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 Financials

RVSB

Source SEC Filings (10-K/10-Q) Updated Jun 12, 2026 Currency USD FYE June

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).

Rhea AI RVSB FY2025 2026-06-12

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 from 1.1% to 0.3%, 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 $160.0M, so the balance sheet has slightly more shock absorption than a year ago even without asset growth. But liabilities still dominate the funding mix, which makes profitability more sensitive to changes in funding cost than the revenue line alone suggests.

Operating cash flow stayed above net income at $8.3M versus $4.9M, so earnings quality looks better than the profit line alone implies. Yet capital returns were reset lower, with dividends cut to $2.5M while buybacks still used $2.0M, a sign that cash preservation mattered more than distribution growth.

Financial Health Signals

Financial Profile 20/100

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.

Growth

Riverview Bancorp Inc's revenue declined 89.4% year-over-year, from $59.0M to $6.3M. This contraction results in a growth score of 0/100.

Cash Flow

100

Riverview Bancorp Inc converts 179.4% of revenue into free cash flow ($11.3M). This strong cash generation earns a score of 100/100.

Earnings Quality Mixed

-2.77x

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

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Earnings & Revenue

Revenue

$6.3M

YoY-89.4%

5Y CAGR-33.5%

10Y CAGR-14.8%

Riverview Bancorp Inc generated $6.3M in revenue in fiscal year 2026. This represents a decrease of 89.4% from the prior year.

EBITDA

N/A

Net Income

-$4.3M

YoY-188.5%

Riverview Bancorp Inc reported -$4.3M in net income in fiscal year 2026. This represents a decrease of 188.5% from the prior year.

EPS (Diluted)

$-0.21

YoY-191.3%

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

Free Cash Flow

$11.3M

YoY+102.5%

5Y CAGR-11.4%

10Y CAGR+0.5%

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.

Cash & Debt

N/A

Dividends Per Share

$0.24

YoY+200.0%

5Y CAGR+3.7%

10Y CAGR+14.0%

Riverview Bancorp Inc paid $0.24 per share in dividends in fiscal year 2026. This represents an increase of 200.0% from the prior year.

Shares Outstanding

20M

YoY-3.3%

5Y CAGR-1.9%

10Y CAGR-1.0%

Riverview Bancorp Inc had 20M shares outstanding in fiscal year 2026. This represents a decrease of 3.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

-69.2%

YoY-77.5pp

5Y CAGR-90.9pp

10Y CAGR-89.8pp

Riverview Bancorp Inc's net profit margin was -69.2% in fiscal year 2026, showing the share of revenue converted to profit. This is down 77.5 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

$2.7M

YoY+35.8%

5Y CAGR+13.4%

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.

Capital Expenditures

$789K

YoY-70.9%

5Y CAGR-26.0%

10Y CAGR+8.0%

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	FY26	FY25	FY24	FY23	FY22	FY21
Revenue	$6.3M-89.4%	$59.0M+4.3%	$56.6M+1.6%	$55.7M+11.7%	$49.8M+3.1%	$48.3M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$28.8M+10.4%	$26.1M+7.8%	$24.2M+0.9%	$24.0M+1.5%	$23.6M+4.7%	$22.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$21.7M-4.2%	$22.6M+22.5%	$18.5M+354.9%	$4.1M+84.5%	$2.2M-35.8%	$3.4M
Income Tax	-$1.5M-211.8%	$1.3M+66.5%	$802K-85.7%	$5.6M-13.1%	$6.5M+116.6%	$3.0M
Net Income	-$4.3M-188.5%	$4.9M+29.1%	$3.8M-79.0%	$18.1M-17.2%	$21.8M+108.4%	$10.5M
EPS (Diluted)	$-0.21-191.3%	$0.23+27.8%	$0.18-78.3%	$0.83-15.3%	$0.98+108.5%	$0.47

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$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+0.8%	$14.3M
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	$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-51.3%	$13.1M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$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-2.8%	$5.7M
Income Tax	$363K+22.6%	$296K-8.1%	$322K+2.5%	$314K-8.5%	$343K-19.3%	$425K+68.0%	$253K+123.1%	-$1.1M
Net Income	$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+132.5%	-$3.0M
EPS (Diluted)	$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+135.7%	$-0.14

