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Riverview Bancorp (RVSB) Financials

Riverview Bancorp logo
$5.29 0.00 (0.00%)
Closing price 04:00 PM Eastern
Extended Trading
$5.28 0.00 (-0.09%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Riverview Bancorp

Annual Income Statements for Riverview Bancorp

This table shows Riverview Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.36 -0.76 10 - 16 10 22 18 3.80 4.90 -4.34
Consolidated Net Income / (Loss)		 6.36 7.40 10 - 16 10 22 18 3.80 4.90 -4.34
Net Income / (Loss) Continuing Operations		 6.36 -0.76 10 - 16 10 22 18 3.80 4.90 -4.34
Total Pre-Tax Income 		9.78 11 18 - 21 13 28 24 4.60 6.24 -5.83
Total Revenue		 39 36 54 - 58 56 60 64 48 51 43
Net Interest Income / (Expense)		 29 34 43 - 46 45 48 52 38 36 40
Total Interest Income		 31 36 45 - 50 48 50 56 57 59 62
Loans and Leases Interest Income		 28 32 40 - 46 45 44 45 46 51 55
Investment Securities Interest Income		 2.71 3.58 4.74 - 3.56 2.55 5.24 9.05 9.23 7.18 5.95
Other Interest Income		 0.44 0.44 0.56 - 0.53 0.30 0.51 1.88 1.29 1.16 1.05
Total Interest Expense		 1.74 1.87 2.35 - 4.76 3.43 2.20 4.06 18 23 22
Deposits Interest Expense		 1.17 1.15 1.21 - 2.89 2.54 1.42 1.50 8.29 15 17
Long-Term Debt Interest Expense		 0.57 0.72 1.14 - 1.87 0.88 0.78 2.56 10 7.31 4.91
Total Non-Interest Income		 9.38 10 11 - 12 11 13 12 10 14 2.74
Other Service Charges		 8.08 0.43 9.19 - 0.55 0.25 0.23 0.28 0.48 1.15 0.59
Net Realized & Unrealized Capital Gains on Investments		 0.53 0.66 0.64 - - - 0.00 0.00 -2.73 0.00 -11
Other Non-Interest Income		 0.77 0.76 0.82 - 12 11 13 12 12 13 13
Provision for Credit Losses		 -1.15 0.00 0.00 - 1.25 6.30 -4.63 0.75 0.00 0.10 1.26
Total Non-Interest Expense		 30 33 36 - 36 36 37 39 44 44 48
Salaries and Employee Benefits		 18 19 22 - 23 23 24 24 24 26 29
Net Occupancy & Equipment Expense		 6.79 7.25 7.77 - 8.13 8.44 8.56 8.89 9.65 11 11
Marketing Expense		 0.67 0.75 0.75 - 0.86 0.47 0.61 0.92 1.28 1.28 1.06
Property & Liability Insurance Claims		 0.50 0.36 0.48 - 0.08 0.32 0.44 0.53 0.71 0.69 0.67
Other Operating Expenses		 4.29 5.24 4.65 - 4.23 4.30 4.34 4.92 7.78 5.59 6.27
Amortization Expense		 0.00 0.03 0.23 - 0.16 0.14 0.12 0.12 0.11 0.10 0.09
Income Tax Expense		 3.43 3.39 7.76 - 4.83 2.98 6.46 5.61 0.80 1.34 -1.49
Basic Earnings per Share		 $0.28 $0.33 $0.45 - $0.69 $0.47 $0.98 $0.84 $0.18 $0.23 ($0.21)
Weighted Average Basic Shares Outstanding		 22.45M 22.48M 22.53M 22.59M 22.71M 22.30M 22.21M 21.64M 21.14M 21.06M 20.84M
Diluted Earnings per Share		 $0.28 $0.33 $0.45 - $0.69 $0.47 $0.98 $0.83 $0.18 $0.23 ($0.21)
Weighted Average Diluted Shares Outstanding		 22.49M 22.55M 22.62M 22.59M 22.74M 22.31M 22.22M 21.65M 21.14M 21.06M 20.84M
Weighted Average Basic & Diluted Shares Outstanding		 22.70M 22.40M 22.80M 22.59M 22.71M 22.30M 22.13M 21.12M 21.11M 20.98M 20.28M
Cash Dividends to Common per Share		 $0.07 $0.08 $0.11 $0.15 $0.19 $0.20 $0.22 $0.24 $0.24 $0.08 $0.08

Quarterly Income Statements for Riverview Bancorp

This table shows Riverview Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.47 1.45 -2.97 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -8.04
Consolidated Net Income / (Loss)		 2.47 1.45 -2.97 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -8.04
Net Income / (Loss) Continuing Operations		 2.47 1.45 -2.97 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -8.04
Total Pre-Tax Income 		3.17 1.83 -4.06 1.22 1.98 1.58 1.46 1.55 1.40 1.74 -11
Total Revenue		 13 12 9.05 12 13 13 13 13 14 14 2.15
Net Interest Income / (Expense)		 9.85 9.32 8.55 8.82 8.94 9.39 9.19 9.84 9.78 11 10
Total Interest Income		 14 14 14 14 15 15 14 15 15 16 15
Loans and Leases Interest Income		 11 12 12 12 13 13 13 13 14 14 14
Investment Securities Interest Income		 2.33 2.30 2.21 2.04 1.94 1.65 1.55 1.73 1.46 1.40 1.35
Other Interest Income		 0.28 0.33 0.34 0.31 0.32 0.27 0.26 0.29 0.25 0.24 0.27
Total Interest Expense		 4.18 4.95 5.74 5.58 6.00 5.74 5.30 5.53 5.59 5.42 5.11
Deposits Interest Expense		 1.83 2.06 3.02 3.45 3.86 4.10 3.91 3.77 4.36 4.37 4.25
Long-Term Debt Interest Expense		 2.35 2.89 2.72 2.13 2.15 1.64 1.39 1.76 1.23 1.06 0.87
Total Non-Interest Income		 3.41 3.06 0.49 3.37 3.84 3.34 3.71 3.43 3.84 3.50 -8.03
Other Service Charges		 0.14 0.05 0.20 0.06 0.61 3.12 -2.63 0.08 0.39 0.09 0.04
Other Non-Interest Income		 3.27 3.01 3.03 3.31 3.24 0.23 6.34 3.35 3.45 3.41 3.28
Total Non-Interest Expense		 10 11 13 11 11 11 11 12 12 12 12
Salaries and Employee Benefits		 5.85 6.09 6.23 6.39 6.48 6.47 6.76 7.25 7.30 7.39 6.87
Net Occupancy & Equipment Expense		 2.36 2.41 2.63 2.66 2.62 2.61 2.62 2.61 2.64 2.73 2.78
Marketing Expense		 0.36 0.28 0.33 0.31 0.37 0.32 0.28 0.24 0.33 0.26 0.23
Property & Liability Insurance Claims		 0.18 0.18 0.18 0.18 0.17 0.17 0.17 0.16 0.17 0.17 0.17
Other Operating Expenses		 1.33 1.56 3.73 1.41 1.05 1.55 1.58 1.44 1.76 1.64 1.43
Amortization Expense		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02 0.02
Income Tax Expense		 0.70 0.38 -1.10 0.25 0.43 0.34 0.31 0.32 0.30 0.36 -2.47
Basic Earnings per Share		 $0.12 $0.07 ($0.14) $0.05 $0.07 $0.06 $0.05 $0.06 $0.05 $0.07 ($0.39)
Weighted Average Basic Shares Outstanding		 21.19M 21.11M 21.14M 21.11M 21.10M 21.04M 21.06M 20.98M 20.95M 20.76M 20.84M
Diluted Earnings per Share		 $0.12 $0.07 ($0.14) $0.05 $0.07 $0.06 $0.05 $0.06 $0.05 $0.07 ($0.39)
Weighted Average Diluted Shares Outstanding		 21.19M 21.11M 21.14M 21.11M 21.10M 21.04M 21.06M 20.98M 20.95M 20.76M 20.84M
Weighted Average Basic & Diluted Shares Outstanding		 21.11M 21.11M 21.11M 21.10M 21.07M 20.98M 20.98M 20.95M 20.75M 20.71M 20.28M

