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

Riverview Bancorp Inc (RVSB) reported diluted earnings per share of -$0.21 for fiscal year 2026. This represents a -191.3% 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.

Riverview Bancorp Inc (RVSB) Financials

RVSB

Trailing 12 months to June 30, 2026

Revenue $44.8M -13.3% YoY

Net Income -$3.9M -175.0% YoY

EPS (Diluted) -$0.19 -179.2% YoY

Free Cash Flow $13.9M +2664.6% YoY

Market Cap $116.7M as of Oct 7, 2026

Price / Sales 2.6x on $44.8M revenue, trailing 12 months to June 30, 2026

Price / Earnings n/m net loss, so no earnings multiple, trailing 12 months to June 30, 2026

Price / Book 0.8x on $145.3M equity, Q1 FY2027

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 7, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q1 FY2027, ended Jun 30, 2026 Reported Aug 14, 2026 Currency USD FYE March

Newest figures come from the 10-Q for Q1 FY2027, filed Aug 14, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RVSB SEC filings page.

Riverview Bancorp Inc (RVSB) reported $44.8M in revenue over the twelve months to Jun 30, 2026, down 13.3% from the prior twelve months. 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).

Rhea AI RVSB FY2026 2026-10-04

The bank’s balance sheet remains heavily liability-funded, while FY2026 losses did not prevent positive operating cash generation.

The FY2026 net loss of $4.3M alongside operating cash flow of $12.0M shows that reported earnings and cash movement diverged materially. That gap points to non-cash or balance-sheet timing effects shaping the result, so the loss alone does not describe the period’s cash economics.

Liabilities stood at $1.32B against equity of $145.6M, making the business structurally dependent on liability funding. Debt-to-equity rose from 8.5x in FY2025 to 9.1x in FY2026 even as total assets contracted, indicating less equity support behind each unit of assets.

Return on assets fell from 1.1% in FY2023 to -0.3% in FY2026, while return on equity moved from 11.6% to -3.0%. The paired deterioration shows that weaker performance reached both asset productivity and shareholder returns, rather than being limited to a smaller bottom-line result.

Financial Health Signals

Financial Health Score 25/100

Scored as: Banks peer group

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.

Earnings

Riverview Bancorp Inc earned a return on assets of -0.3% in fiscal year 2026, which is the profit it made on every dollar of assets on its books. This is down from 0.3% the prior year. Earnings ranks banks on that return over three years, and Riverview Bancorp Inc scores 16/100 among other banks.

Growth

Riverview Bancorp Inc reported revenue of $43.1M in fiscal year 2026, against $50.6M in fiscal year 2025. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Riverview Bancorp Inc scores 9/100 among other banks.

Capital

Riverview Bancorp Inc funded 9.9% of its assets with shareholders' equity at the end of fiscal year 2026, holding $145.6M of equity against $1.5B of assets. Capital ranks banks on that cushion, and Riverview Bancorp Inc scores 28/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Riverview Bancorp Inc scores 7/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Riverview Bancorp Inc scores 72/100 on it among other banks.

Stability

Riverview Bancorp Inc reported a net loss of $4.3M in fiscal year 2026, against $4.9M in fiscal year 2025. Stability ranks banks on how steady net income has been across five years, and Riverview Bancorp Inc scores 17/100 among other banks.

Piotroski F-Score Partial

3/6

Riverview Bancorp Inc passes 3 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, neither operating efficiency signal passes.

Earnings Quality Mixed

N/A

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

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Earnings & Revenue

Revenue

$15.0M

YoY+13.2%

QoQ+599.3%

5Y CAGR+0.2%

10Y CAGR+3.8%

Riverview Bancorp Inc generated $15.0M in revenue in Q1 2027. This represents an increase of 13.2% from the same quarter a year earlier. Against the prior quarter it is up 599.3%.

Net Income

$1.7M

YoY+38.3%

QoQ+121.1%

5Y CAGR-21.7%

10Y CAGR0.0%

Riverview Bancorp Inc reported $1.7M in net income in Q1 2027. This represents an increase of 38.3% from the same quarter a year earlier. Against the prior quarter it is up 121.1%.

EPS (Diluted)

$0.08

YoY+33.3%

QoQ+120.5%

5Y CAGR-21.0%

10Y CAGR0.0%

Riverview Bancorp Inc earned $0.08 per diluted share (EPS) in Q1 2027. This represents an increase of 33.3% from the same quarter a year earlier. Against the prior quarter it is up 120.5%.

EBITDA

Not reported for Q1 2027.

