MS
Morgan Stanley
MS has the edge over RVSB overall, supported by stronger fundamentals and stronger modeled upside.
RVSB
Riverview Bancorp, Inc.
RVSB offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
MS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
MS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like MS.
RVSB Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
RVSB's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like RVSB.
MS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $134 | -29% |
| Fair | 14x | $178 | -5.7% |
| Forward | 14x | $189 | — |
| Current | 15x | $189 | — |
| Expensive | 18x | $223 | +18% |
Historical ranges are pointers, not guarantees.
MS's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 14x next year's earnings.
RVSB PE Valuation
RVSB has no meaningful PE right now: it lost money over the past year.
MS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for MS, with profitability improving.
RVSB Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RVSB, with profitability improving.
MS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.39 | +6.3% |
| Q3 2026 | $12.60 | +29% |
| Q2 2026 | $12.37 | +40% |
| Q1 2026 | $11.04 | +29% |
| Q4 2025 | $10.21 | +28% |
| Q3 2025 | $9.76 | +48% |
| Q2 2025 | $8.84 | +45% |
| Q1 2025 | $8.53 | +55% |
| Q4 2024 | $7.95 | +53% |
MS's earnings per share have climbed steadily: $12.60 over the past year, up 29% from the year before, and higher year over year for 10 quarters in a row.
RVSB Earnings Per Share
RVSB and MS do not have enough comparable growth data to identify a winner.
MS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $20.3B | +12% |
| Q2 2026 | $21.3B | +27% |
| Q1 2026 | $20.6B | +16% |
| Q4 2025 | $17.9B | +10% |
| Q3 2025 | $18.2B | +18% |
| Q2 2025 | $16.8B | +12% |
| Q1 2025 | $17.7B | +17% |
| Q4 2024 | $16.2B | +26% |
MS has the edge over RVSB on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.2 points |
| Q2 2026 | 34% | +6.9 points |
| Q1 2026 | 34% | +2.8 points |
| Q4 2025 | 32% | +2 points |
| Q3 2025 | 33% | +5.6 points |
| Q2 2025 | 28% | +0.4 points |
| Q1 2025 | 31% | +2.2 points |
| Q4 2024 | 30% | +14 points |
MS has the edge over RVSB on profitability, with a higher operating margin.
RVSB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $15M | +13% |
| Q1 2026 | $2.1M | -83% |
| Q4 2025 | $14M | +10% |
| Q3 2025 | $13.6M | +6.6% |
| Q2 2025 | $13.3M | +8.9% |
| Q1 2025 | $12.9M | +43% |
| Q4 2024 | $12.7M | +2.8% |
| Q3 2024 | $12.8M | -3.6% |
RVSB's revenue is down over the past year, though its latest quarter was up: $15M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 14% | +2.5 points |
| Q1 2026 | -490% | -501 points |
| Q4 2025 | 12% | 0 points |
| Q3 2025 | 10% | -5.3 points |
| Q2 2025 | 12% | +1.7 points |
| Q1 2025 | 11% | +56 points |
| Q4 2024 | 12% | -2.4 points |
| Q3 2024 | 16% | -8.4 points |
RVSB's operating margin was 14% last quarter, up 2.5 points from the same quarter a year ago.
MS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$46B | -$42.7B |
| Q2 2026 | -$2.7B | -123% |
| Q1 2026 | -$7.1B | +$16.9B |
| Q4 2025 | -$2.4B | -120% |
| Q3 2025 | -$3.3B | +$14B |
| Q2 2025 | $11.8B | +368% |
| Q1 2025 | -$24B | -650% |
| Q4 2024 | $11.8B | +$29.6B |
MS's free cash flow was −$58.3B over the past year, against −$3.7B the year before. Free cash flow isn't a meaningful measure for financial services companies like MS.
RVSB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $1.9M | +$2.6M |
| Q1 2026 | -$3.6M | -$3.4M |
| Q4 2025 | -$736K | -139% |
| Q3 2025 | $16.4M | +$17.8M |
| Q2 2025 | -$773K | -115% |
| Q1 2025 | -$231K | +$9.4M |
| Q4 2024 | $1.9M | -80% |
| Q3 2024 | -$1.4M | -1355% |
RVSB has the edge over MS on cash generation, producing positive trailing cash flow while its opponent burns cash.