Annual Cash Flow Statements for Riverview Bancorp

This table details how cash moves in and out of Riverview Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -3.26 9.21 -20 -22 19 223 -24 -219 1.60 5.77 87
Net Cash From Operating Activities		 11 18 12 20 16 24 16 14 13 8.27 12
Net Cash From Continuing Operating Activities		 11 18 12 20 16 24 16 14 13 8.27 12
Net Income / (Loss) Continuing Operations		 6.36 7.40 10 17 16 10 22 18 3.80 4.90 -4.34
Consolidated Net Income / (Loss)		 6.36 7.40 10 17 16 10 22 18 3.80 4.90 -4.34
Provision For Loan Losses		 -1.15 0.00 0.00 0.05 1.25 6.30 -4.63 0.75 0.00 0.10 1.26
Depreciation Expense		 2.60 2.75 2.92 2.72 2.96 3.21 3.52 2.69 2.76 3.33 3.40
Amortization Expense		 0.70 0.44 -0.28 -0.15 0.05 0.27 -0.01 0.03 0.08 0.08 -0.02
Non-Cash Adjustments to Reconcile Net Income		 -0.35 -1.06 -0.61 -1.90 -0.07 -0.13 -1.97 -0.58 1.71 -0.30 9.22
Changes in Operating Assets and Liabilities, net		 2.93 8.52 -0.34 2.17 -4.03 4.04 -2.27 -7.39 4.41 0.15 2.53
Net Cash From Investing Activities		 -71 -77 -46 -25 -0.88 -150 -222 -76 64 13 118
Net Cash From Continuing Investing Activities		 -71 -77 -46 -25 -0.88 -150 -222 -76 64 13 118
Purchase of Investment Securities		 -107 -135 -91 -67 -57 -198 -273 -105 -21 -41 -59
Sale and/or Maturity of Investments		 37 44 46 43 56 48 51 29 85 54 177
Net Cash From Financing Activities		 56 68 14 -17 3.98 350 181 -157 -75 -16 -43
Net Cash From Continuing Financing Activities		 56 68 14 -17 3.98 350 181 -157 -75 -16 -43
Net Change in Deposits		 59 69 16 -71 65 356 188 -269 -34 0.65 22
Issuance of Debt		 4.10 23 56 327 225 31 2.00 200 605 613 757
Repayment of Debt		 -4.14 -23 -56 -270 -282 -31 -2.05 -76 -641 -625 -817
Repurchase of Common Equity		 - - 0.00 0.00 -1.02 -1.45 -1.94 -6.71 -0.58 -2.00 -2.72
Payment of Dividends		 -1.26 -1.80 -2.14 -3.16 -4.08 -4.48 -4.67 -5.12 -5.08 -2.53 -1.67
Other Financing Activities, Net		 -1.33 0.10 0.19 0.17 0.30 -0.13 0.05 0.07 -0.01 0.03 -0.01
Cash Interest Paid		 1.57 1.66 2.18 2.69 4.58 3.26 1.95 3.74 17 22 21
Cash Income Taxes Paid		 0.24 0.29 3.28 6.88 4.44 4.74 5.41 6.24 1.87 -0.13 1.19

Quarterly Cash Flow Statements for Riverview Bancorp

This table details how cash moves in and out of Riverview Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 0.91 6.70 -14 4.16 3.16 -5.61 4.07 4.76 -1.36 -4.17 88
Net Cash From Operating Activities		 1.47 10 -7.87 5.44 0.76 2.21 -0.14 -0.70 17 -0.51 -3.51
Net Cash From Continuing Operating Activities		 1.47 10 -7.87 5.44 0.76 2.21 -0.14 -0.70 17 -0.51 -3.51
Net Income / (Loss) Continuing Operations		 2.47 1.45 -2.97 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -8.04
Consolidated Net Income / (Loss)		 2.47 1.45 -2.97 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -8.04
Provision For Loan Losses		 - - - - - - - - - 0.10 1.16
Depreciation Expense		 0.65 0.66 0.83 0.78 0.81 0.86 0.88 0.87 0.84 0.84 0.86
Amortization Expense		 0.06 0.01 -0.02 0.02 0.02 0.03 0.02 -0.05 0.02 0.02 -0.02
Non-Cash Adjustments to Reconcile Net Income		 -0.33 -0.19 2.53 -0.19 -0.25 0.04 0.10 -0.11 -0.10 -0.08 9.51
Changes in Operating Assets and Liabilities, net		 -1.38 8.16 -8.24 3.86 -1.46 0.05 -2.29 -2.64 15 -2.77 -6.97
Net Cash From Investing Activities		 -3.13 5.46 51 -13 -4.09 31 -0.27 2.29 6.50 -6.77 116
Net Cash From Continuing Investing Activities		 -3.13 5.46 51 -13 -4.09 31 -0.27 2.29 6.50 -6.77 116
Purchase of Investment Securities		 -13 -3.56 -6.38 -22 -18 17 -18 -12 3.73 -18 -33
Sale and/or Maturity of Investments		 9.90 9.02 57 9.09 13 14 17 14 2.77 11 150
Net Cash From Financing Activities		 2.57 -8.84 -57 12 6.48 -39 4.48 3.17 -25 3.10 -25
Net Cash From Continuing Financing Activities		 2.57 -8.84 -57 12 6.48 -39 4.48 3.17 -25 3.10 -25
Net Change in Deposits		 -3.56 -21 13 -12 18 -18 13 -22 27 -2.91 21
Issuance of Debt		 108 200 140 152 142 179 140 237 128 219 173
Repayment of Debt		 -101 -186 -208 -127 -154 -197 -148 -211 -178 -210 -218
Repurchase of Common Equity		 - - - - - -1.10 -0.90 - - -1.21 -0.70
Payment of Dividends		 -1.27 -1.28 -1.27 -1.27 -0.42 -0.42 -0.42 -0.42 -0.42 -0.42 -0.41
Other Financing Activities, Net		 0.32 -0.58 0.28 -0.03 0.30 -0.53 0.30 -0.06 0.30 -0.55 0.29
Cash Interest Paid		 4.04 4.77 5.04 5.09 5.41 5.70 5.43 5.62 4.38 6.85 4.32
Cash Income Taxes Paid		 1.17 0.45 0.25 0.02 0.03 0.02 -0.20 0.02 0.50 0.30 0.37

