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Riverview Bancorp Inc

RVSB Nasdaq Savings Institution, Federally Chartered Financials FY2017–FY2026

Riverview Bancorp Inc had $43.1M of revenue in fiscal 2026, down 14.9% on the year before. Over five years, revenue changed βˆ’5.1% a year on average.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$6.07

0.4%

What Riverview Bancorp Inc does

RVSB Β· Savings Institution, Federally Chartered

From its latest annual report

No business description yet.

Filing details

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

KIRA’s summary AI analyst

Hi! I read Riverview Bancorp Inc’s latest annual report (fiscal 2026). Here is what stands out:

3 to watch

1.Sales and profit

See section β†’
  • Riverview Bancorp Inc had $43.1M of revenue in fiscal 2026, down 14.9% on the year before. Over five years, revenue changed βˆ’5.1% a year on average.
  • Riverview Bancorp Inc lost $4.3M in fiscal 2026.

2.Cash and shareholders

See section β†’
  • Riverview Bancorp Inc returned $4.4M to shareholders in fiscal 2026, 39% of free cash flow. The diluted share count fell 1.1%.
  • No open-market insider trades in the last 12 months.

Riverview Bancorp Inc in 30 seconds

Good So-so Weak

Weak

Are sales growing?

βˆ’14.9%

No. Sales fell 14.9% last year.

Weak

Does it make a profit?

βˆ’10.1%

No. It lost money last year.

Weak

How lean are its costs?

110.6%

Costly. Running costs take 110.6% of revenue.

Weak

How much does it earn on its capital?

βˆ’2.8%

Low. It earns βˆ’2.8% a year on shareholders’ money.

For information

How is the share priced?

β€”

No P/E: it made no profit over the last four quarters.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2026

Market cap Last close times the latest diluted share count, so it is approximate.
$124M
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
β€”
On βˆ’$0.19 EPS (TTM)

Revenue

Total sales reported in the income statement.

KIRA Β· Riverview Bancorp Inc had $43.1M of revenue in fiscal 2026, down 14.9% on the year before. Over five years, revenue changed βˆ’5.1% a year on average.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned βˆ’2.8% on shareholders’ money. Running costs took 110.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Riverview Bancorp Inc lost $4.3M in fiscal 2026.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned βˆ’2.8% on shareholders’ money. Running costs took 110.6% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Riverview Bancorp Inc did it, and the next one. Share prices often move a lot on those days.

Next results

October 27, 2026

Tuesday Β· tomorrow

Time
Time not announced
Covers
Period ended Sep 30, 2026
Expected EPS
$0.07
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 28, 2026 Q1 '27 Time not announced 8-K β†—
Apr 28, 2026 Q4 '26 Time not announced 8-K β†—
Jan 27, 2026 Q3 '26 Time not announced 8-K β†—
Oct 28, 2025 Q2 '26 Time not announced 8-K β†—
Jul 29, 2025 Q1 '26 Time not announced 8-K β†—
Apr 29, 2025 Q4 '25 Time not announced 8-K β†—
Jan 30, 2025 Q3 '25 Time not announced 8-K β†—
Oct 24, 2024 Q2 '25 Time not announced 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· Riverview Bancorp Inc had $43.1M of revenue in fiscal 2026, down 14.9% on the year before. Over five years, revenue changed βˆ’5.1% a year on average.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

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

KIRA Β· Riverview Bancorp Inc lost $4.3M in fiscal 2026.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

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

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

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

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

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

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

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

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 βˆ’0.5%0.1%β€”0.0%0.1%

Returns and efficiency

KIRA Β· It earned βˆ’2.8% on shareholders’ money. Running costs took 110.6% of revenue (the efficiency ratio; lower is better).

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

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

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 βˆ’$4.6M $0.8M β€” $0.1M $1.3M
Interest expense $1.9M $2.3M $2.8M $4.8M $3.4M $2.2M $4.1M $18.5M β€” β€”
Pretax income $10.8M $18.0M $22.4M $20.6M $13.5M $28.3M $23.7M $4.6M $6.2M βˆ’$5.8M
Income tax $3.4M $7.8M $5.1M $4.8M $3.0M $6.5M $5.6M $0.8M $1.3M βˆ’$1.5M
Net income $7.4M $10.2M $17.3M $15.7M $10.5M $21.8M $18.1M $3.8M $4.9M βˆ’$4.3M
Diluted EPS $0.33 $0.45 $0.76 $0.69 $0.47 $0.98 $0.83 $0.18 $0.23 βˆ’$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 β€” $0.1M $0.0M $0.3M $0.4M $0.3M $0.4M $0.0M $0.4M $0.4M
Share buybacks β€” β€” β€” $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 β€” β€” $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% βˆ’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% βˆ’2.8%
Return on assets 0.7% 0.9% 1.5% 1.3% 0.8% 1.3% 1.1% 0.2% 0.3% βˆ’0.3%
Return on tangible equity 8.9% 11.5% 16.4% 13.0% 8.5% 16.8% 14.1% 3.0% 3.7% βˆ’3.7%
Growth
Revenue growth β€” 22.5% 8.5% βˆ’0.1% βˆ’3.6% 7.8% 5.7% βˆ’24.3% 4.7% βˆ’14.9%
Net income growth β€” 38.3% 68.6% βˆ’8.8% βˆ’33.5% 108.4% βˆ’17.2% βˆ’79.0% 29.1% βˆ’188.5%
EPS growth β€” 36.4% 68.9% βˆ’9.2% βˆ’31.9% 108.5% βˆ’15.3% βˆ’78.3% 27.8% βˆ’191.3%
FCF growth β€” βˆ’35.9% 70.8% βˆ’32.2% 59.0% βˆ’35.9% βˆ’34.8% βˆ’17.1% βˆ’22.2% 102.5%
Share count change β€” 0.3% 0.2% 0.4% βˆ’1.9% βˆ’0.4% βˆ’2.6% βˆ’2.3% βˆ’0.4% βˆ’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% βˆ’0.5% 0.1% β€” 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 β€” 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 βˆ’0.9% βˆ’0.1% βˆ’0.3% βˆ’0.0% βˆ’1.0% 0.3% 0.3% βˆ’0.6% βˆ’0.2% βˆ’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 β€” not investment advice. Check the original filings before relying on any figure.

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