Cash & Balance Sheet

Free Cash Flow

$1.9M

YoY+342.4%

QoQ+152.1%

5Y CAGR+21.6%

10Y CAGR-5.2%

Riverview Bancorp Inc generated $1.9M in free cash flow in Q1 2027, representing cash available after capex. This represents an increase of 342.4% from the same quarter a year earlier. Against the prior quarter it is up 152.1%.

Cash & Debt

$102.2M

YoY+199.1%

QoQ-12.5%

5Y CAGR-21.1%

10Y CAGR+7.3%

Riverview Bancorp Inc held $102.2M in cash as of Q1 2027; long-term debt is not reported for that period.

Dividends Per Share

$0.02

YoY0.0%

QoQ0.0%

5Y CAGR-16.7%

Riverview Bancorp Inc paid $0.02 per share in dividends in Q1 2027. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

20M

YoY-4.8%

QoQ-1.6%

5Y CAGR-2.0%

10Y CAGR-1.2%

Riverview Bancorp Inc had 20M shares outstanding in Q1 2027. This represents a decrease of 4.8% from the same quarter a year earlier. Against the prior quarter it is down 1.6%.

Margins & Returns

Net Margin

11.3%

YoY+2.1pp

5Y change-27.4pp

10Y change-5.1pp

Riverview Bancorp Inc's net profit margin was 11.3% in Q1 2027, showing the share of revenue converted to profit. This is up 2.1 percentage points from the same quarter a year earlier.

Return on Equity

1.2%

YoY+0.4pp

QoQ+6.7pp

5Y change-2.5pp

10Y change-0.4pp

Riverview Bancorp Inc's ROE was 1.2% in Q1 2027, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 6.7 percentage points.

Gross Margin

Not reported for Q1 2027.

Operating Margin

Not reported for Q1 2027.

Capital Allocation

Share Buybacks

$1.7M

QoQ+146.9%

Riverview Bancorp Inc spent $1.7M on share buybacks in Q1 2027, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is up 146.9%.

Capital Expenditures

$156K

YoY+105.3%

QoQ+73.3%

5Y CAGR-20.1%

10Y CAGR+5.0%

Riverview Bancorp Inc invested $156K in capex in Q1 2027, funding long-term assets and infrastructure. This represents an increase of 105.3% from the same quarter a year earlier. Against the prior quarter it is up 73.3%.

R&D Spending

Not reported for Q1 2027.

RVSB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RVSB quarterly income statement

Metric	TTM	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Revenue	$44.8M	$43.1M-14.9%	$50.6M+4.7%	$48.3M-24.3%	$63.8M+5.7%	$60.4M+7.8%	$56.0M-3.6%	$58.1M-0.1%	$58.2M+8.5%	$53.6M+22.5%	$43.8M+13.5%	$38.6M+8.4%	$35.6M+9.1%	$32.6M-14.9%	$38.3M-5.4%	$40.5M
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 (Basic)	N/A	-$0.21-191.3%	$0.23+27.8%	$0.18-78.6%	$0.84-14.3%	$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
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
Diluted Shares (Avg)	N/A	21M-1.1%	21M-0.4%	21M-2.3%	22M-2.6%	22M-0.4%	22M-1.9%	23M+0.4%	23M+0.2%	23M+0.3%	23M+0.2%	22M+0.3%	22M+0.3%	22M+0.1%	22M+0.1%	22M

Metric	Q1'2710-Q	Q4'2610-K	Q3'2610-K	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-K
Revenue	$15.0M+13.2%	$2.1M-83.4%	$14.0M+10.4%	$13.6M+6.6%	$13.3M+8.9%	$12.9M+42.6%	$12.7M+2.8%	$12.8M-3.6%
SG&A Expenses	$8.0M+10.8%	$11.5M+0.6%	$7.4M+14.2%	$7.3M+12.8%	$7.2M+13.4%	$11.4M-12.7%	$6.5M+6.2%	$6.5M+10.8%
Interest Expense	$5.0M-10.2%	$5.1M-3.6%	$5.4M-5.5%	$5.6M-6.8%	$5.5M-0.8%	$5.3M-7.6%	$5.7M+16.0%	$6.0M+43.4%
Income Tax	$435K+35.1%	-$2.5M-887.9%	$363K+5.8%	$296K-30.4%	$322K+27.3%	$314K+128.7%	$343K-9.0%	$425K-39.0%
Net Income	$1.7M+38.3%	-$8.0M-800.5%	$1.4M+11.8%	$1.1M-29.4%	$1.2M+26.8%	$1.1M+138.7%	$1.2M-15.2%	$1.6M-37.0%
EPS (Basic)	$0.08+33.3%	-$0.39-880.0%	$0.07+16.7%	$0.05-28.6%	$0.06+20.0%	$0.05+135.7%	$0.06-14.3%	$0.07-41.7%
EPS (Diluted)	$0.08+33.3%	-$0.39-880.0%	$0.07+16.7%	$0.05-28.6%	$0.06+20.0%	$0.05+135.7%	$0.06-14.3%	$0.07-41.7%
Diluted Shares (Avg)	20M-2.9%	N/A	21M-1.3%	21M-0.7%	21M-0.6%	N/A	21M-0.4%	21M-0.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