Annual Balance Sheets for Riverview Bancorp

This table presents Riverview Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
Total Assets		 921 1,134 1,152 1,157 1,181 1,549 1,740 1,590 1,522 1,513 1,464
Cash and Due from Banks		 55 65 45 23 42 265 241 22 24 29 117
Trading Account Securities		 151 200 213 178 148 256 419 455 373 323 155
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 15 16 16 15 16 18 17 20 22 22 21
Goodwill		 26 27 27 27 27 27 27 27 27 27 27
Intangible Assets		 - 1.34 1.10 0.92 0.76 0.62 0.50 0.38 0.27 0.17 0.08
Other Assets		 43 44 43 46 48 58 59 71 1,076 1,112 1,144
Total Liabilities & Shareholders' Equity		 921 1,134 1,152 1,157 1,181 1,549 1,740 1,590 1,522 1,513 1,464
Total Liabilities		 813 1,023 1,035 1,024 1,032 1,398 1,583 1,434 1,366 1,353 1,318
Non-Interest Bearing Deposits		 780 980 996 925 990 1,346 1,534 1,265 1,232 1,232 1,254
Interest Bearing Deposits		 0.61 0.69 0.64 0.63 0.70 0.52 0.56 0.63 0.58 0.61 0.61
Long-Term Debt		 23 26 26 83 27 27 27 151 115 103 43
Other Long-Term Liabilities		 7.39 13 9.39 15 14 24 22 18 18 17 20
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 108 111 117 133 149 152 157 155 156 160 146
Total Preferred & Common Equity		 108 111 117 133 149 152 157 155 156 160 146
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 - - - 0.00 0.00 0.00
Total Common Equity		 108 111 117 133 149 152 157 155 156 160 146
Common Stock		 65 65 65 65 65 64 62 56 55 54 51
Retained Earnings		 43 48 57 70 82 88 105 118 116 120 114
Accumulated Other Comprehensive Income / (Loss)		 1.08 -1.69 -4.75 -2.63 2.10 -0.16 -9.95 -18 -16 -13 -19

Quarterly Balance Sheets for Riverview Bancorp

This table presents Riverview Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026 Q3 2026
Period end date 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 6/30/2025 9/30/2025 12/31/2025
Total Assets		 1,584 1,591 1,538 1,548 1,509 1,517 1,510 1,512
Cash and Due from Banks		 31 38 28 31 25 34 33 29
Trading Account Securities		 430 429 363 355 337 316 311 302
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 23 22 21 23 23 22 22 21
Goodwill		 27 27 27 27 27 27 27 27
Intangible Assets		 0.33 0.30 0.25 0.22 0.20 0.15 0.12 0.10
Other Assets		 1,073 1,074 1,099 1,112 1,096 1,117 1,117 1,134
Total Liabilities & Shareholders' Equity		 1,584 1,591 1,538 1,548 1,509 1,517 1,510 1,512
Total Liabilities		 1,432 1,432 1,382 1,388 1,350 1,355 1,346 1,348
Non-Interest Bearing Deposits		 1,240 1,219 1,220 1,237 1,219 1,210 1,236 1,234
Interest Bearing Deposits		 0.88 0.30 0.55 0.85 0.32 0.56 0.86 0.31
Long-Term Debt		 170 184 141 129 111 130 79 88
Other Long-Term Liabilities		 21 29 22 20 20 15 29 27
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 152 158 156 161 158 162 164 164
Total Preferred & Common Equity		 152 158 156 161 158 162 164 164
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 152 158 156 161 158 162 164 164
Common Stock		 55 55 55 55 54 54 53 52
Retained Earnings		 121 121 117 118 119 121 121 122
Accumulated Other Comprehensive Income / (Loss)		 -24 -17 -16 -13 -15 -12 -11 -10

