Riverview Bancorp Inc Financials
Riverview Bancorp Inc (RVSB) reported $62.0M in revenue for fiscal year 2026, up 5.2% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Riverview’s liquidity build came from balance-sheet runoff, while funding and overhead costs squeezed earnings.
By FY2026, interest expense of$21.7M and overhead of$28.8M were absorbing almost the entire revenue base, which helps explain why modest top-line growth across three fiscal years still ended in a net loss. Yet operating cash flow stayed positive at$12.0M as cash rose to$116.9M , so the stronger liquidity position appears to come from asset runoff rather than stronger earning power.
With total assets down to
This is a low-capex model: FY2026 capital spending was only
Financial Health Signals
Scored against banks for FY2026. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Riverview Bancorp Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Riverview Bancorp Inc passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
Riverview Bancorp Inc reported a net loss of $4.3M while generating $12.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
Riverview Bancorp Inc generated $62.0M in revenue in fiscal year 2026. This represents an increase of 5.2% from the prior year.
Riverview Bancorp Inc reported -$4.3M in net income in fiscal year 2026. This represents a decrease of 188.5% from the prior year.
Riverview Bancorp Inc earned -$0.21 per diluted share (EPS) in fiscal year 2026. This represents a decrease of 191.3% from the prior year.
Not reported for fiscal year 2026.
Cash & Balance Sheet
Riverview Bancorp Inc generated $11.3M in free cash flow in fiscal year 2026, representing cash available after capex. This represents an increase of 102.5% from the prior year.
Riverview Bancorp Inc held $116.9M in cash as of fiscal year 2026; long-term debt is not reported for that period.
Riverview Bancorp Inc paid $0.08 per share in dividends in fiscal year 2026. That is unchanged from the prior year.
Margins & Returns
Riverview Bancorp Inc's net profit margin was -7.0% in fiscal year 2026, showing the share of revenue converted to profit. This is down 15.3 percentage points from the prior year.
Riverview Bancorp Inc's ROE was -3.0% in fiscal year 2026, measuring profit generated per dollar of shareholder equity. This is down 6.0 percentage points from the prior year.
Not reported for fiscal year 2026.
Not reported for fiscal year 2026.
Capital Allocation
Riverview Bancorp Inc spent $2.7M on share buybacks in fiscal year 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 35.8% from the prior year.
Riverview Bancorp Inc invested $789K in capex in fiscal year 2026, funding long-term assets and infrastructure. This represents a decrease of 70.9% from the prior year.
Not reported for fiscal year 2026.
RVSB Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $63.0M | $62.0M+5.2% | $59.0M+4.3% | $56.6M+1.6% | $55.7M+11.7% | $49.8M+3.1% | $48.3M-4.3% | $50.5M+1.3% | $49.9M+10.1% | $45.3M+27.2% | $35.6M+15.1% | $30.9M+8.1% | $28.6M+6.8% | $26.8M-18.6% | $32.9M-16.7% | $39.5M |
| SG&A Expenses | $34.2M | $28.8M+10.4% | $26.1M+7.8% | $24.2M+0.9% | $24.0M+1.5% | $23.6M+4.7% | $22.6M-1.0% | $22.8M+2.2% | $22.3M+2.7% | $21.7M+12.3% | $19.4M+9.4% | $17.7M-0.6% | $17.8M+13.0% | $15.8M+2.8% | $15.3M-3.5% | $15.9M |
| Interest Expense | $21.1M | $21.7M-4.2% | $22.6M+22.5% | $18.5M+354.9% | $4.1M+84.5% | $2.2M-35.8% | $3.4M-28.1% | $4.8M+69.2% | $2.8M+19.8% | $2.3M+25.7% | $1.9M+7.3% | $1.7M-9.1% | $1.9M-25.4% | $2.6M-26.3% | $3.5M-40.6% | $5.9M |
