NASDAQ : RVSB
Riverview Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 5.92 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 118.12M
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Financial statements
Income statement
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 56.99M | 55.02M | 50.62M | 46.03M | 44.74M | 44.08M |
| Interest Income on Investments | 7.50M | 6.99M | 8.34M | 10.52M | 10.92M | 5.75M |
| Total Interest Income | 64.49M | 62.01M | 58.96M | 56.55M | 55.67M | 49.83M |
| Interest Paid on Deposits | 17.38M | 16.75M | 15.31M | 8.29M | 1.50M | 1.42M |
| Interest Paid on Borrowings | 3.15M | 4.91M | 7.30M | 10.18M | 2.56M | 776.00K |
| Total Interest Expense | 20.53M | 21.66M | 22.62M | 18.47M | 4.06M | 2.20M |
| Net Interest Income | 43.96M | 40.35M | 36.34M | 38.09M | 51.61M | 47.62M |
| Trust Income | 6.38M | 6.24M | 5.91M | 5.33M | 4.73M | 4.11M |
| Gain (Loss) on Sale of Assets | 993.00K | |||||
| Gain (Loss) on Sale of Investments | -11.35M | -11.35M | -2.73M | |||
| Other Non-Interest Income | 7.67M | 7.85M | 7.51M | 7.64M | 7.46M | 8.14M |
| Total Non-Interest Income | 2.70M | 2.74M | 13.41M | 10.24M | 12.19M | 13.24M |
| Revenues Before Loan Losses | 46.66M | 43.08M | 49.76M | 48.33M | 63.80M | 60.86M |
| Provision for Loan Losses | 1.25M | 1.25M | 100.00K | 750.00K | -4.62M | |
| Revenue | 45.41M | 41.83M | 49.66M | 48.33M | 63.05M | 65.49M |
| Salaries and Employee Benefits | 29.88M | 28.25M | 25.58M | 24.02M | 23.41M | 23.22M |
| Occupancy Expenses | 6.32M | 6.37M | 6.32M | 5.53M | 4.83M | 4.15M |
| Federal Deposit Insurance | 683.00K | 671.00K | 688.00K | 708.00K | 534.00K | 439.00K |
| Amortization of Goodwill & Intangibles | 93.00K | 93.00K | 100.00K | 108.00K | 116.00K | 124.00K |
| Selling, General & Administrative | 8.23M | 7.79M | 8.08M | 7.17M | 6.97M | 6.88M |
| Other Non-Interest Expense | 4.09M | 4.24M | 3.57M | 6.19M | 3.52M | 2.90M |
| Total Non-Interest Expense | 49.29M | 47.41M | 44.35M | 43.73M | 39.37M | 37.71M |
| EBT Excluding Unusual Items | -3.89M | -5.59M | 5.31M | 4.60M | 23.68M | 27.78M |
| Legal Settlements | 930.00K | |||||
| Other Unusual Items | -248.00K | -248.00K | ||||
| Pretax Income | -4.13M | -5.83M | 6.24M | 4.60M | 23.68M | 28.28M |
| Income Tax Expense | -1.14M | -1.49M | 1.33M | 802.00K | 5.61M | 6.46M |
| Net Income | -3.00M | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M |
| Net Income to Common | -3.00M | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M |
| Basic Shares Outstanding | 20.43M | 20.84M | 21.06M | 21.14M | 21.64M | 22.21M |
| Diluted Shares Outstanding | 20.43M | 20.84M | 21.06M | 21.14M | 21.65M | 22.22M |
| EPS (Basic) | -0.15 | -0.21 | 0.23 | 0.18 | 0.84 | 0.98 |
| EPS (Diluted) | -0.15 | -0.21 | 0.23 | 0.18 | 0.83 | 0.98 |
| Dividend Per Share | 0.08 | 0.08 | 0.08 | 0.24 | 0.24 | 0.21 |
| Effective Tax Rate | 21.40% | 17.43% | 23.69% | 22.83% |
Balance sheet
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 115.80M | 116.87M | 29.41M | 23.64M | 22.04M | 241.42M |
| Investment Securities | 162.78M | 35.36M | 113.80M | 143.16M | 190.70M | 136.20M |
| Mortgage-Backed Securities | 119.41M | 208.72M | 229.55M | 264.89M | 282.93M | |
| Total Investments | 162.78M | 154.77M | 322.51M | 372.71M | 455.59M | 419.13M |
