DDM Analysis: RVSB

Valuation Snapshot

Stable Growth	$1.81 - $2.70	$2.23
Multi-Stage	$3.41 - $3.75	$3.57
Blended Fair Value	$2.90
Current Price	$5.37
Upside	-45.94%
Decision	Don't Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
DPS	-9.07%	0.00%	0.12	0.24	0.24	0.22	0.21	0.19	0.15	0.10	0.09	0.06
YoY Growth	-	-	-50.14%	-0.72%	9.57%	4.29%	9.89%	28.83%	47.80%	18.95%	42.66%	0.00%
Dividend Yield	-	-	2.19%	6.00%	4.84%	3.38%	3.01%	3.44%	1.82%	1.21%	1.29%	1.27%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	4.70
(-) Cash Dividends Paid (M)	1.69
(=) Cash Retained (M)	3.02

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	0.94	0.59	0.35
Cash Retained (M)	3.02	3.02	3.02
(-) Cash Required (M)	-0.94	-0.59	-0.35
(=) Excess Retained (M)	2.08	2.43	2.67
(/) Shares Outstanding (M)	20.99	20.99	20.99
(=) Excess Retained per Share	0.10	0.12	0.13
LTM Dividend per Share	0.08	0.08	0.08
(+) Excess Retained per Share	0.10	0.12	0.13
(=) Adjusted Dividend	0.18	0.20	0.21
WACC / Discount Rate	7.69%	7.69%	7.69%
Growth Rate	-2.00%	-1.00%	0.00%
Fair Value	$1.81	$2.23	$2.70
Upside / Downside	-66.24%	-58.40%	-49.80%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	4.70	4.66	4.61	4.56	4.52	4.47	4.61
Payout Ratio	35.84%	46.67%	57.51%	68.34%	79.17%	90.00%	92.50%
Projected Dividends (M)	1.69	2.17	2.65	3.12	3.58	4.03	4.26

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.69%	7.69%	7.69%
Growth Rate	-2.00%	-1.00%	0.00%
Year 1 PV (M)	2.00	2.02	2.04
Year 2 PV (M)	2.24	2.29	2.33
Year 3 PV (M)	2.42	2.50	2.57
Year 4 PV (M)	2.55	2.66	2.77
Year 5 PV (M)	2.64	2.78	2.92
PV of Terminal Value (M)	59.65	62.76	65.99
Equity Value (M)	71.51	75.00	78.63
Shares Outstanding (M)	20.99	20.99	20.99
Fair Value	$3.41	$3.57	$3.75
Upside / Downside	-36.57%	-33.47%	-30.25%

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Riverview Bancorp, Inc. (RVSB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener