Riverview Bancorp Inc Financials

RVSB

Source SEC Filings (10-K/10-Q) Updated Feb 13, 2026 Currency USD FYE March

This page shows Riverview Bancorp Inc (RVSB) 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

Financial Profile 25/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Riverview Bancorp Inc's revenue grew a modest 4.3% year-over-year to $59.0M. This slow but positive growth earns a score of 41/100.

Leverage

Riverview Bancorp Inc has elevated debt relative to equity (D/E of 8.46), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Riverview Bancorp Inc has a free cash flow margin of 9.4%, earning a moderate score of 47/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Riverview Bancorp Inc generates a 3.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is up from 2.4% the prior year.

Piotroski F-Score Neutral

6/9

Riverview Bancorp Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.69x

For every $1 of reported earnings, Riverview Bancorp Inc generates $1.69 in operating cash flow ($8.3M OCF vs $4.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$59.0M

YoY+4.3%

5Y CAGR+3.1%

10Y CAGR+7.5%

Riverview Bancorp Inc generated $59.0M in revenue in fiscal year 2025. This represents an increase of 4.3% from the prior year.

EBITDA

N/A

Free Cash Flow

$5.6M

YoY-22.2%

5Y CAGR-15.6%

10Y CAGR+0.9%

Riverview Bancorp Inc generated $5.6M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 22.2% from the prior year.

Net Income

$4.9M

YoY+29.1%

5Y CAGR-20.8%

10Y CAGR+0.9%

Riverview Bancorp Inc reported $4.9M in net income in fiscal year 2025. This represents an increase of 29.1% from the prior year.

EPS (Diluted)

$0.23

YoY+27.8%

5Y CAGR-19.7%

10Y CAGR+1.4%

Riverview Bancorp Inc earned $0.23 per diluted share (EPS) in fiscal year 2025. This represents an increase of 27.8% from the prior year.

Cash & Debt

$29.4M

YoY+24.4%

5Y CAGR-6.9%

10Y CAGR-6.7%

Riverview Bancorp Inc held $29.4M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.08

YoY-66.7%

5Y CAGR-15.9%

10Y CAGR+21.6%

Riverview Bancorp Inc paid $0.08 per share in dividends in fiscal year 2025. This represents a decrease of 66.7% from the prior year.

Shares Outstanding

21M

YoY-0.6%

5Y CAGR-1.4%

10Y CAGR-0.7%

Riverview Bancorp Inc had 21M shares outstanding in fiscal year 2025. This represents a decrease of 0.6% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.3%

YoY+1.6pp

5Y CAGR-22.9pp

10Y CAGR-7.4pp

Riverview Bancorp Inc's net profit margin was 8.3% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.6 percentage points from the prior year.

Return on Equity

3.1%

YoY+0.6pp

5Y CAGR-7.5pp

10Y CAGR-1.3pp

Riverview Bancorp Inc's ROE was 3.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.6 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$2.0M

YoY+246.6%

5Y CAGR+14.4%

Riverview Bancorp Inc spent $2.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 246.6% from the prior year.

Capital Expenditures

$2.7M

YoY-51.7%

5Y CAGR-1.7%

10Y CAGR+19.3%

Riverview Bancorp Inc invested $2.7M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 51.7% from the prior year.

RVSB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$59.0M+4.3%	$56.6M+1.6%	$55.7M+11.7%	$49.8M+3.1%	$48.3M-4.3%	$50.5M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$22.6M+22.5%	$18.5M+354.9%	$4.1M+84.5%	$2.2M-35.8%	$3.4M-28.1%	$4.8M
Income Tax	$1.3M+66.5%	$802K-85.7%	$5.6M-13.1%	$6.5M+116.6%	$3.0M-38.3%	$4.8M
Net Income	$4.9M+29.1%	$3.8M-79.0%	$18.1M-17.2%	$21.8M+108.4%	$10.5M-33.5%	$15.7M
EPS (Diluted)	$0.23+27.8%	$0.18-78.3%	$0.83-15.3%	$0.98+108.5%	$0.47-31.9%	$0.69

Metric	Q3'26	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$2K-100.0%	$16.0M+3.9%	$15.4M0.0%	$15.4M+1.6%	$15.1M+1.2%	$14.9M+3.8%	$14.4M+0.9%	$14.3M
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	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$5K-99.9%	$5.4M-3.0%	$5.6M+1.0%	$5.5M-3.6%	$5.7M-4.3%	$6.0M+7.6%	$5.6M+12.7%	$4.9M
Income Tax	$363-99.9%	$363K+22.6%	$296K-8.1%	$322K-6.1%	$343K-19.3%	$425K+68.0%	$253K-32.9%	$377K
Net Income	$1K-99.9%	$1.4M+25.3%	$1.1M-10.3%	$1.2M-0.6%	$1.2M-20.9%	$1.6M+61.2%	$966K-33.5%	$1.5M
EPS (Diluted)	$0.070.0%	$0.07+40.0%	$0.05-16.7%	$0.060.0%	$0.06-14.3%	$0.07+40.0%	$0.05-28.6%	$0.07

RVSB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.5B-0.5%	$1.5B-4.3%	$1.6B-8.6%	$1.7B+12.3%	$1.5B+31.2%	$1.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$29.4M+24.4%	$23.6M+7.2%	$22.0M-90.9%	$241.4M-9.0%	$265.4M+532.4%	$42.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M
Total Liabilities	$1.4B-0.9%	$1.4B-4.8%	$1.4B-9.4%	$1.6B+13.3%	$1.4B+35.4%	$1.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$160.0M+2.8%	$155.6M+0.2%	$155.2M-1.3%	$157.2M+3.7%	$151.6M+1.8%	$148.8M
Retained Earnings	$119.7M+2.8%	$116.5M-1.1%	$117.8M+12.3%	$104.9M+19.4%	$87.9M+7.3%	$81.9M

Metric	Q3'26	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$1.5M-99.9%	$1.5B+0.2%	$1.5B-0.5%	$1.5B+0.5%	$1.5B-2.6%	$1.5B+0.7%	$1.5B-3.3%	$1.6B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$29K-99.9%	$28.6M-12.7%	$32.8M-4.0%	$34.2M+34.8%	$25.3M-18.1%	$31.0M+11.4%	$27.8M-26.0%	$37.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$27K-99.9%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M
Total Liabilities	$1.3M-99.9%	$1.3B+0.2%	$1.3B-0.6%	$1.4B+0.3%	$1.4B-2.7%	$1.4B+0.4%	$1.4B-3.5%	$1.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$164K-99.9%	$164.2M+0.4%	$163.5M+0.9%	$162.0M+2.4%	$158.3M-1.6%	$160.8M+3.1%	$155.9M-1.6%	$158.5M
Retained Earnings	$122K-99.9%	$122.2M+0.8%	$121.2M+0.6%	$120.5M+1.3%	$119.0M+0.7%	$118.2M+1.0%	$117.0M-3.1%	$120.7M

RVSB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$8.3M-35.2%	$12.8M-6.0%	$13.6M-17.5%	$16.5M-31.9%	$24.2M+51.8%	$15.9M
Capital Expenditures	$2.7M-51.7%	$5.6M+13.1%	$5.0M+52.6%	$3.3M-8.4%	$3.6M+20.3%	$3.0M
Free Cash Flow	$5.6M-22.2%	$7.1M-17.1%	$8.6M-34.8%	$13.2M-35.9%	$20.6M+59.0%	$13.0M
Investing Cash Flow	$13.3M-79.0%	$63.6M+183.4%	-$76.2M+65.6%	-$221.7M-47.5%	-$150.2M-17012.4%	-$878K
Financing Cash Flow	-$15.8M+78.8%	-$74.7M+52.3%	-$156.7M-186.5%	$181.2M-48.2%	$349.5M+8684.1%	$4.0M
Dividends Paid	$2.5M-50.1%	$5.1M-0.7%	$5.1M+9.6%	$4.7M+4.3%	$4.5M+9.9%	$4.1M
Share Buybacks	$2.0M+246.6%	$577K-91.4%	$6.7M+245.7%	$1.9M+34.1%	$1.4M+42.0%	$1.0M

Metric	Q3'26	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$16K+103.1%	-$506K-103.0%	$16.8M+2503.9%	-$697K-131.6%	$2.2M+189.1%	$764K-85.9%	$5.4M-46.1%	$10.1M
Capital Expenditures	$699-99.7%	$230K-41.5%	$393K+417.1%	$76K-75.0%	$304K-86.2%	$2.2M+1906.4%	$110K-68.0%	$344K
Free Cash Flow	$15K+102.0%	-$736K-104.5%	$16.4M+2216.7%	-$773K-140.6%	$1.9M+232.0%	-$1.4M-127.1%	$5.3M-45.3%	$9.7M
Investing Cash Flow	$2K+100.0%	-$6.8M-204.1%	$6.5M+184.4%	$2.3M-92.6%	$30.8M+854.6%	-$4.1M+68.9%	-$13.2M-340.9%	$5.5M
Financing Cash Flow	$18K-99.4%	$3.1M+112.6%	-$24.6M-876.6%	$3.2M+108.2%	-$38.7M-696.7%	$6.5M-45.5%	$11.9M+234.4%	-$8.8M
Dividends Paid	$1K-99.7%	$418K0.0%	$418K-0.5%	$420K-0.7%	$423K+0.5%	$421K-66.8%	$1.3M-0.6%	$1.3M
Share Buybacks	$2K-99.8%	$1.2M	N/A	$904K	N/A	N/A	$0	$0

