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Riverview Bancorp Inc

RVSB Nasdaq Savings Institution, Federally Chartered Financials FY2017–FY2026

Revenue Total sales reported in the income statement.
$43.1M
14.9% vs prior year
Efficiency ratio Noninterest expense as a share of revenue. Lower is better for banks.
110.6%
23.2 pts
Net income Profit after all expenses, interest and tax.
−$4.3M
188.5%
Return on equity Net income as a share of average shareholders' equity.
−2.8%
5.9 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On −$0.19 EPS (TTM)

What Riverview Bancorp Inc does

No business description yet.

Legal name
RIVERVIEW BANCORP INC
Fiscal year ends
March 31, 2026
Latest annual report
10-K · Jun 12, 2026
Accession · CIK
0001041368-26-000007
0001041368

Revenue and margins

Riverview Bancorp Inc had $43.1M of revenue in fiscal 2026, down 14.9% on the year before.

Revenue
Revenue
Net interest income share and efficiency ratio
Net interest share Efficiency ratio
Net interest income share and efficiency ratio
Net interest share Efficiency ratio

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

Return on equity, return on tangible equity and efficiency ratio
ROE ROTE Efficiency ratio

Dividends, buybacks and share count

Riverview Bancorp Inc returned $4.4M to shareholders in fiscal 2026, 39% of free cash flow. The diluted share count fell 1.1%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits
Loans Deposits
Fiscal year endFY22FY23FY24FY25FY26
Loans, net $976M$994M$1.0B$1.0B$1.1B
Deposits $1.5B$1.3B$1.2B$1.2B$1.3B
Loans / deposits 63.6%78.5%81.9%85.0%85.9%
Total assets $1.7B$1.6B$1.5B$1.5B$1.5B
Shareholders' equity $157M$155M$156M$160M$146M
Goodwill $27.1M$27.1M$27.1M$27.1M$27.1M
Intangible assets $0.5M$0.4M$0.3M$0.2M$0.1M
Provision / loans −0.5%0.1%—0.0%0.1%