Annual Metrics And Ratios for Riverview Bancorp

This table displays calculated financial ratios and metrics derived from Riverview Bancorp's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 3/31/2016 3/31/2017 3/31/2018 3/31/2019 3/31/2020 3/31/2021 3/31/2022 3/31/2023 3/31/2024 3/31/2025 3/31/2026
DEI Shares Outstanding		 22,507,890.00 22,510,890.00 22,569,423.00 22,607,712.00 22,748,385.00 22,345,235.00 22,176,612.00 21,496,335.00 - 20,976,200.00 20,710,901.00
DEI Adjusted Shares Outstanding		 22,507,890.00 22,510,890.00 22,569,423.00 22,607,712.00 22,748,385.00 22,345,235.00 22,176,612.00 21,496,335.00 - 20,976,200.00 20,710,901.00
DEI Earnings Per Adjusted Shares Outstanding		 0.28 0.33 0.45 0.00 0.69 0.47 0.98 0.84 - 0.23 -0.21
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.42% -7.71% 50.57% 0.00% 0.00% -3.59% 7.79% 5.68% -24.25% 4.70% -14.85%
EBITDA Growth		 31.78% -55.55% 255.01% -87.54% 817.70% -28.21% 87.65% -16.95% -71.83% 29.72% -125.46%
EBIT Growth		 47.33% -73.16% 585.34% -100.00% 0.00% -34.62% 110.18% -16.26% -80.57% 35.58% -193.52%
NOPAT Growth		 41.57% 16.45% 38.33% -100.00% 0.00% -33.50% 108.37% -17.19% -78.98% 29.06% -183.29%
Net Income Growth		 41.57% 16.45% 38.33% 0.00% 0.00% -33.50% 108.37% -17.19% -78.98% 29.06% -188.54%
EPS Growth		 40.00% 17.86% 36.36% 0.00% 0.00% -31.88% 108.51% -15.31% -78.31% 27.78% -191.30%
Operating Cash Flow Growth		 99.17% 63.02% -33.89% 68.81% -21.02% 51.83% -31.88% -17.54% -6.05% -35.16% 45.61%
Free Cash Flow Firm Growth		 269.44% -67.39% 525.38% -1,654.19% 180.22% -86.49% 110.61% -745.27% 137.41% -68.33% 473.50%
Invested Capital Growth		 3.20% 5.01% 4.07% 48.33% -18.85% 1.62% 3.22% 66.18% -11.45% -2.73% -28.31%
Revenue Q/Q Growth		 1.40% -14.13% 44.39% 0.00% 0.00% 4.94% -2.75% -0.14% -10.61% 8.24% -19.97%
EBITDA Q/Q Growth		 16.10% -52.03% 381.84% -90.42% 731.36% 23.50% -4.68% -3.09% -54.19% 133.64% -125.35%
EBIT Q/Q Growth		 22.61% -73.30% 945.12% -100.00% 0.00% 29.67% -5.18% -2.76% -65.92% 667.28% -193.43%
NOPAT Q/Q Growth		 -1.75% 9.28% 10.52% -100.00% 0.00% 5.23% 3.37% -5.94% -61.04% 523.00% -184.22%
Net Income Q/Q Growth		 -1.75% 9.28% 10.52% 0.00% 0.00% 5.23% 3.37% -5.94% -61.04% 523.00% -189.52%
EPS Q/Q Growth		 -3.45% 10.00% 7.14% 0.00% 0.00% 6.82% 2.08% -4.60% -60.87% 475.00% -191.30%
Operating Cash Flow Q/Q Growth		 29.45% 19.11% -6.02% -21.47% -7.27% 68.42% -8.82% -36.75% -33.59% 1,425.83% -21.87%
Free Cash Flow Firm Q/Q Growth		 -53.95% -78.60% 254.01% -144.84% 195.11% 101.03% 64.82% -5,034.09% 131.93% -83.33% 213.17%
Invested Capital Q/Q Growth		 1.74% 4.14% -0.64% 12.88% 1.77% -0.14% -3.09% 44.85% -20.91% -2.24% -25.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.90% 16.33% 38.49% 0.00% 40.62% 30.24% 52.65% 41.38% 15.39% 19.07% -5.70%
EBIT Margin		 25.36% 7.38% 33.57% 0.00% 35.42% 24.02% 46.84% 37.11% 9.52% 12.33% -13.54%
Profit (Net Income) Margin		 16.48% 20.79% 19.10% 0.00% 27.11% 18.70% 36.14% 28.32% 7.86% 9.69% -10.08%
Tax Burden Percent		 64.98% 68.61% 56.91% 0.00% 76.53% 77.84% 77.17% 76.31% 82.57% 78.60% 74.41%
Interest Burden Percent		 100.00% 410.93% 100.00% 0.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 35.02% 31.39% 43.09% 0.00% 23.47% 22.16% 22.83% 23.69% 17.43% 21.40% 0.00%
Return on Invested Capital (ROIC)		 4.84% 5.41% 7.16% 0.00% 8.04% 5.92% 12.04% 7.38% 1.32% 1.84% -1.81%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.84% 5.41% 7.16% 0.00% 8.04% 5.92% 12.04% 7.38% 1.32% 1.84% -2.16%
Return on Net Nonoperating Assets (RNNOA)		 1.14% 1.33% 1.81% 0.00% 3.13% 1.05% 2.09% 4.19% 1.13% 1.27% -1.04%
Return on Equity (ROE)		 5.98% 6.75% 8.98% 0.00% 11.17% 6.97% 14.13% 11.56% 2.44% 3.11% -2.84%
Cash Return on Invested Capital (CROIC)		 1.69% 0.53% 3.17% -38.92% 28.86% 4.32% 8.87% -42.35% 13.46% 4.60% 31.17%
Operating Return on Assets (OROA)		 1.10% 0.26% 1.57% 0.00% 1.76% 0.99% 1.72% 1.42% 0.30% 0.41% -0.39%
Return on Assets (ROA)		 0.71% 0.72% 0.90% 0.00% 1.35% 0.77% 1.33% 1.09% 0.24% 0.32% -0.29%
Return on Common Equity (ROCE)		 5.97% 6.75% 8.98% 0.00% 11.17% 6.97% 14.13% 11.56% 2.44% 3.11% -2.84%
Return on Equity Simple (ROE_SIMPLE)		 5.87% 6.65% 8.76% 0.00% 10.58% 6.91% 13.88% 11.64% 2.44% 3.06% -2.98%
Net Operating Profit after Tax (NOPAT)		 6.36 7.40 10 0.00 16 10 22 18 3.80 4.90 -4.08
NOPAT Margin		 16.48% 20.79% 19.10% 0.00% 27.11% 18.70% 36.14% 28.32% 7.86% 9.69% -9.48%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.35%
SG&A Expenses to Revenue		 65.21% 76.83% 56.43% 0.00% 54.73% 56.20% 54.35% 52.97% 72.70% 74.87% 94.31%
Operating Expenses to Revenue		 77.62% 92.63% 66.43% 0.00% 62.42% 64.73% 60.82% 61.71% 90.48% 87.47% 110.63%
Earnings before Interest and Taxes (EBIT)		 9.78 2.63 18 0.00 21 13 28 24 4.60 6.24 -5.83
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 13 5.81 21 2.57 24 17 32 26 7.44 9.65 -2.46
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 1.15 1.45 1.02 0.64 0.90 0.97 0.69 0.63 0.73 0.78
Price to Tangible Book Value (P/TBV)		 0.90 1.55 1.92 1.29 0.79 1.10 1.17 0.84 0.76 0.88 0.96
Price to Revenue (P/Rev)		 1.92 3.60 3.17 0.00 1.65 2.44 2.52 1.67 2.02 2.30 2.63
Price to Earnings (P/E)		 11.68 0.00 16.61 0.00 6.08 13.06 6.97 5.91 25.75 23.73 0.00
Dividend Yield		 2.05% 1.40% 1.26% 2.33% 4.28% 4.09% 3.06% 4.73% 5.18% 2.16% 1.46%
Earnings Yield		 8.56% 0.00% 6.02% 0.00% 16.46% 7.66% 14.34% 16.93% 3.88% 4.21% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.20 0.58 1.02 0.90 0.46 0.00 0.00 0.77 0.70 0.72 0.21