RVSB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.3%+1.6pp	6.7%-25.7pp	32.5%-11.3pp	43.8%+22.1pp	21.7%-9.5pp	31.2%
Return on Equity	3.1%+0.6pp	2.4%-9.2pp	11.6%-2.2pp	13.9%+7.0pp	6.9%-3.7pp	10.6%
Return on Assets	0.3%+0.1pp	0.3%-0.9pp	1.1%-0.1pp	1.3%+0.6pp	0.7%-0.7pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.46-0.3	8.78-0.5	9.24-0.8	10.07+0.8	9.22+2.3	6.93
FCF Margin	9.4%-3.2pp	12.6%-2.8pp	15.5%-11.0pp	26.5%-16.1pp	42.6%+17.0pp	25.7%

Metric	Q3'26	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	86.2%+77.6pp	8.6%+1.5pp	7.1%-0.8pp	8.0%-0.2pp	8.1%-2.3pp	10.4%+3.7pp	6.7%-3.5pp	10.2%
Return on Equity	0.8%0.0pp	0.8%+0.2pp	0.7%-0.1pp	0.8%-0.0pp	0.8%-0.2pp	1.0%+0.4pp	0.6%-0.3pp	0.9%
Return on Assets	0.1%0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%0.0pp	0.1%-0.0pp	0.1%+0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.210.0	8.21-0.0	8.23-0.1	8.36-0.2	8.53-0.1	8.63-0.2	8.87-0.2	9.04
FCF Margin	930.1%+934.7pp	-4.6%-111.1pp	106.4%+111.5pp	-5.0%-17.6pp	12.6%+22.3pp	-9.7%-46.7pp	37.0%-31.2pp	68.2%

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Frequently Asked Questions

What is Riverview Bancorp Inc's annual revenue?

Riverview Bancorp Inc (RVSB) reported $59.0M in total revenue for fiscal year 2025. This represents a 4.3% 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 Riverview Bancorp Inc's revenue growing?

Riverview Bancorp Inc (RVSB) revenue grew by 4.3% year-over-year, from $56.6M to $59.0M in fiscal year 2025.

Is Riverview Bancorp Inc profitable?

Yes, Riverview Bancorp Inc (RVSB) reported a net income of $4.9M in fiscal year 2025, with a net profit margin of 8.3%.

What is Riverview Bancorp Inc's earnings per share (EPS)?

Riverview Bancorp Inc (RVSB) reported diluted earnings per share of $0.23 for fiscal year 2025. This represents a 27.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Riverview Bancorp Inc's net profit margin?

Riverview Bancorp Inc (RVSB) had a net profit margin of 8.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Riverview Bancorp Inc pay dividends?

Yes, Riverview Bancorp Inc (RVSB) paid $0.08 per share in dividends during fiscal year 2025.

What is Riverview Bancorp Inc's return on equity (ROE)?

Riverview Bancorp Inc (RVSB) has a return on equity of 3.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Riverview Bancorp Inc's free cash flow?

Riverview Bancorp Inc (RVSB) generated $5.6M in free cash flow during fiscal year 2025. This represents a -22.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Riverview Bancorp Inc's operating cash flow?

Riverview Bancorp Inc (RVSB) generated $8.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Riverview Bancorp Inc's total assets?

Riverview Bancorp Inc (RVSB) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Riverview Bancorp Inc's capital expenditures?

Riverview Bancorp Inc (RVSB) invested $2.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Riverview Bancorp Inc buy back shares?

Yes, Riverview Bancorp Inc (RVSB) spent $2.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Riverview Bancorp Inc have outstanding?

Riverview Bancorp Inc (RVSB) had 21M shares outstanding as of fiscal year 2025.

What is Riverview Bancorp Inc's debt-to-equity ratio?

Riverview Bancorp Inc (RVSB) had a debt-to-equity ratio of 8.46 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Riverview Bancorp Inc's return on assets (ROA)?

Riverview Bancorp Inc (RVSB) had a return on assets of 0.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Riverview Bancorp Inc's Piotroski F-Score?

Riverview Bancorp Inc (RVSB) 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 Riverview Bancorp Inc's earnings high quality?

Riverview Bancorp Inc (RVSB) has an earnings quality ratio of 1.69x, 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.

How financially healthy is Riverview Bancorp Inc?

Riverview Bancorp Inc (RVSB) scores 25 out of 100 on our Financial Profile, indicating weak 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.