| Income Tax | -$1.4M | -$1.5M-211.8% | $1.3M+66.5% | $802K-85.7% | $5.6M-13.1% | $6.5M+116.6% | $3.0M-38.3% | $4.8M-6.1% | $5.1M-33.6% | $7.8M+129.0% | $3.4M-1.1% | $3.4M+59.3% | $2.1M+114.3% | -$15.1M-52103.4% | $29K-99.7% | $8.4M |
| Net Income | -$3.9M | -$4.3M-188.5% | $4.9M+29.1% | $3.8M-79.0% | $18.1M-17.2% | $21.8M+108.4% | $10.5M-33.5% | $15.7M-8.8% | $17.3M+68.6% | $10.2M+38.3% | $7.4M+16.5% | $6.4M+41.6% | $4.5M-76.9% | $19.4M+637.7% | $2.6M+108.3% | -$31.7M |
| EPS (Diluted) | -$0.19 | -$0.21-191.3% | $0.23+27.8% | $0.18-78.3% | $0.83-15.3% | $0.98+108.5% | $0.47-31.9% | $0.69-9.2% | $0.76+68.9% | $0.45+36.4% | $0.33+17.9% | $0.28+40.0% | $0.20-77.0% | $0.87+625.0% | $0.12+108.5% | -$1.42 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q2 FY2026 through Q1 FY2027, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RVSB Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-3.3% | $1.5B-0.5% | $1.5B-4.3% | $1.6B-8.6% | $1.7B+12.3% | $1.5B+31.2% | $1.2B+2.1% | $1.2B+0.5% | $1.2B+1.6% | $1.1B+23.1% | $921.2M+7.3% | $858.8M+4.2% | $824.5M+6.1% | $777.0M-9.2% | $856.0M |
| Cash & Equivalents | $116.9M+297.3% | $29.4M+24.4% | $23.6M+7.2% | $22.0M-90.9% | $241.4M-9.0% | $265.4M+532.4% | $42.0M+82.9% | $22.9M-48.7% | $44.8M-30.7% | $64.6M+16.6% | $55.4M-5.6% | $58.7M-14.5% | $68.6M-40.6% | $115.4M+148.8% | $46.4M |
| Goodwill | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M+5.9% | $25.6M0.0% | $25.6M0.0% | $25.6M0.0% | $25.6M0.0% | $25.6M |
| Total Liabilities | $1.3B-2.6% | $1.4B-0.9% | $1.4B-4.8% | $1.4B-9.4% | $1.6B+13.3% | $1.4B+35.4% | $1.0B+0.8% | $1.0B-1.0% | $1.0B+1.2% | $1.0B+25.8% | $813.0M+7.8% | $754.4M+3.9% | $726.1M+4.0% | $698.0M-10.5% | $779.8M |
| Total Equity | $145.6M-9.0% | $160.0M+2.8% | $155.6M+0.2% | $155.2M-1.3% | $157.2M+3.7% | $151.6M+1.8% | $148.8M+11.8% | $133.1M+13.9% | $116.9M+5.1% | $111.3M+2.8% | $108.3M+4.3% | $103.8M+5.9% | $98.0M+24.9% | $78.4M+3.0% | $76.2M |
| Retained Earnings | $113.7M-5.0% | $119.7M+2.8% | $116.5M-1.1% | $117.8M+12.3% | $104.9M+19.4% | $87.9M+7.3% | $81.9M+16.2% | $70.4M+24.5% | $56.6M+17.0% | $48.3M+13.1% | $42.7M+12.9% | $37.8M+12.6% | $33.6M+137.1% | $14.2M+22.8% | $11.5M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
RVSB Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.8M | $12.0M+45.6% | $8.3M-35.2% | $12.8M-6.0% | $13.6M-17.5% | $16.5M-31.9% | $24.2M+51.8% | $15.9M-21.0% | $20.2M+68.8% | $11.9M-33.9% | $18.1M+63.0% | $11.1M+99.2% | $5.6M-14.8% | $6.5M-40.6% | $11.0M-8.3% | $12.0M |
| Capital Expenditures | $869K | $789K-70.9% | $2.7M-51.7% | $5.6M+13.1% | $5.0M+52.6% | $3.3M-8.4% | $3.6M+20.3% | $3.0M+182.3% | $1.0M+38.9% | $753K+25.9% | $598K+63.4% | $366K-21.1% | $464K-44.4% | $835K-61.0% | $2.1M-17.0% | $2.6M |
| Free Cash Flow | $13.9M | $11.3M+102.5% | $5.6M-22.2% | $7.1M-17.1% | $8.6M-34.8% | $13.2M-35.9% | $20.6M+59.0% | $13.0M-32.2% | $19.1M+70.8% | $11.2M-35.9% | $17.5M+63.0% | $10.7M+110.1% | $5.1M-10.5% | $5.7M-35.7% | $8.9M-6.0% | $9.4M |
| Investing Cash Flow | $94.1M | $118.3M+787.9% | $13.3M-79.0% | $63.6M+183.4% | -$76.2M+65.6% | -$221.7M-47.5% | -$150.2M-17012.4% | -$878K+96.5% | -$25.0M+45.2% | -$45.6M+40.5% | -$76.6M-8.4% | -$70.7M-52.8% | -$46.3M+41.0% | -$78.4M-156.6% | $138.5M+405.4% | -$45.4M |
| Financing Cash Flow | -$40.9M | -$42.9M-171.2% | -$15.8M+78.8% | -$74.7M+52.3% | -$156.7M-186.5% | $181.2M-48.2% | $349.5M+8684.1% | $4.0M+123.4% | -$17.0M-223.2% | $13.8M-79.6% | $67.7M+20.3% | $56.3M+83.0% | $30.8M+23.0% | $25.0M+131.1% | -$80.5M-387.6% | $28.0M |