RVSB Balance Sheet

RVSB quarterly balance sheet

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
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
Short-Term Investments	$0-100.0%	$203.1M	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q1'2710-Q	Q4'2610-K	Q3'2610-K	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-K
Total Assets	$1.5B-3.0%	$1.5B-3.3%	$1.5B+0.2%	$1.5B-2.5%	$1.5B-1.4%	$1.5B-0.5%	$1.5B-5.2%	$1.5B-2.2%
Cash & Equivalents	$102.2M+199.1%	$116.9M+297.3%	$28.6M+13.0%	$32.8M+6.0%	$34.2M+22.9%	$29.4M+24.4%	$25.3M-32.5%	$31.0M+0.3%
Short-Term Investments	$0	$0-100.0%	$0	$0	$0	$203.1M	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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%
Total Liabilities	$1.3B-2.1%	$1.3B-2.6%	$1.3B-0.2%	$1.3B-3.0%	$1.4B-2.0%	$1.4B-0.9%	$1.4B-5.7%	$1.4B-3.1%
Total Equity	$145.3M-10.3%	$145.6M-9.0%	$164.2M+3.8%	$163.5M+1.7%	$162.0M+3.9%	$160.0M+2.8%	$158.3M-0.1%	$160.8M+5.7%
Retained Earnings	$115.0M-4.6%	$113.7M-5.0%	$122.2M+2.7%	$121.2M+2.6%	$120.5M+3.0%	$119.7M+2.8%	$119.0M-1.4%	$118.2M-2.0%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

RVSB Cash Flow Statement

RVSB quarterly cash flow statement

Metric	TTM	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
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
Depreciation & Amortization	N/A	$3.4M+2.2%	$3.3M+20.5%	$2.8M+2.5%	$2.7M-23.5%	$3.5M+9.6%	$3.2M+8.4%	$3.0M+9.0%	$2.7M-6.8%	$2.9M+6.2%	$2.7M+5.7%	$2.6M-20.9%	$3.3M+273.0%	-$1.9M-1.1%	-$1.9M+6.8%	-$2.0M
Stock-Based Compensation	N/A	$431K+12.2%	$384K+1029.4%	$34K-91.3%	$390K+22.3%	$319K-19.4%	$396K+14.5%	$346K+686.4%	$44K-50.0%	$88K	N/A	N/A	$26K	N/A	N/A	N/A
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

Metric	Q1'2710-Q	Q4'2610-K	Q3'2610-K	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-K
Operating Cash Flow	$2.0M+391.2%	-$3.5M-2425.2%	-$506K-122.9%	$16.8M+2093.1%	-$697K-112.8%	-$139K+98.2%	$2.2M-78.1%	$764K-48.0%
Depreciation & Amortization	$710K-18.7%	$855K-3.2%	$836K-2.8%	$835K+3.7%	$873K+12.1%	$883K+6.8%	$860K+31.1%	$805K+23.1%
Stock-Based Compensation	$89K-18.3%	N/A	N/A	N/A	$109K+319.2%	N/A	N/A	N/A
Capital Expenditures	$156K+105.3%	$90K-2.2%	$230K-24.3%	$393K-82.2%	$76K-30.9%	$92K-94.9%	$304K-11.6%	$2.2M+62.9%
Free Cash Flow	$1.9M+342.4%	-$3.6M-1458.4%	-$736K-138.6%	$16.4M+1233.9%	-$773K-114.5%	-$231K+97.6%	$1.9M-80.4%	-$1.4M-1354.8%
Investing Cash Flow	-$21.9M-1058.7%	$116.3M+42547.4%	-$6.8M-121.9%	$6.5M+259.0%	$2.3M+117.4%	-$274K-100.5%	$30.8M+464.7%	-$4.1M-30.5%
Financing Cash Flow	$5.2M+64.8%	-$24.6M-648.6%	$3.1M+108.0%	-$24.6M-479.9%	$3.2M-73.3%	$4.5M+107.9%	-$38.7M-337.2%	$6.5M+152.3%
Dividends Paid	$410K-2.4%	$414K-1.9%	$418K-1.2%	$418K-0.7%	$420K-66.9%	$422K-66.7%	$423K-66.8%	$421K-66.8%
Share Buybacks	$1.7M	$697K-22.9%	$1.2M	N/A	N/A	$904K	N/A	N/A