RVSB Balance Sheet

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Total Assets	N/A	$1.5B-0.5%	$1.5B-4.3%	$1.6B-8.6%	$1.7B+12.3%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	N/A	$29.4M+24.4%	$23.6M+7.2%	$22.0M-90.9%	$241.4M-9.0%	$265.4M
Inventory	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
Goodwill	N/A	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M0.0%	$27.1M
Total Liabilities	N/A	$1.4B-0.9%	$1.4B-4.8%	$1.4B-9.4%	$1.6B+13.3%	$1.4B
Current Liabilities	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
Total Equity	N/A	$160.0M+2.8%	$155.6M+0.2%	$155.2M-1.3%	$157.2M+3.7%	$151.6M
Retained Earnings	N/A	$119.7M+2.8%	$116.5M-1.1%	$117.8M+12.3%	$104.9M+19.4%	$87.9M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$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+1.1%	$1.5B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$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+17.6%	$23.6M
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+0.2%	$1.3B-0.6%	$1.4B+0.1%	$1.4B+0.2%	$1.4B-2.7%	$1.4B+0.4%	$1.4B+1.2%	$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	$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+0.2%	$155.6M
Retained Earnings	$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+0.5%	$116.5M

RVSB Cash Flow Statement

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Operating Cash Flow	$12.0M+45.6%	$8.3M-35.2%	$12.8M-6.0%	$13.6M-17.5%	$16.5M-31.9%	$24.2M
Capital Expenditures	$789K-70.9%	$2.7M-51.7%	$5.6M+13.1%	$5.0M+52.6%	$3.3M-8.4%	$3.6M
Free Cash Flow	$11.3M+102.5%	$5.6M-22.2%	$7.1M-17.1%	$8.6M-34.8%	$13.2M-35.9%	$20.6M
Investing Cash Flow	$118.3M+787.9%	$13.3M-79.0%	$63.6M+183.4%	-$76.2M+65.6%	-$221.7M-47.5%	-$150.2M
Financing Cash Flow	-$42.9M-171.2%	-$15.8M+78.8%	-$74.7M+52.3%	-$156.7M-186.5%	$181.2M-48.2%	$349.5M
Dividends Paid	$1.7M-34.1%	$2.5M-50.1%	$5.1M-0.7%	$5.1M+9.6%	$4.7M+4.3%	$4.5M
Share Buybacks	$2.7M+35.8%	$2.0M+246.6%	$577K-91.4%	$6.7M+245.7%	$1.9M+34.1%	$1.4M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	-$506K-103.0%	$16.8M+2503.9%	-$697K-401.4%	-$139K-106.3%	$2.2M+189.1%	$764K-85.9%	$5.4M+169.1%	-$7.9M
Capital Expenditures	$230K-41.5%	$393K+417.1%	$76K-17.4%	$92K-69.7%	$304K-86.2%	$2.2M+1906.4%	$110K-93.9%	$1.8M
Free Cash Flow	-$736K-104.5%	$16.4M+2216.7%	-$773K-234.6%	-$231K-112.1%	$1.9M+232.0%	-$1.4M-127.1%	$5.3M+155.1%	-$9.7M
Investing Cash Flow	-$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-125.8%	$50.9M
Financing Cash Flow	$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+120.9%	-$57.0M
Dividends Paid	$418K0.0%	$418K-0.5%	$420K-0.5%	$422K-0.2%	$423K+0.5%	$421K-66.8%	$1.3M+0.1%	$1.3M
Share Buybacks	$1.2M	N/A	N/A	$904K	N/A	N/A	N/A	$0

RVSB Financial Ratios

Metric	FY26	FY25	FY24	FY23	FY22	FY21
Gross Margin	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
Net Margin	-69.2%-77.5pp	8.3%+1.6pp	6.7%-25.7pp	32.5%-11.3pp	43.8%+22.1pp	21.7%
Return on Equity	N/A	3.1%+0.6pp	2.4%-9.2pp	11.6%-2.2pp	13.9%+7.0pp	6.9%
Return on Assets	N/A	0.3%+0.1pp	0.3%-0.9pp	1.1%-0.1pp	1.3%+0.6pp	0.7%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	N/A	8.46-0.3	8.78-0.5	9.24-0.8	10.07+0.8	9.22
FCF Margin	179.4%+170.0pp	9.4%-3.2pp	12.6%-2.8pp	15.5%-11.0pp	26.5%-16.1pp	42.6%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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	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%+27.5pp	-20.8%
Return on Equity	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%+2.5pp	-1.9%
Return on Assets	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%+0.3pp	-0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	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+0.1	8.78
FCF Margin	-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%+104.6pp	-67.6%

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Frequently Asked Questions

What is Riverview Bancorp Inc's annual revenue?

Riverview Bancorp Inc (RVSB) reported $6.3M in total revenue for fiscal year 2026. This represents a -89.4% 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 89.4% year-over-year, from $59.0M to $6.3M 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 -69.2%.

What is Riverview Bancorp Inc's net profit margin?

Riverview Bancorp Inc (RVSB) had a net profit margin of -69.2% 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 $0.24 per share in dividends during fiscal year 2026.

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 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.

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 20 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.