| Gross Loans | 1.11B | 1.10B | 1.07B | 1.03B | 1.01B | 995.28M |
| Allowance for Loan Losses | -15.71M | -15.25M | -15.37M | -15.36M | -15.31M | -14.52M |
| Other Adjustments to Gross Loans | -5.30M | -5.50M | -6.00M | -5.80M | -4.87M | |
| Net Loans | 1.09B | 1.08B | 1.05B | 1.01B | 993.55M | 975.88M |
| Property, Plant & Equipment | 21.36M | 25.59M | 27.67M | 28.40M | 28.10M | 26.43M |
| Goodwill | 27.08M | 27.08M | 27.08M | 27.08M | 27.08M | 27.08M |
| Other Intangible Assets | 77.00K | 171.00K | 271.00K | 379.00K | 495.00K | |
| Accrued Interest Receivable | 4.49M | 4.13M | 4.53M | 4.42M | 4.79M | 4.65M |
| Other Current Assets | 11.58M | 8.69M | 7.44M | |||
| Long-Term Deferred Tax Assets | 14.16M | 12.12M | 8.62M | 9.78M | 10.29M | 7.50M |
| Other Long-Term Assets | 35.35M | 35.62M | 34.45M | 41.67M | 41.03M | 35.49M |
| Total Assets | 1.49B | 1.46B | 1.51B | 1.52B | 1.59B | 1.74B |
| Accrued Expenses | 20.14M | 14.15M | 10.22M | 10.36M | 8.34M | 10.33M |
| Interest Bearing Deposits | 966.61M | 960.73M | 916.83M | 882.60M | 860.28M | 1.04B |
| Non-Interest Bearing Deposits | 315.25M | 293.46M | 315.50M | 349.08M | 404.94M | 494.83M |
| Total Deposits | 1.28B | 1.25B | 1.23B | 1.23B | 1.27B | 1.53B |
| Short-Term Borrowings | 16.10M | 16.10M | 76.40M | 88.30M | 123.75M | |
| Current Portion of Leases | 1.45M | |||||
| Long-Term Leases | 1.98M | 4.39M | 6.56M | 7.95M | 9.29M | 10.59M |
| Trust Preferred Securities | 27.22M | 27.18M | 27.09M | 27.00M | 26.92M | 26.83M |
| Other Long-Term Liabilities | 859.00K | 723.00K | 704.00K | 651.00K | 951.00K | 1.22M |
| Total Liabilities | 1.35B | 1.32B | 1.35B | 1.37B | 1.43B | 1.58B |
| Common Stock | 196.00K | 203.00K | 208.00K | 211.00K | 212.00K | 221.00K |
| Additional Paid-In Capital | 47.24M | 51.11M | 53.39M | 55.01M | 55.51M | 62.05M |
| Retained Earnings | 116.58M | 113.71M | 119.72M | 116.50M | 117.83M | 104.93M |
| Comprehensive Income & Other | -25.84M | -19.39M | -13.30M | -16.13M | -18.31M | -9.95M |
| Shareholders' Equity | 138.18M | 145.64M | 160.01M | 155.59M | 155.24M | 157.25M |
| Total Liabilities & Equity | 1.49B | 1.46B | 1.51B | 1.52B | 1.59B | 1.74B |
| Total Debt | 45.30M | 49.12M | 110.06M | 123.26M | 159.97M | 37.42M |
| Net Cash (Debt) | 70.50M | 67.75M | -80.64M | -99.61M | -137.67M | 204.25M |
| Net Cash Per Share | 3.45 | 3.25 | -3.83 | -4.71 | -6.36 | 9.19 |
| Filing Date Shares Outstanding | 19.74M | 20.28M | 20.98M | 21.11M | 21.12M | 22.13M |
| Total Common Shares Outstanding | 19.74M | 20.56M | 20.98M | 21.11M | 21.22M | 22.13M |
| Book Value Per Share | 7.00 | 7.08 | 7.63 | 7.37 | 7.32 | 7.11 |
| Tangible Book Value | 111.10M | 118.48M | 132.77M | 128.24M | 127.78M | 129.68M |
| Tangible Book Value Per Share | 5.63 | 5.76 | 6.33 | 6.07 | 6.02 | 5.86 |
Cash flow statement
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | -4.34M | 4.90M | 3.80M | 18.07M | 21.82M | |
| Depreciation & Amortization | 3.40M | 3.33M | 2.76M | 2.69M | 3.52M | |
| Gain (Loss) on Sale of Assets | -23.00K | -993.00K | ||||
| Gain (Loss) on Sale of Investments | 11.35M | 2.73M | ||||
| Total Asset Writedown | 26.00K | |||||
| Provision for Credit Losses | 1.25M | 100.00K | 750.00K | -4.62M | ||
| Accrued Interest Receivable | 392.00K | -110.00K | 375.00K | -140.00K | 586.00K | |