Enterprise Value to Revenue (EV/Rev)		 0.71 2.29 2.77 0.00 1.38 0.00 0.00 3.69 3.92 3.76 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 2.08 14.02 7.18 75.86 3.40 0.00 0.00 8.91 25.48 19.74 0.00
Enterprise Value to EBIT (EV/EBIT)		 2.78 31.04 8.24 0.00 3.89 0.00 0.00 9.93 41.19 30.53 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 4.28 11.01 14.48 0.00 5.09 0.00 0.00 13.01 49.88 38.84 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 2.46 4.51 12.42 9.68 5.04 0.00 0.00 17.32 14.86 23.03 3.32
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.25 112.43 32.70 0.00 1.42 0.00 0.00 0.00 4.88 15.49 0.57
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.23 0.26 0.25 0.62 0.18 0.18 0.17 0.97 0.74 0.65 0.30
Long-Term Debt to Equity		 0.23 0.26 0.25 0.62 0.18 0.18 0.17 0.97 0.74 0.65 0.30
Financial Leverage		 0.24 0.25 0.25 0.45 0.39 0.18 0.17 0.57 0.86 0.69 0.48
Leverage Ratio		 8.37 9.36 10.02 9.23 8.29 9.09 10.65 10.66 10.01 9.62 9.74
Compound Leverage Factor		 8.37 38.47 10.02 0.00 8.29 9.09 10.65 10.66 10.01 9.62 9.74
Debt to Total Capital		 18.85% 20.59% 19.83% 38.45% 15.19% 15.00% 14.58% 49.25% 42.57% 39.27% 22.91%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.85% 20.59% 19.83% 38.45% 15.19% 15.00% 14.58% 49.25% 42.57% 39.27% 22.91%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.15% 79.41% 80.17% 61.55% 84.81% 85.00% 85.42% 50.75% 57.43% 60.73% 77.09%
Debt to EBITDA		 1.92 4.96 1.40 32.35 1.13 1.58 0.84 5.71 15.50 10.73 -17.62
Net Debt to EBITDA		 -3.59 -8.05 -1.06 23.13 -0.66 -14.10 -6.76 4.86 12.33 7.68 29.96
Long-Term Debt to EBITDA		 1.92 4.96 1.40 32.35 1.13 1.58 0.84 5.71 15.50 10.73 -17.62
Debt to NOPAT		 3.96 3.90 2.82 0.00 1.69 2.55 1.23 8.34 30.35 21.11 -10.60
Net Debt to NOPAT		 -7.39 -6.32 -2.13 0.00 -0.99 -22.81 -9.85 7.10 24.13 15.11 18.02
Long-Term Debt to NOPAT		 3.96 3.90 2.82 0.00 1.69 2.55 1.23 8.34 30.35 21.11 -10.60
Noncontrolling Interest Sharing Ratio		 0.25% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 2.22 0.73 4.53 -70 57 7.64 16 -104 39 12 71
Operating Cash Flow to CapEx		 3,026.78% 3,019.90% 1,585.52% 1,926.77% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.28 0.39 1.93 0.00 11.87 2.23 7.31 -25.56 2.10 0.54 3.26
Operating Cash Flow to Interest Expense		 6.36 9.66 5.08 0.00 3.34 7.05 7.48 3.34 0.69 0.37 0.56
Operating Cash Flow Less CapEx to Interest Expense		 6.15 9.34 4.76 0.00 3.34 7.05 7.48 3.34 0.69 0.37 0.56
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.05 0.00 0.05 0.04 0.04 0.04 0.03 0.03 0.03
Fixed Asset Turnover		 2.57 2.31 3.35 0.00 3.74 3.35 3.45 3.42 2.31 2.30 1.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 133 140 146 216 176 178 184 306 271 264 189
Invested Capital Turnover		 0.29 0.26 0.38 0.00 0.30 0.32 0.33 0.26 0.17 0.19 0.19
Increase / (Decrease) in Invested Capital		 4.14 6.68 5.71 70 -41 2.84 5.74 122 -35 -7.39 -75
Enterprise Value (EV)		 27 82 148 195 80 -102 -63 235 190 190 40
Market Capitalization		 74 128 170 136 96 137 152 107 98 116 114
Book Value per Share		 $4.81 $4.94 $5.18 $5.89 $6.54 $6.78 $7.09 $7.22 $7.37 $7.63 $7.03
Tangible Book Value per Share		 $3.67 $3.68 $3.93 $4.65 $5.32 $5.54 $5.85 $5.94 $6.07 $6.33 $5.72
Total Capital		 133 140 146 216 176 178 184 306 271 264 189
Total Debt		 25 29 29 83 27 27 27 151 115 103 43
Total Long-Term Debt		 25 29 29 83 27 27 27 151 115 103 43
Net Debt		 -47 -47 -22 59 -16 -239 -215 128 92 74 -74
Capital Expenditures (CapEx)		 0.37 0.60 0.75 1.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.26
Net Nonoperating Obligations (NNO)		 25 29 29 83 27 27 27 151 115 103 43
Total Depreciation and Amortization (D&A)		 3.29 3.19 2.64 2.57 3.02 3.49 3.51 2.72 2.84 3.41 3.38
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.28 $0.33 $0.45 $0.76 $0.70 $0.00 $0.98 $0.84 $0.18 $0.23 ($0.21)
Adjusted Weighted Average Basic Shares Outstanding		 22.45M 22.48M 22.53M 22.59M 22.64M 22.30M 22.21M 21.64M 21.14M 21.06M 20.84M
Adjusted Diluted Earnings per Share		 $0.28 $0.33 $0.45 $0.76 $0.69 $0.00 $0.98 $0.83 $0.18 $0.23 ($0.21)
Adjusted Weighted Average Diluted Shares Outstanding		 22.49M 22.55M 22.62M 22.66M 22.70M 22.30M 22.22M 21.65M 21.14M 21.06M 20.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.70 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 22.51M 22.51M 22.57M 22.62M 22.25M 22.30M 22.13M 21.12M 21.11M 20.98M 20.28M
Normalized Net Operating Profit after Tax (NOPAT)		 6.36 7.40 10 0.00 16 10 21 18 3.80 4.90 -4.08
Normalized NOPAT Margin		 16.48% 20.79% 19.10% 0.00% 27.11% 18.72% 34.88% 28.32% 7.86% 9.69% -9.48%
Pre Tax Income Margin		 25.36% 30.31% 33.57% 0.00% 35.42% 24.02% 46.84% 37.11% 9.52% 12.33% -13.54%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.62 1.41 7.66 0.00 4.32 3.93 12.85 5.83 0.25 0.28 -0.27
NOPAT to Interest Expense		 3.65 3.96 4.36 0.00 3.31 3.06 9.92 4.45 0.21 0.22 -0.19
EBIT Less CapEx to Interest Expense		 5.41 1.09 7.34 0.00 4.32 3.93 12.85 5.83 0.25 0.28 -0.27
NOPAT Less CapEx to Interest Expense		 3.44 3.64 4.04 0.00 3.31 3.06 9.92 4.45 0.21 0.22 -0.19
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.83% 24.30% 20.89% 0.00% 25.88% 42.76% 21.40% 28.32% 133.72% 51.66% -38.47%
Augmented Payout Ratio		 19.83% 24.30% 20.89% 0.00% 32.35% 56.58% 30.29% 65.43% 148.91% 92.45% -101.04%

