Riverview Bancorp Inc is a US-listed company in the regional banks industry. Its financial year ends in March.
What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.
Revenue for the twelve months to June 2026 was $45m, down 13.3% on a year earlier, a smaller fall than the 14.9% decline a quarter earlier. That puts it 228 of 231 for growth among the regional banks companies we cover.
Our model value for Riverview Bancorp is under review, so past values are not shown until it is resolved.
Source: 10-Q filed August 14, 2026 on SEC EDGAR · Financials · Valuation
Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.
Riverview Bancorp Inc's trailing-twelve-month revenue fell 13.3% year on year, with a free-cash-flow margin of 31.0%. Where it lags: revenue growth of -13.3% ranks 241 of 245 regional banks companies we cover.
Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 43% in the quarter to 2026-09-30, the 3rd beat in the last four quarters.
Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.
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Third-party market data · may be delayed
Company announcements, filed results and changes that matter to shareholders.
No model value for Riverview Bancorp Inc at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.
The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.
We value Riverview Bancorp Inc as a bank or lender, with every model that fits that kind of business. Cost of equity 7.4%: the 10-year Treasury yield (4.9%) plus a beta of 0.56 times a 4.5% equity risk premium.
| Model | Value per share | In the combined value? |
|---|---|---|
| Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. | ~$5.2 ~$3.3–$8.0 | Primary model, counts double |
| Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. | ~$3.7 ~$3.0–$4.7 | Included |
| Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. | ~$7.7 ~$3.8–$12 | Included |
| Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. | ~$5.8 ~$7.6–$11 | Included |
| Price-to-earnings vs peers Earnings per share times peers' typical (harmonic-mean) price-to-earnings. | — | Does not apply: This model is withheld pending its input or assumption review. |
| Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. | ~$4.0 ~$3.2–$5.3 | Included |
| Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. | — | Combined value withheld. Review the individual models and their assumptions. |
Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Riverview Bancorp Inc with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.
Moderate moat
How hard Riverview Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.
Net income has been a median 0.9% of total assets over 10 years.
Net margin has been a median 21.5%; its worst year was -8.6%.
The diluted share count fell 7.4% over five years; stock-based pay has been a median 0.6% of revenue.
AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (60 before it).
Next results: January 26, 2027, after the close. Analysts expect revenue of $15m and EPS of $0.07 (range $0.07 to $0.07) for the quarter.
| Fiscal year | EPS | Growth | Revenue | Growth |
|---|---|---|---|---|
| Current | $0.28 | +33% | $61m | +40% |
| Next | $0.37 | +32% | $64m | +6% |
Next year's EPS estimate has moved −7.5% in 90 days, across 1 analysts.
The consensus EPS forecast for the current fiscal year is −12.5% on 90 days ago. In the last 30 days, 0 analysts raised Riverview Bancorp Inc's forecast and 1 cut it.
Average of analysts' published estimates (third-party data).
| Period | Current fiscal year | Next fiscal year |
|---|---|---|
| 90 days ago | $0.32 | $0.40 |
| 60 days ago | $0.28 | $0.37 |
| 30 days ago | $0.28 | $0.37 |
| 7 days ago | $0.28 | $0.37 |
| Now | $0.28 | $0.37 |
| Quarter to | Estimate | Actual | Surprise |
|---|---|---|---|
| Sept 2026 | $0.07 | $0.10 | +42.9% |
| Jun 2026 | $0.07 | $0.08 | +14.3% |
| Mar 2026 | $0.05 | $0.03 | −40.0% |
| Dec 2025 | $0.04 | $0.07 | +75.0% |
Adjusted EPS as companies report it, against the average analyst estimate.
Last 12 months +19.1%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $52m | $45m | −13.3% |
| P/S multiple | 2.1x | 2.8x | +35.1% |
| Share count | 21m | 21m | +1.6% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
Last 3 years +15.0%
| Part | Then | Now | Effect |
|---|---|---|---|
| Revenue (last 12 months) | $62m | $45m | −27.3% |
| P/S multiple | 1.8x | 2.8x | +52.8% |
| Share count | 21m | 21m | +3.5% |
Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.
| Calendar year | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 to date |
|---|---|---|---|---|---|---|
| Return | ||||||
| RVSB | +51% | +3% | −13% | −7% | −11% | +23% |
| Industry peers (median) | +34% | −4% | −2% | +16% | +10% | +24% |
| S&P 500 | +29% | −18% | +26% | +25% | +18% | +11% |
| Months that ended higher | ||||||
| RVSB | 67% | 42% | 42% | 58% | 42% | 64% |
| S&P 500 | 75% | 42% | 67% | 75% | 75% | 46% |
| Largest fall from a high during the year | ||||||
| RVSB | −14% | −23% | −47% | −42% | −24% | −16% |
| S&P 500 | −5% | −25% | −10% | −8% | −19% | −9% |
Worst fall since November 3, 2015: 59% from September 4, 2018 to September 22, 2020. Getting back needed a 146% gain, and the shares have not yet recovered.