RVSB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

RVSB quarterly financial ratios

Metric	FY2610-K	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K
Net Margin	-10.1%-19.8pp	9.7%+1.8pp	7.9%-20.5pp	28.3%-7.8pp	36.1%+17.4pp	18.7%-8.4pp	27.1%-2.6pp	29.7%+10.6pp	19.1%+2.2pp	16.9%+0.4pp	16.5%+3.9pp	12.6%-47.0pp	59.6%+52.7pp	6.9%+85.0pp	-78.2%
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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.05
FCF Margin	26.1%+15.1pp	11.0%-3.8pp	14.8%+1.3pp	13.5%-8.4pp	21.9%-14.9pp	36.8%+14.5pp	22.3%-10.5pp	32.9%+12.0pp	20.9%-19.0pp	39.9%+12.1pp	27.8%+13.4pp	14.3%-3.1pp	17.5%-5.6pp	23.1%-0.2pp	23.3%

Metric	Q1'2710-Q	Q4'2610-K	Q3'2610-K	Q2'2610-K	Q1'2610-Q	Q4'2510-K	Q3'2510-K	Q2'2510-K
Net Margin	11.3%+2.1pp	-374.6%	9.8%+0.1pp	8.1%-4.1pp	9.2%+1.3pp	8.9%+41.7pp	9.7%-2.1pp	12.2%-6.5pp
Return on Equity	1.2%+0.4pp	-5.5%-6.2pp	0.8%+0.1pp	0.7%-0.3pp	0.8%+0.1pp	0.7%+2.6pp	0.8%-0.1pp	1.0%-0.7pp
Return on Assets	0.1%0.0pp	-0.5%-0.6pp	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%+0.3pp	0.1%0.0pp	0.1%-0.1pp
Debt-to-Equity	9.13+0.8x	9.05+0.6x	8.21-0.3x	8.23-0.4x	8.36-0.5x	8.46-0.3x	8.53-0.5x	8.63-0.8x
Asset Turnover	0.010.0x	0.000.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	12.5%+18.3pp	-167.7%	-5.2%-20.2pp	120.1%	-5.8%-49.5pp	-1.8%	15.0%-63.7pp	-11.3%-12.2pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Riverview Bancorp Inc RVSB	FY2026	$43.1M	-$4.3M	-10.1%	$116.7M	25/100
Lake Shore Bancorp, Inc. LSBK	FY2025	$27.8M	$7.3M	26.1%	$141.3M	63/100
Magyar Bancorp, Inc. MGYR	FY2025	$54.7M	$9.8M	17.8%	$125.0M	56/100
Provident Financial Hldgs PROV	FY2026	$40.1M	$6.7M	16.6%	$114.5M	30/100
Sound Financial Bancorp, Inc. SFBC	FY2025	$38.9M	$7.2M	18.4%	$110.6M	25/100
CFSB Bancorp, Inc. CFSB	FY2025	$7.7M	-$265K	-3.5%	$93.3M	22/100

Where Riverview Bancorp Inc Ranks

Frequently Asked Questions

What is Riverview Bancorp Inc's annual revenue?

Riverview Bancorp Inc (RVSB) reported $43.1M in total revenue for fiscal year 2026. This represents a -14.9% 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 declined by 14.9% year-over-year, from $50.6M to $43.1M 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 -10.1%.

What is Riverview Bancorp Inc's net profit margin?

Riverview Bancorp Inc (RVSB) had a net profit margin of -10.1% 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.

Does Riverview Bancorp Inc buy back shares?

Yes, Riverview Bancorp Inc (RVSB) spent $2.7M on share buybacks during fiscal year 2026, returning capital to shareholders by reducing shares outstanding.

How many shares does Riverview Bancorp Inc have outstanding?

Riverview Bancorp Inc (RVSB) had 20M shares outstanding as of fiscal year 2026.

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 P/E ratio?

Riverview Bancorp Inc (RVSB) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $116.7M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Riverview Bancorp Inc's price-to-sales ratio?

Riverview Bancorp Inc (RVSB) trades at 2.6x sales, its market capitalization divided by revenue of $44.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $116.7M as of Oct 7, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Riverview Bancorp Inc (RVSB) has a Piotroski F-Score of 3 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 25 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.