sample
Independent Director3yrsUS$34.55k0.12%
$ 77.6k
Howard Greenawalt
Independent Director8.58yrsUS$39.95k0.24%
$ 156.6k
Albert Evans
Independent Director6.92yrsUS$35.55k0.48%
$ 314.9k
Timothy Resh
Independent Director4.83yrsUS$34.95k0.049%
$ 32.5k
Maureen Gathagan
Independent Director3yrsUS$38.05k0.050%
$ 32.6k

3.0yrs

Average Tenure

59yo

Average Age

Experienced Board: RIVE's board of directors are considered experienced (3 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Riverview Financial Corporation's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Riverview Financial Corporation
  • Ticker: RIVE
  • Exchange: NasdaqGM
  • Founded: 1900
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$65.773m
  • Shares outstanding: 9.26m
  • Website: https://www.riverviewbankpa.com

Number of Employees


Location

  • Riverview Financial Corporation
  • 3901 North Front Street
  • Harrisburg
  • Pennsylvania
  • 17110
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
RIVENasdaqGM (Nasdaq Global Market)YesNew Common StockUSUSDNov 2013

Biography

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 ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/19 05:55
End of Day Share Price2020/10/16 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.