Quarterly Metrics And Ratios for Riverview Bancorp

This table displays calculated financial ratios and metrics derived from Riverview Bancorp's official financial filings.

Metric Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Q3 2026 Q4 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 21,121,919.00 21,111,043.00 - - - - 20,976,200.00 20,976,200.00 20,948,378.00 20,750,376.00 20,710,901.00
DEI Adjusted Shares Outstanding		 21,121,919.00 21,111,043.00 - - - - 20,976,200.00 20,976,200.00 20,948,378.00 20,750,376.00 20,710,901.00
DEI Earnings Per Adjusted Shares Outstanding		 0.12 0.07 - - - - 0.05 0.06 0.05 0.07 -0.39
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -19.96% -25.70% -38.82% -10.67% -3.58% 2.82% 42.60% 8.85% 6.56% 10.37% -83.36%
EBITDA Growth		 -47.47% -66.34% -158.67% -53.30% -27.69% -1.28% 172.70% 17.70% -19.61% 5.53% -460.51%
EBIT Growth		 -53.13% -73.16% -184.03% -66.75% -37.46% -13.89% 135.98% 26.91% -29.62% 10.48% -740.29%
NOPAT Growth		 -52.41% -72.29% -195.34% -66.02% -37.01% -15.15% 140.36% 26.81% -29.42% 11.77% -741.22%
Net Income Growth		 -52.41% -72.29% -199.50% -66.02% -37.01% -15.15% 138.68% 26.81% -29.42% 11.77% -800.52%
EPS Growth		 -50.00% -70.83% -200.00% -61.54% -41.67% -14.29% 135.71% 20.00% -28.57% 16.67% -880.00%
Operating Cash Flow Growth		 -70.75% 62.57% -455.19% -40.07% -48.03% -78.09% 98.23% -112.82% 2,093.06% -122.91% -2,425.18%
Free Cash Flow Firm Growth		 -922.48% -712.10% 127.07% 116.25% 123.06% 157.13% -73.46% -72.00% 43.67% -74.34% 687.31%
Invested Capital Growth		 85.11% 62.18% -11.45% -6.51% -9.94% -21.30% -2.73% -1.63% -16.25% -6.55% -28.31%
Revenue Q/Q Growth		 -2.83% -6.62% -26.93% 34.73% 4.88% -0.42% 1.34% 2.85% 2.67% 3.14% -84.72%
EBITDA Q/Q Growth		 -10.21% -35.71% -230.49% 162.00% 39.02% -12.23% -3.90% 0.38% -5.05% 15.22% -428.30%
EBIT Q/Q Growth		 -13.56% -42.28% -322.14% 130.00% 62.59% -20.53% -7.17% 5.81% -9.83% 24.73% -637.99%
NOPAT Q/Q Growth		 -13.05% -41.26% -295.87% 133.97% 61.18% -20.87% -6.82% 6.71% -10.29% 25.30% -634.58%
Net Income Q/Q Growth		 -13.05% -41.26% -304.41% 132.55% 61.18% -20.87% -6.82% 6.71% -10.29% 25.30% -684.02%
EPS Q/Q Growth		 -7.69% -41.67% -300.00% 135.71% 40.00% -14.29% -16.67% 20.00% -16.67% 40.00% -657.14%
Operating Cash Flow Q/Q Growth		 -83.79% 585.78% -178.04% 169.10% -85.95% 189.14% -106.29% -401.44% 2,503.87% -103.02% -593.68%
Free Cash Flow Firm Q/Q Growth		 -9.55% 10.83% 124.77% -32.85% 55.46% 120.93% -88.49% -29.16% 697.70% -60.54% 253.06%
Invested Capital Q/Q Growth		 1.60% 6.32% -20.91% 9.43% -2.13% -7.10% -2.24% 10.67% -16.68% 3.66% -25.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.25% 20.14% -35.96% 16.55% 21.94% 19.33% 18.33% 17.89% 16.55% 18.49% -397.11%
EBIT Margin		 23.90% 14.77% -44.91% 10.00% 15.51% 12.37% 11.33% 11.66% 10.24% 12.39% -436.00%
Profit (Net Income) Margin		 18.65% 11.73% -32.81% 7.93% 12.18% 9.68% 8.90% 9.23% 8.07% 9.80% -374.57%
Tax Burden Percent		 78.01% 79.39% 73.05% 79.25% 78.56% 78.22% 78.52% 79.19% 78.78% 79.14% 76.47%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 112.34%
Effective Tax Rate		 21.99% 20.61% 0.00% 20.75% 21.44% 21.78% 21.48% 20.81% 21.22% 20.86% 0.00%
Return on Invested Capital (ROIC)		 4.39% 2.29% -5.27% 1.21% 1.85% 1.48% 1.69% 1.62% 1.59% 2.02% -65.30%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.39% 2.29% -5.36% 1.21% 1.85% 1.48% 1.69% 1.62% 1.59% 2.02% -66.23%
Return on Net Nonoperating Assets (RNNOA)		 2.89% 1.79% -4.59% 1.19% 1.77% 1.38% 1.17% 1.38% 1.02% 1.25% -31.80%
Return on Equity (ROE)		 7.27% 4.08% -9.86% 2.40% 3.61% 2.86% 2.85% 3.00% 2.61% 3.27% -97.10%
Cash Return on Invested Capital (CROIC)		 -54.24% -43.91% 13.46% 7.35% 10.79% 24.10% 4.60% 3.40% 19.46% 8.64% 31.17%
Operating Return on Assets (OROA)		 0.85% 0.50% -1.40% 0.30% 0.46% 0.37% 0.38% 0.39% 0.35% 0.44% -12.62%
Return on Assets (ROA)		 0.67% 0.40% -1.02% 0.24% 0.36% 0.29% 0.30% 0.31% 0.28% 0.35% -10.84%
Return on Common Equity (ROCE)		 7.27% 4.08% -9.86% 2.40% 3.61% 2.86% 2.85% 3.00% 2.61% 3.27% -97.10%
Return on Equity Simple (ROE_SIMPLE)		 8.90% 6.15% 0.00% 1.23% 0.63% 0.50% 0.00% 3.19% 2.88% 2.95% 0.00%
Net Operating Profit after Tax (NOPAT)		 2.47 1.45 -2.84 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -7.36
NOPAT Margin		 18.65% 11.73% -31.44% 7.93% 12.18% 9.68% 8.90% 9.23% 8.07% 9.80% -342.86%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.09% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.93%
SG&A Expenses to Revenue		 64.56% 70.95% 101.47% 76.77% 74.00% 73.86% 74.93% 76.08% 75.43% 73.86% 460.50%
Operating Expenses to Revenue		 76.10% 85.23% 144.91% 90.00% 83.71% 87.63% 88.67% 88.34% 89.76% 86.90% 536.00%
Earnings before Interest and Taxes (EBIT)		 3.17 1.83 -4.06 1.22 1.98 1.58 1.46 1.55 1.40 1.74 -9.36
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.88 2.49 -3.25 2.02 2.80 2.46 2.37 2.37 2.25 2.60 -8.53
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.74 0.82 0.63 0.54 0.62 0.76 0.73 0.71 0.69 0.63 0.78
Price to Tangible Book Value (P/TBV)		 0.90 0.99 0.76 0.65 0.74 0.92 0.88 0.85 0.82 0.75 0.96
Price to Revenue (P/Rev)		 1.93 2.41 2.02 1.79 2.13 2.58 2.30 2.22 2.13 1.92 2.63
Price to Earnings (P/E)		 8.31 13.37 25.75 43.59 98.25 153.13 23.73 22.27 23.82 21.32 0.00
Dividend Yield		 4.51% 3.89% 5.18% 6.05% 4.26% 2.80% 2.16% 1.46% 1.50% 1.61% 1.46%
