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Riverview Bancorp (Riverview Bancorp) E10 : $0.71 (As of Dec. 2023)


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What is Riverview Bancorp E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Riverview Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was $0.070. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.71 for the trailing ten years ended in Dec. 2023.

During the past 12 months, Riverview Bancorp's average E10 Growth Rate was 6.00% per year. During the past 3 years, the average E10 Growth Rate was 36.70% per year. During the past 5 years, the average E10 Growth Rate was 78.40% per year. During the past 10 years, the average E10 Growth Rate was 10.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Riverview Bancorp was 110.50% per year. The lowest was -46.90% per year. And the median was -10.45% per year.

As of today (2024-06-02), Riverview Bancorp's current stock price is $4.26. Riverview Bancorp's E10 for the quarter that ended in Dec. 2023 was $0.71. Riverview Bancorp's Shiller PE Ratio of today is 6.00.

During the past 13 years, the highest Shiller PE Ratio of Riverview Bancorp was 321.00. The lowest was 5.44. And the median was 22.35.


Riverview Bancorp E10 Historical Data

The historical data trend for Riverview Bancorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Riverview Bancorp E10 Chart

Riverview Bancorp Annual Data
Trend Mar15 Mar16 Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.27 0.28 0.59 0.69 -

Riverview Bancorp Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.69 0.70 0.71 0.71 -

Competitive Comparison of Riverview Bancorp's E10

For the Banks - Regional subindustry, Riverview Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Riverview Bancorp's Shiller PE Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Riverview Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Riverview Bancorp's Shiller PE Ratio falls into.



Riverview Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Riverview Bancorp's adjusted earnings per share data for the three months ended in Dec. 2023 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2023 (Change)*Current CPI (Dec. 2023)
=0.07/129.4194*129.4194
=0.070

Current CPI (Dec. 2023) = 129.4194.

Riverview Bancorp Quarterly Data

per share eps CPI Adj_EPS
201403 0.740 99.695 0.961
201406 0.030 100.560 0.039
201409 0.050 100.428 0.064
201412 0.050 99.070 0.065
201503 0.070 99.621 0.091
201506 0.070 100.684 0.090
201509 0.070 100.392 0.090
201512 0.080 99.792 0.104
201603 0.060 100.470 0.077
201606 0.080 101.688 0.102
201609 0.070 101.861 0.089
201612 0.090 101.863 0.114
201703 0.090 102.862 0.113
201706 0.120 103.349 0.150
201709 0.140 104.136 0.174
201712 0.070 104.011 0.087
201803 0.130 105.290 0.160
201806 0.200 106.317 0.243
201809 0.190 106.507 0.231
201812 0.190 105.998 0.232
201903 0.190 107.251 0.229
201906 0.180 108.070 0.216
201909 0.200 108.329 0.239
201912 0.180 108.420 0.215
202003 0.130 108.902 0.154
202006 0.020 108.767 0.024
202009 0.110 109.815 0.130
202012 0.180 109.897 0.212
202103 0.150 111.754 0.174
202106 0.260 114.631 0.294
202109 0.290 115.734 0.324
202112 0.250 117.630 0.275
202203 0.190 121.301 0.203
202206 0.210 125.017 0.217
202209 0.240 125.227 0.248
202212 0.240 125.222 0.248
202303 0.140 127.348 0.142
202306 0.130 128.729 0.131
202309 0.120 129.860 0.120
202312 0.070 129.419 0.070

Add all the adjusted EPS together and divide 10 will get our e10.


Riverview Bancorp  (NAS:RVSB) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Riverview Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=4.26/0.71
=6.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Riverview Bancorp was 321.00. The lowest was 5.44. And the median was 22.35.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Riverview Bancorp E10 Related Terms

Thank you for viewing the detailed overview of Riverview Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Riverview Bancorp (Riverview Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
900 Washington Street, Suite 900, Vancouver, WA, USA, 98660
Riverview Bancorp Inc is an American savings and loan holding company. The company through its subsidiaries engages in the business of attracting deposits and puts it to use in its market area to originate commercial business. It organizes in two operating segments, Banking Operations performed by the bank and trust and Investment Services performed by the Trust company. The company products and services include checking, saving, money market, mortgage, home equity, consumer, online banking, cash management, and others.
Executives
Robert Benke officer: EVP/CCO 900 WASHINGTON ST, STE 900, VANCOUVER WA 98660
Valerie Moreno director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Michael Sventek officer: EVP/CLO 900 WASHINGTON ST, SUITE 900, VANCOUVER WA 98660
Stacey Graham director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Bradley Carlson director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Bessie Ross Wills director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Sowers Courtney Evan officer: President/CEO - Trust Co. 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Larry Hoff director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Tracie L. Jellison officer: Chief Retail Banking Officer 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
Patricia Eby director 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660
John A Karas officer: Sr. Vice President 900 WASHINGTON ST, SUITE 900, VANCOUVER WA 98660
Martin S. Friedman 10 percent owner, other: See Remarks below 7901 JONES BRANCH DR. SUITE 210, MCLEAN VA 22102
David Nierenberg director 19605 NE 8TH STREET, CAMAS WA 98607
Kim J Capeloto officer: Executive Vice President 900 WASHINGTON ST., SUITE 900, VANCOUVER WA 98660
Daniel D Cox officer: EVP, Chief Credit Officer 900 WASHINGTON STREET, SUITE 900, VANCOUVER WA 98660

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