MS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -3M shares |
| 1 year | -1.5% | -24M shares |
| 3 years | -4.7% | -77M shares |
| 5 years | -14% | -246M shares |
| Available history | -4.5% | -74M shares |
MS has 1.6B diluted shares, down 1.5% from a year ago.
RVSB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.2% | -467K shares |
| 1 year | -2.9% | -603K shares |
| 3 years | -3.6% | -768K shares |
| 5 years | -8.9% | -2M shares |
| Available history | -10% | -2.3M shares |
RVSB has the edge over MS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.7M |
| Q1 2026 | $697,000 |
| Q4 2025 | $1.2M |
| Q1 2025 | $904,000 |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $577,000 |
MS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.8x | High |
| Q2 2026 | 7.3x | High |
| Q1 2026 | 8.2x | High |
| Q4 2025 | 8.6x | High |
| Q3 2025 | 8.4x | High |
| Q2 2025 | 8.7x | High |
| Q1 2025 | 8.7x | High |
| Q4 2024 | 7.9x | High |
MS's net debt is about 7.8 years of its operating earnings (EBITDA), down from 8.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like MS.
RVSB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q4 2025 | -3.0x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.4x | Net Cash |
| Q1 2025 | -3.1x | Net Cash |
| Q4 2024 | -6.4x | Net Cash |
| Q3 2024 | -7.7x | Net Cash |
| Q2 2024 | -5.5x | Net Cash |
| Q1 2024 | -3.2x | Net Cash |
RVSB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like RVSB.
MS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 45.0 | Neutral |
| Stochastic | 18.7 | Oversold |
MS's weekly RSI is 45 (neutral) and its Stochastic is 19 (oversold).
RVSB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 73.4 | Overbought |
| Stochastic | 92.7 | Overbought |
RVSB's weekly RSI is 73 (overbought) and its Stochastic is 93 (overbought).
MS PE vs Financial Services Sector
| Metric | MS | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 59 | 63 | 4 pts below |
MS is trading at 15x earnings, a 15% premium to the Financial Services sector's median of 13x.
RVSB PE vs Financial Services Sector
| Metric | RVSB | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
RVSB has no meaningful PE right now: it lost money over the past year.
MS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $186.5 | 1.5% above |
| 20 week MA | $203.3 | 6.9% below |
| 50 week MA | $191.9 | 1.4% below |
| 100 week MA | $164.9 | 15% above |
| 200 week MA | $129.3 | 46% above |
MS's trend is mixed: it's above three of its five weekly moving averages, and 46% above its 200-week average.
RVSB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.07 | 6.6% above |
| 20 week MA | $5.63 | 15% above |
| 50 week MA | $5.48 | 18% above |
| 100 week MA | $5.46 | 18% above |
| 200 week MA | $5.35 | 21% above |
RVSB has the edge over MS on trend strength, trading above more of its moving averages.
MS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $51.1 | $68.1 | +33% |
| 2021 | $68.1 | $99.3 | +46% |
| 2022 | $99.3 | $86.1 | -13% |
| 2023 | $86.1 | $93.3 | +8.3% |
| 2024 | $93.3 | $126.8 | +36% |
| 2025 | $126.8 | $181.9 | +43% |
| 2026 YTD | $181.9 | $189.2 | +4% |
MS has finished higher in five of the last six years. It's up 4% so far in 2026.
RVSB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.16 | $5.27 | -35% |
| 2021 | $5.27 | $7.66 | +45% |
| 2022 | $7.66 | $7.58 | -1% |
| 2023 | $7.58 | $6.40 | -16% |
| 2024 | $6.40 | $5.78 | -9.7% |
| 2025 | $5.78 | $5.03 | -13% |
| 2026 YTD | $5.03 | $6.47 | +29% |
RVSB has the edge over MS on returns for 2026, with the stronger performance.