Earnings Yield		 12.03% 7.48% 3.88% 2.29% 1.02% 0.65% 4.21% 4.49% 4.20% 4.69% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.81 0.70 0.66 0.68 0.77 0.72 0.72 0.65 0.64 0.21
Enterprise Value to Revenue (EV/Rev)		 4.31 5.12 3.92 4.19 4.25 4.42 3.76 4.07 3.02 3.02 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 11.90 17.05 25.48 38.27 47.42 50.00 19.74 20.82 16.79 16.76 0.00
Enterprise Value to EBIT (EV/EBIT)		 13.62 20.51 41.19 91.23 184.94 253.92 30.53 31.56 26.54 26.01 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 18.60 28.40 49.88 102.24 195.96 262.30 38.84 40.76 33.74 33.49 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.43 14.42 14.86 21.55 23.45 380.87 23.03 98.46 8.75 10.54 3.32
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 4.88 8.71 5.97 2.80 15.49 21.07 3.06 7.21 0.57
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.12 1.16 0.74 0.90 0.80 0.70 0.65 0.80 0.49 0.53 0.30
Long-Term Debt to Equity		 1.12 1.16 0.74 0.90 0.80 0.70 0.65 0.80 0.49 0.53 0.30
Financial Leverage		 0.66 0.78 0.86 0.98 0.96 0.93 0.69 0.85 0.64 0.62 0.48
Leverage Ratio		 10.92 10.27 10.01 10.07 10.01 9.78 9.62 9.61 9.43 9.37 9.74
Compound Leverage Factor		 10.92 10.27 10.01 10.07 10.01 9.78 9.62 9.61 9.43 9.37 10.94
Debt to Total Capital		 52.81% 53.73% 42.57% 47.41% 44.58% 41.28% 39.27% 44.45% 32.69% 34.80% 22.91%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 52.81% 53.73% 42.57% 47.41% 44.58% 41.28% 39.27% 44.45% 32.69% 34.80% 22.91%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 47.19% 46.27% 57.43% 52.59% 55.42% 58.72% 60.73% 55.55% 67.31% 65.20% 77.09%
Debt to EBITDA		 8.04 11.34 15.50 27.37 31.09 26.95 10.73 12.83 8.40 9.05 -17.62
Net Debt to EBITDA		 6.58 9.02 12.33 21.95 23.65 20.81 7.68 9.45 4.93 6.09 29.96
Long-Term Debt to EBITDA		 8.04 11.34 15.50 27.37 31.09 26.95 10.73 12.83 8.40 9.05 -17.62
Debt to NOPAT		 12.57 18.88 30.35 73.12 128.45 141.38 21.11 25.11 16.89 18.08 -10.60
Net Debt to NOPAT		 10.29 15.02 24.13 58.65 97.71 109.18 15.11 18.49 9.91 12.17 18.02
Long-Term Debt to NOPAT		 12.57 18.88 30.35 73.12 128.45 141.38 21.11 25.11 16.89 18.08 -10.60
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -146 -130 32 22 34 74 8.54 6.05 48 19 67
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -34.81 -26.25 5.61 3.87 5.60 12.93 1.61 1.09 8.63 3.51 13.15
Operating Cash Flow to Interest Expense		 0.35 2.04 -1.37 0.97 0.13 0.38 -0.03 -0.13 3.00 -0.09 -0.69
Operating Cash Flow Less CapEx to Interest Expense		 0.35 2.04 -1.37 0.97 0.13 0.38 -0.03 -0.13 3.00 -0.09 -0.69
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.04 0.03
Fixed Asset Turnover		 2.90 2.54 2.31 2.18 2.03 2.08 2.30 2.39 2.35 2.44 1.99
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 322 343 271 296 290 270 264 292 243 252 189
Invested Capital Turnover		 0.24 0.20 0.17 0.15 0.15 0.15 0.19 0.18 0.20 0.21 0.19
Increase / (Decrease) in Invested Capital		 148 131 -35 -21 -32 -73 -7.39 -4.82 -47 -18 -75
Enterprise Value (EV)		 252 277 190 197 197 206 190 210 159 162 40
Market Capitalization		 113 130 98 84 99 121 116 115 112 103 114
Book Value per Share		 $7.20 $7.51 $7.37 $7.39 $7.62 $7.51 $7.63 $7.72 $7.81 $7.91 $7.03
Tangible Book Value per Share		 $5.90 $6.21 $6.07 $6.09 $6.33 $6.22 $6.33 $6.43 $6.51 $6.60 $5.72
Total Capital		 322 343 271 296 290 270 264 292 243 252 189
Total Debt		 170 184 115 141 129 111 103 130 79 88 43
Total Long-Term Debt		 170 184 115 141 129 111 103 130 79 88 43
Net Debt		 139 146 92 113 98 86 74 95 47 59 -74
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.12 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.68
Net Nonoperating Obligations (NNO)		 170 184 115 141 129 111 103 130 79 88 43
Total Depreciation and Amortization (D&A)		 0.71 0.66 0.81 0.80 0.82 0.89 0.90 0.83 0.86 0.86 0.84
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.12 $0.07 ($0.14) $0.05 $0.07 $0.06 $0.05 $0.06 $0.05 $0.07 ($0.39)
Adjusted Weighted Average Basic Shares Outstanding		 21.19M 21.11M 21.14M 21.11M 21.10M 21.04M 21.06M 20.98M 20.95M 20.76M 20.84M
Adjusted Diluted Earnings per Share		 $0.12 $0.07 ($0.14) $0.05 $0.07 $0.06 $0.05 $0.06 $0.05 $0.07 ($0.39)
Adjusted Weighted Average Diluted Shares Outstanding		 21.19M 21.11M 21.14M 21.11M 21.10M 21.04M 21.06M 20.98M 20.95M 20.76M 20.84M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 21.11M 21.11M 21.11M 21.10M 21.07M 20.98M 20.98M 20.95M 20.75M 20.71M 20.28M
Normalized Net Operating Profit after Tax (NOPAT)		 2.47 1.45 -2.84 0.97 1.56 1.23 1.15 1.23 1.10 1.38 -7.36
Normalized NOPAT Margin		 18.65% 11.73% -31.44% 7.93% 12.18% 9.68% 8.90% 9.23% 8.07% 9.80% -342.86%
Pre Tax Income Margin		 23.90% 14.77% -44.91% 10.00% 15.51% 12.37% 11.33% 11.66% 10.24% 12.39% -489.80%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.76 0.37 -0.71 0.22 0.33 0.27 0.28 0.28 0.25 0.32 -1.83
NOPAT to Interest Expense		 0.59 0.29 -0.50 0.17 0.26 0.21 0.22 0.22 0.20 0.25 -1.44
EBIT Less CapEx to Interest Expense		 0.76 0.37 -0.71 0.22 0.33 0.27 0.28 0.28 0.25 0.32 -1.83
NOPAT Less CapEx to Interest Expense		 0.59 0.29 -0.50 0.17 0.26 0.21 0.22 0.22 0.20 0.25 -1.44
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 37.82% 52.35% 133.72% 264.05% 419.96% 429.10% 51.66% 32.66% 35.78% 34.61% -38.47%
Augmented Payout Ratio		 56.28% 77.15% 148.91% 264.05% 419.96% 568.36% 92.45% 32.66% 95.54% 94.89% -101.04%