| Dividends Paid | $1.7M | $1.7M-34.1% | $2.5M-50.1% | $5.1M-0.7% | $5.1M+9.6% | $4.7M+4.3% | $4.5M+9.9% | $4.1M+28.8% | $3.2M+47.8% | $2.1M+19.0% | $1.8M+42.7% | $1.3M | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | $2.7M+35.8% | $2.0M+246.6% | $577K-91.4% | $6.7M+245.7% | $1.9M+34.1% | $1.4M+42.0% | $1.0M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
TTM is the trailing twelve months, Q2 FY2026 through Q1 FY2027, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
RVSB Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY26 | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -7.0%-15.3pp | 8.3%+1.6pp | 6.7%-25.7pp | 32.5%-11.3pp | 43.8%+22.1pp | 21.7%-9.5pp | 31.2%-3.4pp | 34.6%+12.0pp | 22.6%+1.8pp | 20.8%+0.2pp | 20.5%+4.8pp | 15.7%-56.8pp | 72.5%+64.5pp | 8.0%+88.1pp | -80.1% |
| Return on Equity | -3.0%-6.0pp | 3.1%+0.6pp | 2.4%-9.2pp | 11.6%-2.2pp | 13.9%+7.0pp | 6.9%-3.7pp | 10.6%-2.4pp | 13.0%+4.2pp | 8.8%+2.1pp | 6.7%+0.8pp | 5.9%+1.5pp | 4.3%-15.5pp | 19.8%+16.5pp | 3.4%+44.9pp | -41.6% |
| Return on Assets | -0.3%-0.6pp | 0.3%+0.1pp | 0.3%-0.9pp | 1.1%-0.1pp | 1.3%+0.6pp | 0.7%-0.7pp | 1.3%-0.2pp | 1.5%+0.6pp | 0.9%+0.2pp | 0.7%0.0pp | 0.7%+0.2pp | 0.5%-1.8pp | 2.4%+2.0pp | 0.3%+4.0pp | -3.7% |
| Debt-to-Equity | 9.05+0.6x | 8.46-0.3x | 8.78-0.5x | 9.24-0.8x | 10.07+0.8x | 9.22+2.3x | 6.93-0.8x | 7.69-1.2x | 8.85-0.3x | 9.19+1.7x | 7.51+0.2x | 7.27-0.1x | 7.41-1.5x | 8.90-1.3x | 10.24 |
| FCF Margin | 18.1%+8.7pp | 9.4%-3.2pp | 12.6%-2.8pp | 15.5%-11.0pp | 26.5%-16.1pp | 42.6%+17.0pp | 25.7%-12.7pp | 38.3%+13.6pp | 24.7%-24.3pp | 49.0%+14.4pp | 34.6%+16.8pp | 17.8%-3.4pp | 21.3%-5.7pp | 26.9%+3.1pp | 23.8% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where Riverview Bancorp Inc Ranks
Frequently Asked Questions
What is Riverview Bancorp Inc's annual revenue?
Riverview Bancorp Inc (RVSB) reported $62.0M in total revenue for fiscal year 2026. This represents a 5.2% 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 Riverview Bancorp Inc's revenue growing?
Riverview Bancorp Inc (RVSB) revenue grew by 5.2% year-over-year, from $59.0M to $62.0M in fiscal year 2026.
Is Riverview Bancorp Inc profitable?
No, Riverview Bancorp Inc (RVSB) reported a net income of -$4.3M in fiscal year 2026, with a net profit margin of -7.0%.
What is Riverview Bancorp Inc's net profit margin?
Riverview Bancorp Inc (RVSB) had a net profit margin of -7.0% in fiscal year 2026, 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 2026.
What is Riverview Bancorp Inc's return on equity (ROE)?
Riverview Bancorp Inc (RVSB) has a return on equity of -3.0% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.
What is Riverview Bancorp Inc's free cash flow?
Riverview Bancorp Inc (RVSB) generated $11.3M in free cash flow during fiscal year 2026. This represents a 102.5% 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 $12.0M in operating cash flow during fiscal year 2026, 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 2026, including both current and long-term assets.
What are Riverview Bancorp Inc's capital expenditures?
Riverview Bancorp Inc (RVSB) invested $789K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.
What is Riverview Bancorp Inc's debt-to-equity ratio?
Riverview Bancorp Inc (RVSB) had a debt-to-equity ratio of 9.05 as of fiscal year 2026, 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 2026, 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 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $4.3M while generating $12.0M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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 23 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.