CoverageForm 410-K10-Q8-K13D13G13F

RVSB · Riverview Bancorp Inc - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · RVSB

Income Statement

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue------
Cost of Revenue------
Gross Profit------
R&D------
SG&A------
Total Operating Expenses------
D&A------
Operating Income$6.24M$4.60M$23.68M$20.58M$13.45M$20.58M
Interest Expense-$18.47M$4.06M$2.20M$3.43M$4.76M
Income Tax$1.33M$802.0K$5.61M$6.46M$2.98M$4.83M
Net Income$4.90M$3.80M$18.07M$21.82M$10.47M$15.75M
EPS - Basic$0.23$0.18$0.84$0.98$0.47$0.70
EPS - Diluted$0.23$0.18$0.83$0.98$0.47$0.69

Balance Sheet

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash & Equivalents$29.41M$23.64M$22.04M$241.42M$265.41M$41.97M
Accounts Receivable------
Inventory------
Accounts Payable------
Current Assets------
Total Assets$1.51B$1.52B$1.59B$1.74B$1.55B$1.18B
Current Liabilities------
Long-term Debt------
Total Liabilities$1.35B$1.37B$1.43B$1.58B$1.40B$1.03B
Stockholders' Equity$160.01M$155.59M$155.24M$157.25M$151.59M$148.84M
Retained Earnings$119.72M$116.50M$117.83M$104.93M$87.88M$81.87M

Cash Flow

Line itemFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Operating Cash Flow$8.27M$12.75M$13.57M$16.46M$24.17M$15.92M
Investing Cash Flow$13.33M$63.56M($76.25M)($221.66M)($150.25M)($878.0K)
Financing Cash Flow($15.82M)($74.71M)($156.71M)$181.21M$349.52M$3.98M
CapEx$2.71M$5.61M$4.96M$2.95M$3.55M$2.95M
Free Cash Flow$5.56M$7.14M$8.61M$13.51M$20.61M$12.96M

Ratios

MetricFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Profitability
Gross margin------
Operating margin------
EBITDA margin------
Net margin------
Free cash flow margin------
FCF / Net income1.131.880.480.621.970.82
R&D / Revenue------
SG&A / Revenue------
Effective tax rate21.4%17.4%23.7%22.8%22.2%23.5%
Return on assets0.3%0.2%1.1%1.3%0.7%1.3%
Return on equity3.1%2.4%11.6%13.9%6.9%10.6%
Return on invested capital------
Liquidity
Current ratio------
Quick ratio------
Cash ratio------
Leverage
Debt / Equity------
Debt / Assets------
Debt / EBITDA------
Interest coverage-0.2x5.8x9.4x3.9x4.3x
Equity multiplier9.469.7810.2411.0710.227.93
Liabilities / Assets0.890.900.900.910.900.87
Efficiency
Asset turnover------
Inventory turnover------
Days sales outstanding------
Days inventory outstanding------
Days payable outstanding------
Cash conversion cycle------
Valuation
P / E24.6x26.2x----
P / B0.7x0.6x----
P / S------
EV / EBITDA------
Growth
Revenue growth (YoY)------
Revenue CAGR (3y)------
Revenue CAGR (5y)------
Gross profit growth (YoY)------
Operating income growth (YoY)35.6%-80.6%15.1%53.0%-34.6%-8.2%
Net income growth (YoY)29.1%-79.0%-17.2%108.4%-33.5%-8.8%
EPS growth (YoY)27.8%-78.3%-15.3%108.5%-31.9%-9.2%
EPS CAGR (3y)-38.3%-27.4%6.4%8.8%1.5%27.9%
EPS CAGR (5y)-19.7%-25.0%13.0%24.3%10.9%28.1%
FCF growth (YoY)-22.2%-17.1%-36.3%-34.5%59.0%-32.2%
FCF CAGR (5y)-15.6%-17.9%-5.1%-5.3%14.0%20.5%
Book value growth (YoY)2.8%0.2%-1.3%3.7%1.8%11.8%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

5/9
Neutral
  • Net income positive
  • Operating cash flow positive
  • ROA improved YoY
  • Cash flow > net income
  • -Long-term debt decreased
  • -Current ratio improved
  • No share dilution
  • -Gross margin improved
  • -Asset turnover improved

Peer comparison

Same SIC group: Savings Institution, Federally Chartered

CompanyRevenue (last FY)Net marginROE
CLBK$580.0K8925.2%4.5%
AX$65.79M658.0%16.1%
WNEB--6.2%
PFS$73.11M398.3%10.3%
TFSL--4.8%

Comparing RIVERVIEW BANCORP INC against the 5 most active filers in the same SIC group.

Dividends

$0.08/share trailing 12 months · 0.0% YoY

Ex-datePer share
Apr 13, 2026$0.0200
Jan 5, 2026$0.0200
Oct 9, 2025$0.0200
Jul 10, 2025$0.0200
Apr 14, 2025$0.0200
Jan 2, 2025$0.0200
Oct 7, 2024$0.0200
Jul 10, 2024$0.0200
Apr 10, 2024$0.0600
Jan 4, 2024$0.0600
Oct 11, 2023$0.0600
Jul 10, 2023$0.0600
Apr 6, 2023$0.0600
Jan 3, 2023$0.0600
Oct 12, 2022$0.0600
Jul 7, 2022$0.0600
Apr 8, 2022$0.0550
Jan 4, 2022$0.0550
Oct 6, 2021$0.0550
Jul 8, 2021$0.0500
Apr 7, 2021$0.0500
Jan 4, 2021$0.0500
Oct 7, 2020$0.0500
Jul 8, 2020$0.0500