Riverview Bancorp Inc Financials
This page shows Riverview Bancorp Inc (RVSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 17 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).
Higher funding costs are consuming most of Riverview’s balance-sheet earnings power despite steady revenue and slightly lower leverage.
Interest expense jumped from$4.1M to$22.6M , so a business with roughly stable revenue and assets now keeps far less after funding its balance sheet. That shows up in ROA, which fell from1.1% to0.3% , meaning the asset base is still producing income but with much thinner efficiency.
Reported leverage eased to 8.5x debt-to-equity while equity capital reached
Operating cash flow stayed above net income at
Financial Health Signals
Based on FY2026 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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's revenue grew 5.2% year-over-year to $62.0M, a solid pace of expansion. This earns a growth score of 41/100.
Riverview Bancorp Inc has elevated debt relative to equity (D/E of 9.05), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Riverview Bancorp Inc has a free cash flow margin of 18.1%, earning a moderate score of 61/100. The company generates positive cash flow after capital investments, but with room for improvement.
Riverview Bancorp Inc generates a -3.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 11/100. This is down from 3.1% the prior year.
Riverview Bancorp Inc passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Riverview Bancorp Inc generates $-2.77 in operating cash flow ($12.0M OCF vs -$4.3M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
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.
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 against $0 in long-term debt as of fiscal year 2026.
Riverview Bancorp Inc paid $0.08 per share in dividends in fiscal year 2026. This represents an increase of 0.0% from the prior year.
Riverview Bancorp Inc had 21M shares outstanding in fiscal year 2026. This represents a decrease of 2.0% 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.
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.
RVSB Income Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $15.3M-4.2% | $16.0M+3.9% | $15.4M0.0% | $15.4M+6.1% | $14.5M-4.2% | $15.1M+1.2% | $14.9M+3.8% | $14.4M |
| 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 | $11.5M+55.7% | $7.4M+1.2% | $7.3M+0.8% | $7.2M-36.6% | $11.4M+76.8% | $6.5M-0.1% | $6.5M+1.4% | $6.4M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $5.1M-5.7% | $5.4M-3.0% | $5.6M+1.0% | $5.5M+4.4% | $5.3M-7.6% | $5.7M-4.3% | $6.0M+7.6% | $5.6M |
| Income Tax | -$2.5M-781.5% | $363K+22.6% | $296K-8.1% | $322K+2.5% | $314K-8.5% | $343K-19.3% | $425K+68.0% | $253K |
| Net Income | -$8.0M-684.0% | $1.4M+25.3% | $1.1M-10.3% | $1.2M+6.7% | $1.1M-6.8% | $1.2M-20.9% | $1.6M+61.2% | $966K |
| EPS (Diluted) | $-0.39-657.1% | $0.07+40.0% | $0.05-16.7% | $0.06+20.0% | $0.05-16.7% | $0.06-14.3% | $0.07+40.0% | $0.05 |
RVSB Balance Sheet
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.5B-3.2% | $1.5B+0.2% | $1.5B-0.5% | $1.5B+0.2% | $1.5B+0.3% | $1.5B-2.6% | $1.5B+0.7% | $1.5B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $116.9M+308.0% | $28.6M-12.7% | $32.8M-4.0% | $34.2M+16.2% | $29.4M+16.0% | $25.3M-18.1% | $31.0M+11.4% | $27.8M |
| 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 | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M0.0% | $27.1M |
| Total Liabilities | $1.3B-2.2% | $1.3B+0.2% | $1.3B-0.6% | $1.4B+0.1% | $1.4B+0.2% | $1.4B-2.7% | $1.4B+0.4% | $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 | $145.6M-11.3% | $164.2M+0.4% | $163.5M+0.9% | $162.0M+1.2% | $160.0M+1.1% | $158.3M-1.6% | $160.8M+3.1% | $155.9M |
| Retained Earnings | $113.7M-6.9% | $122.2M+0.8% | $121.2M+0.6% | $120.5M+0.7% | $119.7M+0.6% | $119.0M+0.7% | $118.2M+1.0% | $117.0M |
RVSB Cash Flow Statement
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$3.5M-593.7% | -$506K-103.0% | $16.8M+2503.9% | -$697K-401.4% | -$139K-106.3% | $2.2M+189.1% | $764K-85.9% | $5.4M |
| Capital Expenditures | $90K-60.9% | $230K-41.5% | $393K+417.1% | $76K-17.4% | $92K-69.7% | $304K-86.2% | $2.2M+1906.4% | $110K |
| Free Cash Flow | -$3.6M-389.1% | -$736K-104.5% | $16.4M+2216.7% | -$773K-234.6% | -$231K-112.1% | $1.9M+232.0% | -$1.4M-127.1% | $5.3M |
| Investing Cash Flow | $116.3M+1819.2% | -$6.8M-204.1% | $6.5M+184.4% | $2.3M+933.9% | -$274K-100.9% | $30.8M+854.6% | -$4.1M+68.9% | -$13.2M |
| Financing Cash Flow | -$24.6M-891.8% | $3.1M+112.6% | -$24.6M-876.6% | $3.2M-29.2% | $4.5M+111.6% | -$38.7M-696.7% | $6.5M-45.5% | $11.9M |
| Dividends Paid | $414K-1.0% | $418K0.0% | $418K-0.5% | $420K-0.5% | $422K-0.2% | $423K+0.5% | $421K-66.8% | $1.3M |
| Share Buybacks | $697K-42.3% | $1.2M | N/A | N/A | $904K | N/A | N/A | N/A |
RVSB Financial Ratios
| Metric | Q4'26 | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 |
|---|---|---|---|---|---|---|---|---|
| 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 | -52.6%-61.2pp | 8.6%+1.5pp | 7.1%-0.8pp | 8.0%+0.0pp | 7.9%-0.2pp | 8.1%-2.3pp | 10.4%+3.7pp | 6.7% |
| Return on Equity | -5.5%-6.4pp | 0.8%+0.2pp | 0.7%-0.1pp | 0.8%+0.0pp | 0.7%-0.1pp | 0.8%-0.2pp | 1.0%+0.4pp | 0.6% |
| Return on Assets | -0.5%-0.6pp | 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 | 9.05+0.8 | 8.21-0.0 | 8.23-0.1 | 8.36-0.1 | 8.46-0.1 | 8.53-0.1 | 8.63-0.2 | 8.87 |
| FCF Margin | -23.5%-18.9pp | -4.6%-111.1pp | 106.4%+111.5pp | -5.0%-3.4pp | -1.6%-14.2pp | 12.6%+22.3pp | -9.7%-46.7pp | 37.0% |
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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 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 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) has an earnings quality ratio of -2.77x, considered mixed 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 19 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.