Reserve Financials
This page shows Reserve (RSRV) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Reserve has an operating margin of 24.6%, meaning the company retains $25 of operating profit per $100 of revenue. This strong profitability earns a score of 77/100, reflecting efficient cost management and pricing power. This is up from 16.0% the prior year.
Reserve's revenue surged 15.2% year-over-year to $17.4M, reflecting rapid business expansion. This strong growth earns a score of 59/100.
Reserve carries a low D/E ratio of 0.02, meaning only $0.02 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 4.49, Reserve holds $4.49 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 89/100.
Reserve's ROE of 14.4% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 6.5% the prior year.
Reserve scores 4.83, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($33.4M) relative to total liabilities ($7.6M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Reserve passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Reserve generates $2.04 in operating cash flow ($9.9M OCF vs $4.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Reserve earns $96.2 in operating income for every $1 of interest expense ($4.3M vs $45K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Earnings & Revenue
Reserve generated $17.4M in revenue in fiscal year 2025. This represents an increase of 15.2% from the prior year.
Reserve's EBITDA was $4.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 76.6% from the prior year.
Reserve reported $4.9M in net income in fiscal year 2025. This represents an increase of 144.8% from the prior year.
Cash & Balance Sheet
Reserve held $2.1M in cash against $620K in long-term debt as of fiscal year 2025.
Reserve had 151,594 shares outstanding in fiscal year 2025. This represents a decrease of 0.2% from the prior year.
Margins & Returns
Reserve's operating margin was 24.6% in fiscal year 2025, reflecting core business profitability. This is up 8.6 percentage points from the prior year.
Reserve's net profit margin was 27.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 14.8 percentage points from the prior year.
Reserve's ROE was 14.4% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 7.9 percentage points from the prior year.
Capital Allocation
Reserve spent $55K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 90.7% from the prior year.
RSRV Income Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.5M+28.5% | $3.5M-9.7% | $3.9M-12.8% | $4.4M+14.0% | $3.9M+1.0% | $3.8M+27.4% | $3.0M-18.0% | $3.7M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $594K-6.2% | $633K-5.8% | $671K-8.0% | $730K-29.6% | $1.0M+63.3% | $635K-5.7% | $674K-7.8% | $731K |
| Operating Income | $1.8M+104.3% | $887K-57.1% | $2.1M+281.3% | -$1.1M-174.2% | $1.5M+41.9% | $1.1M+15.2% | $940K+141.4% | -$2.3M |
| Interest Expense | $15K-5.0% | $16K-0.2% | $16K-1.5% | $16K-15.6% | $19K+16.8% | $17K-1.0% | $17K+0.3% | $17K |
| Income Tax | $300K+11.7% | $268K-51.0% | $548K+216.4% | -$470K-287.8% | $250K-10.4% | $280K-36.4% | $440K+180.0% | -$550K |
| Net Income | $1.4M+14.5% | $1.2M-32.8% | $1.8M+216.4% | -$1.5M-187.4% | $1.7M+66.8% | $1.0M+43.4% | $727K+145.7% | -$1.6M |
| EPS (Diluted) | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RSRV Balance Sheet
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $41.0M+6.9% | $38.4M-0.1% | $38.4M+5.6% | $36.4M-5.4% | $38.5M+4.3% | $36.9M-3.1% | $38.0M+4.6% | $36.4M |
| Current Assets | $10.3M+11.7% | $9.2M-17.6% | $11.2M+18.8% | $9.4M-11.2% | $10.6M+5.5% | $10.1M-11.5% | $11.4M-11.0% | $12.8M |
| Cash & Equivalents | $4.8M+27.4% | $3.8M-28.2% | $5.2M+33.4% | $3.9M+5.2% | $3.7M+18.3% | $3.2M-45.8% | $5.8M+11.4% | $5.2M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $2.3M+14.4% | $2.0M-43.0% | $3.6M+28.9% | $2.8M+18.5% | $2.3M-17.2% | $2.8M+29.5% | $2.2M-7.7% | $2.4M |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $7.6M+20.9% | $6.3M+4.6% | $6.0M+4.5% | $5.7M-2.2% | $5.9M-3.0% | $6.1M-9.6% | $6.7M+18.7% | $5.6M |
