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.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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 item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 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
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.13 | 1.88 | 0.48 | 0.62 | 1.97 | 0.82 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 21.4% | 17.4% | 23.7% | 22.8% | 22.2% | 23.5% |
| Return on assets | 0.3% | 0.2% | 1.1% | 1.3% | 0.7% | 1.3% |
| Return on equity | 3.1% | 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 | - | 0.2x | 5.8x | 9.4x | 3.9x | 4.3x |
| Equity multiplier | 9.46 | 9.78 | 10.24 | 11.07 | 10.22 | 7.93 |
| Liabilities / Assets | 0.89 | 0.90 | 0.90 | 0.91 | 0.90 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 24.6x | 26.2x | - | - | - | - |
| P / B | 0.7x | 0.6x | - | - | - | - |
| 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
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-date | Per 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 |