Financials Breakdown Chart

Key Financial Trends

Riverview Bancorp’s latest results show a company that is still navigating a fairly volatile operating environment. The most recent quarter, Q4 2026, swung back to a sizable loss of $8.0 million after posting a profit in the prior quarter. Revenue also weakened sharply, with the bank generating just $2.1 million in total revenue for the quarter, reflecting a period where non-interest income was deeply negative and non-interest expenses remained elevated.

On the positive side, net interest income improved modestly year over year and remained above $10 million in Q4 2026, helped by lower interest expense versus recent quarters. The bank also produced a strong inflow from investing activities, driven by sales and maturities of securities, and deposits increased during the quarter, which helped support liquidity. In addition, Riverview continued to report a relatively stable common equity base of about $164 million at quarter-end.

That said, the big concern is profitability. The company has now shown a pattern of earnings volatility over the last several quarters, including a loss in Q4 2025, a return to profit in Q1 and Q2 2026, and then another steep loss in Q4 2026. The latest quarter was also hurt by a large negative contribution from non-interest income, while salary and occupancy costs stayed high relative to revenue. Cash flow from operations was negative in Q4 2026, which suggests earnings are not consistently translating into operating cash.

Key takeaways for investors:

  • Net interest income held up reasonably well at $10.2 million in Q4 2026, indicating the core lending/deposit spread business is still contributing.
  • Deposits increased by $20.7 million in Q4 2026, which supports funding stability.
  • The investment portfolio produced significant cash from sales and maturities, boosting liquidity in the quarter.
  • Common equity remained fairly steady at about $164.2 million as of Q3 2026 balance sheet data.
  • The bank continued paying a modest dividend, which may appeal to income-focused investors, but the payout remains small.
  • Loan-loss provisioning was present in Q4 2026, but not extreme, suggesting credit costs were manageable compared with the revenue swing.
  • Q4 2026 net income fell to a $8.0 million loss, reversing the prior quarter’s profit.
  • Total revenue was weak at just $2.1 million in Q4 2026, largely because non-interest income was negative.
  • Operating cash flow was negative in Q4 2026, a sign that earnings quality was under pressure.
  • The company’s quarterly results remain highly inconsistent, with profits and losses swinging sharply from quarter to quarter.

Overall, Riverview Bancorp looks like a mixed story: the balance sheet appears relatively stable, and core net interest income is still generating meaningful earnings power, but the company’s inconsistent profitability and weak operating cash flow are major red flags. For retail investors, RVSB currently looks better suited to those willing to tolerate volatility and wait for clearer evidence of sustained earnings improvement.

07/30/26 04:09 PM ETAI Generated. May Contain Errors.

Riverview Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Riverview Bancorp's financial year ends in March. Their financial year 2026 ended on March 31, 2026.

Riverview Bancorp's net income appears to be on a downward trend, with a most recent value of -$4.34 million in 2026, falling from $6.36 million in 2016. The previous period was $4.90 million in 2025. See Riverview Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Riverview Bancorp's total revenue changed from $38.58 million in 2016 to $43.08 million in 2026, a change of 11.7%.

Riverview Bancorp's total liabilities were at $1.32 billion at the end of 2026, a 2.6% decrease from 2025, and a 62.1% increase since 2016.

In the past 10 years, Riverview Bancorp's cash and equivalents has ranged from $22.04 million in 2023 to $265.41 million in 2021, and is currently $116.87 million as of their latest financial filing in 2026.

Over the last 10 years, Riverview Bancorp's book value per share changed from 4.81 in 2016 to 7.03 in 2026, a change of 46.2%.


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Financial statements for NASDAQ:RVSB last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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