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RVSB

Riverview Bancorp, Inc.

RVSB

Riverview Bancorp, Inc. • NASDAQ
$5.27 ▲ 0.38% (+0.02)
Market Cap $110.63 M
52w High $6.59
52w Low $4.74
Dividend Yield 0.08%
P/E 23.95
Volume 20.53K
Outstanding Shares 20.99M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q2-2026 $19.212M ▲ $12.226M ▲ $1.099M ▼ 5.72% ▼ $0.052 ▼ $2.23M ▼
Q1-2026 $18.801M ▲ $11.72M ▲ $1.225M ▲ 6.516% ▲ $0.058 ▲ $2.42M ▲
Q4-2025 $18.201M ▼ $11.438M ▲ $1.148M ▼ 6.307% ▼ $0.055 ▼ $2.345M ▼
Q3-2025 $18.468M ▼ $11.154M ▲ $1.232M ▼ 6.671% ▼ $0.059 ▼ $2.435M ▼
Q2-2025 $18.783M $10.701M $1.557M 8.289% $0.074 $2.787M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2026 $43.836M ▼ $1.51B ▼ $1.346B ▼ $163.537M ▲
Q1-2026 $46.528M ▲ $1.517B ▲ $1.355B ▲ $162.001M ▲
Q4-2025 $43.451M ▼ $1.513B ▲ $1.353B ▲ $160.014M ▲
Q3-2025 $46.598M ▼ $1.509B ▼ $1.35B ▼ $158.27M ▼
Q2-2025 $163.913M $1.548B $1.388B $160.774M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2026 $1.225M ▲ $-697K ▼ $2.285M ▲ $3.17M ▼ $4.758M ▲ $-773K ▼
Q4-2025 $1.148M ▼ $-139K ▼ $-274K ▼ $4.479M ▲ $4.066M ▲ $-231K ▼
Q3-2025 $1.232M ▼ $2.209M ▲ $30.848M ▲ $-38.669M ▼ $-5.612M ▼ $1.905M ▲
Q2-2025 $1.557M ▲ $764K ▼ $-4.088M ▲ $6.48M ▼ $3.156M ▼ $-1.443M ▼
Q1-2025 $966K $5.436M $-13.16M $11.886M $4.162M $5.326M

Revenue by Products

Product Q2-2025Q3-2025Q4-2025Q1-2026
Asset management fees
Asset management fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Debit card and ATM fees
Debit card and ATM fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Deposit related fees
Deposit related fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Loan related fees
Loan related fees
 $0 ▲$0 ▲$0 ▲$0 ▲
Other net
Other net
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Earnings have become much weaker over the last couple of years. Revenue has been fairly flat, but profitability has compressed as funding costs and credit pressures likely caught up with the bank. After a strong profit year in the middle of the period, net income has drifted down toward roughly break-even more recently, and earnings per share have fallen sharply from their prior peak. Overall, the story is one of stable top line but much thinner margins and reduced bottom-line strength, which is common for smaller regional banks in a tougher interest rate and credit environment.

Balance Sheet

Balance Sheet The balance sheet looks steady but with some pressure points. Total assets have edged down slightly from their earlier high, suggesting a modest pullback or slower growth in lending and investments. Equity has held relatively stable, which points to a reasonable capital base. However, cash levels are now much lower than a few years ago, and the bank is relying more on borrowings than it did earlier in the period. That shift from a very liquid, low-debt profile toward more funding use is important to watch, especially if rates stay high or credit conditions worsen.

Cash Flow

Cash Flow Cash generation appears consistent and modestly positive. The bank is producing steady operating cash flow, and its free cash flow has remained positive, helped by relatively low capital spending needs. This reflects the nature of a mature community bank with manageable investment requirements. There is no sign of major strain in the cash figures, but they also don’t point to excess capacity; the bank seems to be running a tight, disciplined cash operation rather than building large surpluses.

Competitive Edge

Competitive Edge Riverview operates as a classic community bank with deep local roots in Washington and Oregon. Its edge comes from long-standing relationships, local decision-making, and a full-service offering that covers personal, business, and wealth management needs. Digital services are solid and on par with industry standards, supported by well-known fintech partners, but not dramatically ahead of peers. The bank competes on trust, personal service, and local knowledge rather than on scale or cutting-edge technology, which can be a strength in its niche but leaves it exposed to both larger banks and digital-only entrants if it doesn’t keep evolving.

Innovation and R&D

Innovation and R&D Innovation is practical rather than flashy. The bank has invested meaningfully in upgrading its digital banking platforms, mobile capabilities, and business cash-management tools, mostly through partnerships with established technology providers. These moves keep Riverview relevant and convenient for customers but don’t create a unique tech moat. The appointment of a new, innovation-oriented CEO is a major potential turning point: future changes could include stronger digital experiences, more data-driven operations, potential acquisitions, and a push into more diversified commercial lending. Execution risk is real, but leadership signals a willingness to modernize beyond traditional community banking.

Summary

Riverview Bancorp looks like a traditional community bank navigating a tougher banking cycle. Revenues are steady but profits have been squeezed, reflecting margin pressure and a more challenging environment for smaller regional lenders. The balance sheet is generally sound, though with less cash cushion and greater reliance on borrowings than a few years ago. Cash flows remain positive and controlled, supporting day-to-day operations. Competitively, the bank leans on local relationships and personalized service rather than scale or unique technology. Recent digital investments and a new CEO with a reputation for innovation and deal-making introduce both opportunity and uncertainty. The key questions going forward are whether Riverview can restore stronger profitability, maintain asset quality, and successfully use technology and strategy shifts to reinforce its local franchise without taking on outsized risk.

NEWS

October 28, 2025 · 4:00 PM UTC

Riverview Bancorp Reports Net Income of $1.1 Million in Second Fiscal Quarter 2026

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September 29, 2025 · 4:00 PM UTC

Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share

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