| Current Liabilities | $1.4M+244.5% | $419K-2.3% | $429K-39.9% | $714K+177.8% | $257K-66.5% | $766K-44.7% | $1.4M+99.9% | $693K |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $33.2M+4.2% | $31.9M-1.0% | $32.2M+5.8% | $30.4M-6.0% | $32.4M+5.7% | $30.6M-1.7% | $31.2M+2.0% | $30.5M |
| Retained Earnings | $35.5M+4.0% | $34.2M-0.9% | $34.5M+5.4% | $32.7M-4.5% | $34.2M+5.4% | $32.5M-1.5% | $32.9M+2.3% | $32.2M |
RSRV Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.4M-23.7% | $3.1M+62.9% | $1.9M-20.5% | $2.4M-7.9% | $2.6M+98.5% | $1.3M-18.2% | $1.6M-34.6% | $2.5M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | -$1.3M+57.6% | -$3.0M-452.0% | -$551K+73.0% | -$2.0M-13.9% | -$1.8M+21.9% | -$2.3M-169.1% | -$852K+53.6% | -$1.8M |
| Financing Cash Flow | -$47K+96.9% | -$1.5M-3271.7% | -$46K+72.3% | -$165K+30.6% | -$237K+85.9% | -$1.7M-967.5% | -$157K-492.5% | -$27K |
| Dividends Paid | $0 | N/A | N/A | $0 | $0 | N/A | N/A | $0 |
| Share Buybacks | $26K | $0-100.0% | $25K-80.9% | $133K-43.8% | $237K+133.6% | $101K-19.7% | $126K+411.4% | $25K |
RSRV Financial Ratios
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | 40.6%+15.1pp | 25.5%-28.2pp | 53.7%+79.5pp | -25.8%-65.5pp | 39.7%+11.4pp | 28.2%-3.0pp | 31.2%+93.0pp | -61.8% |
| Net Margin | 30.4%-3.7pp | 34.2%-11.8pp | 45.9%+80.3pp | -34.4%-79.3pp | 44.9%+17.7pp | 27.2%+3.0pp | 24.1%+67.4pp | -43.3% |
| Return on Equity | 4.1%+0.4pp | 3.7%-1.8pp | 5.5%+10.5pp | -5.0%-10.4pp | 5.4%+2.0pp | 3.4%+1.1pp | 2.3%+7.5pp | -5.2% |
| Return on Assets | 3.3%+0.2pp | 3.1%-1.5pp | 4.6%+8.8pp | -4.2%-8.7pp | 4.5%+1.7pp | 2.8%+0.9pp | 1.9%+6.3pp | -4.4% |
| Current Ratio | 7.15-14.9 | 22.03-4.1 | 26.12+12.9 | 13.22-28.2 | 41.39+28.2 | 13.15+4.9 | 8.21-10.2 | 18.46 |
| Debt-to-Equity | 0.23+0.0 | 0.20+0.0 | 0.190.0 | 0.190.0 | 0.18-0.0 | 0.20-0.0 | 0.21+0.0 | 0.18 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Frequently Asked Questions
What is Reserve's annual revenue?
Reserve (RSRV) reported $17.4M in total revenue for fiscal year 2025. This represents a 15.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Reserve's revenue growing?
Reserve (RSRV) revenue grew by 15.2% year-over-year, from $15.1M to $17.4M in fiscal year 2025.
Is Reserve profitable?
Yes, Reserve (RSRV) reported a net income of $4.9M in fiscal year 2025, with a net profit margin of 27.9%.
What is Reserve's EBITDA?
Reserve (RSRV) had EBITDA of $4.3M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Reserve have?
As of fiscal year 2025, Reserve (RSRV) had $2.1M in cash and equivalents against $620K in long-term debt.
What is Reserve's operating margin?
Reserve (RSRV) had an operating margin of 24.6% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Reserve's net profit margin?
Reserve (RSRV) had a net profit margin of 27.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Reserve's return on equity (ROE)?
Reserve (RSRV) has a return on equity of 14.4% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Reserve's operating cash flow?
Reserve (RSRV) generated $9.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Reserve's total assets?
Reserve (RSRV) had $41.6M in total assets as of fiscal year 2025, including both current and long-term assets.
What is Reserve's current ratio?
Reserve (RSRV) had a current ratio of 4.49 as of fiscal year 2025, which is generally considered healthy.
What is Reserve's debt-to-equity ratio?
Reserve (RSRV) had a debt-to-equity ratio of 0.02 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Reserve's return on assets (ROA)?
Reserve (RSRV) had a return on assets of 11.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Reserve's Altman Z-Score?
Reserve (RSRV) has an Altman Z-Score of 4.83, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Reserve's Piotroski F-Score?
Reserve (RSRV) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Reserve's earnings high quality?
Reserve (RSRV) has an earnings quality ratio of 2.04x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Reserve cover its interest payments?
Reserve (RSRV) has an interest coverage ratio of 96.2x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Reserve?
Reserve (RSRV) scores 74 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.