| Change in Other Net Operating Assets | 2.17M | 582.00K | 3.76M | -7.16M | -1.74M | |
| Other Operating Activities | -2.60M | -998.00K | -783.00K | -1.06M | -2.42M | |
| Operating Cash Flow | 12.04M | 8.27M | 12.75M | 13.57M | 16.46M | |
| Capital Expenditures | -789.00K | -2.71M | -5.61M | -4.96M | -3.25M | |
| Investment in Securities | 147.61M | 53.28M | 82.72M | -48.15M | -177.77M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -31.35M | -38.30M | -15.49M | -18.35M | -45.07M | |
| Other Investing Activities | 2.78M | 977.00K | 1.94M | -4.85M | 1.01M | |
| Investing Cash Flow | 118.33M | 13.33M | 63.56M | -76.25M | -221.66M | |
| Long-Term Debt Issued | 756.50M | 612.60M | 605.03M | 199.78M | 2.00M | |
| Total Debt Issued | 756.50M | 612.60M | 605.03M | 199.78M | 2.00M | |
| Long-Term Debt Repaid | -816.88M | -624.57M | -640.54M | -76.08M | -2.05M | |
| Total Debt Repaid | -816.88M | -624.57M | -640.54M | -76.08M | -2.05M | |
| Net Debt Issued (Repaid) | -60.38M | -11.97M | -35.51M | 123.70M | -46.00K | |
| Issuance of Common Stock | 36.00K | 4.00K | 16.00K | |||
| Repurchase of Common Stock | -2.72M | -2.00M | -577.00K | -6.71M | -1.94M | |
| Common Dividends Paid | -1.67M | -2.53M | -5.08M | -5.12M | -4.67M | |
| Net Increase (Decrease) in Deposit Accounts | 21.86M | 649.00K | -33.54M | -268.66M | 187.82M | |
| Other Financing Activities | -7.00K | 33.00K | -44.00K | 70.00K | 34.00K | |
| Financing Cash Flow | -42.91M | -15.82M | -74.71M | -156.71M | 181.21M | |
| Net Cash Flow | 87.45M | 5.77M | 1.60M | -219.38M | -23.98M | |
| Free Cash Flow | 11.25M | 5.56M | 7.14M | 8.61M | 13.21M | |
| Free Cash Flow Margin | 26.90% | 11.19% | 14.78% | 13.66% | 20.17% | |
| Free Cash Flow Per Share | 0.54 | 0.26 | 0.34 | 0.40 | 0.59 | |
| Cash Interest Paid | 21.17M | 21.62M | 17.24M | 3.74M | 1.95M | |
| Cash Income Tax Paid | 1.19M | -127.00K | 1.87M | 6.24M | 5.41M |
Ratios
Fiscal year April - March; amounts in USD.
| TTM | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 118.63M | 113.91M | 119.41M | 99.64M | 114.79M | 167.43M |
| Last Close Price | 6.01 | 5.44 | 5.51 | 4.48 | 4.86 | 6.64 |
| PE Ratio | 24.36 | 26.23 | 6.35 | 7.67 | ||
| PS Ratio | 2.61 | 2.72 | 2.40 | 2.06 | 1.82 | 2.56 |
| PB Ratio | 0.86 | 0.78 | 0.75 | 0.64 | 0.74 | 1.06 |
| P/FCF Ratio | 8.53 | 10.12 | 21.49 | 13.95 | 13.33 | 12.68 |
| P/OCF Ratio | 8.03 | 9.46 | 14.44 | 7.81 | 8.46 | 10.17 |
| Debt / Equity Ratio | 0.33 | 0.34 | 0.69 | 0.79 | 1.03 | 0.24 |
| Debt / FCF Ratio | 4.37 | 19.80 | 17.26 | 18.58 | 2.83 | |
| Net Debt / Equity Ratio | -0.51 | -0.47 | 0.50 | 0.64 | 0.89 | -1.30 |
| Net Debt / FCF Ratio | -6.02 | 14.51 | 13.95 | 15.99 | -15.46 | |
| Return on Equity (ROE) | -1.99% | -2.84% | 3.11% | 2.44% | 11.56% | 14.13% |
| Return on Assets (ROA) | -0.20% | -0.29% | 0.32% | 0.24% | 1.08% | 1.33% |
| Earnings Yield | -2.49% | -3.81% | 4.11% | 3.81% | 15.74% | 13.03% |
| FCF Yield | 11.72% | 9.88% | 4.65% | 7.17% | 7.50% | 7.89% |
| Dividend Yield | 1.33% | 1.44% | 1.41% | 5.08% | 4.44% | 2.84% |
| Payout Ratio | 51.66% | 133.72% | 28.32% | 21.40% | ||
| Buyback Yield / Dilution | 2.68% | 1.06% | 0.36% | 2.34% | 2.60% | 0.39% |
| Total Shareholder Return | 4.01% | 2.50% | 1.76% | 7.43% | 7.04% | 3.23% |