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

10 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY17FY18FY19FY20FY21FY22FY23FY24FY25FY26
Income statement
Revenue $43.8M $53.6M $58.2M $58.1M $56.0M $60.4M $63.8M $48.3M $50.6M $43.1M
Net interest income $33.8M $43.0M $47.1M $45.7M $44.9M $47.6M $51.6M $38.1M $36.3M $40.3M
Noninterest income $10.0M $10.7M $11.1M $12.4M $11.1M $12.7M $12.2M $10.2M $14.3M $2.7M
Noninterest expense $33.0M $35.6M $35.7M $36.3M $36.3M $36.7M $39.4M $43.7M $44.3M $47.7M
Provision for credit losses $0.0M $0.0M $0.1M $1.3M $6.3M −$4.6M $0.8M — $0.1M $1.3M
Interest expense $1.9M $2.3M $2.8M $4.8M $3.4M $2.2M $4.1M $18.5M — —
Pretax income $10.8M $18.0M $22.4M $20.6M $13.5M $28.3M $23.7M $4.6M $6.2M −$5.8M
Income tax $3.4M $7.8M $5.1M $4.8M $3.0M $6.5M $5.6M $0.8M $1.3M −$1.5M
Net income $7.4M $10.2M $17.3M $15.7M $10.5M $21.8M $18.1M $3.8M $4.9M −$4.3M
Diluted EPS $0.33 $0.45 $0.76 $0.69 $0.47 $0.98 $0.83 $0.18 $0.23 −$0.21
Diluted shares 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B 0.02B
Cash flow
Cash from operations $18.1M $11.9M $20.2M $15.9M $24.2M $16.5M $13.6M $12.8M $8.3M $12.0M
Capital expenditure $0.6M $0.8M $1.0M $3.0M $3.6M $3.3M $5.0M $5.6M $2.7M $0.8M
Free cash flow $17.5M $11.2M $19.1M $13.0M $20.6M $13.2M $8.6M $7.1M $5.6M $11.3M
Depreciation and amortization $2.7M $2.9M $2.7M $3.0M $3.2M $3.5M $2.7M $2.8M $3.3M $3.4M
Stock-based compensation — $0.1M $0.0M $0.3M $0.4M $0.3M $0.4M $0.0M $0.4M $0.4M
Share buybacks — — — $1.0M $1.4M $1.9M $6.7M $0.6M $2.0M $2.7M
Dividends paid $1.8M $2.1M $3.2M $4.1M $4.5M $4.7M $5.1M $5.1M $2.5M $1.7M
Dividends and buybacks $1.8M $2.1M $3.2M $5.1M $5.9M $6.6M $11.8M $5.7M $4.5M $4.4M
Balance sheet
Cash and short-term investments $64.6M $44.8M $23.0M $42.0M $265M $241M $22.0M $23.6M $29.4M $117M
Finance lease liabilities — — $2.4M $2.4M $2.3M $2.3M $2.2M $2.2M $2.1M $2.0M
Loans, net $769M $801M $865M $899M $924M $976M $994M $1.0B $1.0B $1.1B
Deposits $980M $996M $925M $990M $1.3B $1.5B $1.3B $1.2B $1.2B $1.3B
Property and equipment, net $16.2M $15.8M $15.5M $15.6M $17.8M $17.2M $20.1M $21.7M $22.3M $20.9M
Goodwill $27.1M $27.1M $27.1M $27.1M $27.1M $27.1M $27.1M $27.1M $27.1M $27.1M
Intangible assets $1.3M $1.1M $0.9M $0.8M $0.6M $0.5M $0.4M $0.3M $0.2M $0.1M
Total assets $1.1B $1.2B $1.2B $1.2B $1.5B $1.7B $1.6B $1.5B $1.5B $1.5B
Total liabilities $1.0B $1.0B $1.0B $1.0B $1.4B $1.6B $1.4B $1.4B $1.4B $1.3B
Shareholders' equity $111M $117M $133M $149M $152M $157M $155M $156M $160M $146M
Margins
Net margin 16.9% 19.1% 29.7% 27.1% 18.7% 36.1% 28.3% 7.9% 9.7% −10.1%
FCF margin 39.9% 20.9% 32.9% 22.3% 36.8% 21.9% 13.5% 14.8% 11.0% 26.1%
Net interest share of revenue 77.1% 80.1% 80.9% 78.7% 80.2% 78.9% 80.9% 78.8% 71.8% 93.6%
Efficiency ratio 75.3% 66.4% 61.4% 62.4% 64.7% 60.8% 61.7% 90.5% 87.5% 110.6%
Returns
Return on equity 6.7% 9.0% 13.8% 11.2% 7.0% 14.1% 11.6% 2.4% 3.1% −2.8%
Return on assets 0.7% 0.9% 1.5% 1.3% 0.8% 1.3% 1.1% 0.2% 0.3% −0.3%
Return on tangible equity 8.9% 11.5% 16.4% 13.0% 8.5% 16.8% 14.1% 3.0% 3.7% −3.7%
Growth
Revenue growth — 22.5% 8.5% −0.1% −3.6% 7.8% 5.7% −24.3% 4.7% −14.9%
Net income growth — 38.3% 68.6% −8.8% −33.5% 108.4% −17.2% −79.0% 29.1% −188.5%
EPS growth — 36.4% 68.9% −9.2% −31.9% 108.5% −15.3% −78.3% 27.8% −191.3%
FCF growth — −35.9% 70.8% −32.2% 59.0% −35.9% −34.8% −17.1% −22.2% 102.5%
Share count change — 0.3% 0.2% 0.4% −1.9% −0.4% −2.6% −2.3% −0.4% −1.1%
Financial health
Loans / deposits 78.5% 80.4% 93.5% 90.8% 68.6% 63.6% 78.5% 81.9% 85.0% 85.9%
Provision / loans 0.0% 0.0% 0.0% 0.1% 0.7% −0.5% 0.1% — 0.0% 0.1%
Capital allocation
Capex / revenue 1.4% 1.4% 1.8% 5.1% 6.3% 5.4% 7.8% 11.6% 5.4% 1.8%
Stock comp / revenue — 0.2% 0.1% 0.6% 0.7% 0.5% 0.6% 0.1% 0.8% 1.0%
Payouts / FCF 10.3% 19.1% 16.6% 39.3% 28.7% 50.0% 137.3% 79.2% 81.6% 39.0%
Quality scores
Accruals ratio −0.9% −0.1% −0.3% −0.0% −1.0% 0.3% 0.3% −0.6% −0.2% −1.1%

Source: SEC EDGAR XBRL filings (CIK 0001041368). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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