| Results released | Next day | S&P 500 next day | 5 days | 21 days |
|---|---|---|---|---|
| October 29, 2026 | −0.3% | −2.1% | — | — |
| July 29, 2026 | −1.5% | +0.1% | +0.6% | −3.5% |
| April 30, 2026 | +1.9% | +1.3% | +5.4% | +6.8% |
| January 29, 2026 | −0.4% | −0.5% | +3.9% | +3.7% |
| November 3, 2025 | +2.3% | −1.0% | +5.2% | +0.4% |
| August 4, 2025 | +1.7% | +1.0% | +2.5% | +0.2% |
| April 30, 2025 | +8.3% | +0.7% | +4.1% | −5.9% |
| February 4, 2025 | +0.4% | +1.1% | −2.7% | −8.8% |
| October 29, 2024 | +1.1% | −0.1% | −0.2% | +18.7% |
| July 30, 2024 | +3.1% | +1.1% | +1.3% | +4.5% |
| May 1, 2024 | +5.4% | +0.6% | +12.6% | +14.5% |
| January 31, 2024 | −4.6% | −0.3% | −13.6% | −18.7% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue (TTM) |
|---|---|
| FY24 Q2 | $58.4M |
| FY24 Q3 | $54.1M |
| FY24 Q4 | $48.3M |
| FY25 Q1 | $46.9M |
| FY25 Q2 | $46.4M |
| FY25 Q3 | $46.7M |
| FY25 Q4 | $50.6M |
| FY26 Q1 | $51.7M |
| FY26 Q2 | $52.5M |
| FY26 Q3 | $53.8M |
| FY26 Q4 | $43.1M |
| FY27 Q1 | $44.8M |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | Revenue growth, TTM YoY |
|---|---|
| FY24 Q2 | -6.5% |
| FY24 Q3 | -15.4% |
| FY24 Q4 | -24.3% |
| FY25 Q1 | -24.0% |
| FY25 Q2 | -20.5% |
| FY25 Q3 | -13.5% |
| FY25 Q4 | 4.7% |
| FY26 Q1 | 10.3% |
| FY26 Q2 | 13.2% |
| FY26 Q3 | 15.2% |
| FY26 Q4 | -14.9% |
| FY27 Q1 | -13.3% |
Source: SEC EDGAR filings. Retrieved October 29, 2026.
| Period | FCF margin (TTM) |
|---|---|
| FY24 Q2 | 13.8% |
| FY24 Q3 | 27.5% |
| FY24 Q4 | 14.8% |
| FY25 Q1 | 11.8% |
| FY25 Q2 | 8.5% |
| FY25 Q3 | -8.3% |
| FY25 Q4 | 11.0% |
| FY26 Q1 | -1.0% |
| FY26 Q2 | 32.9% |
| FY26 Q3 | 27.2% |
| FY26 Q4 | 26.1% |
| FY27 Q1 | 31.0% |
| Fiscal year | 2010 Mar 2010 | 2011 Mar 2011 | 2012 Mar 2012 | 2013 Mar 2013 | 2014 Mar 2014 | 2015 Mar 2015 | 2016 Mar 2016 | 2017 Mar 2017 | 2018 Mar 2018 | 2019 Mar 2019 | 2020 Mar 2020 | 2021 Mar 2021 | 2022 Mar 2022 | 2023 Mar 2023 | 2024 Mar 2024 | 2025 Mar 2025 | 2026 Mar 2026 | LTM Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income | ||||||||||||||||||
| Revenue | 42 | 43 | 40 | 38 | 33 | 36 | 39 | 44 | 54 | 58 | 58 | 56 | 60 | 64 | 48 | 51 | 43 | 45 |
| Net income | −5 | 4 | −32 | 3 | 19 | 4 | 6 | 7 | 10 | 17 | 16 | 10 | 22 | 18 | 4 | 5 | −4 | −4 |
| Diluted EPS | −$0.51 | $0.24 | −$1.42 | $0.12 | $0.87 | $0.20 | $0.28 | $0.33 | $0.45 | $0.76 | $0.69 | $0.47 | $0.98 | $0.83 | $0.18 | $0.23 | −$0.21 | −$0.19 |
| Growth (year on year) | ||||||||||||||||||
| Revenue | — | +2.1% | −5.9% | −5.4% | −14.9% | +9.1% | +8.4% | +13.5% | +22.5% | +8.5% | −0.1% | −3.6% | +7.8% | +5.7% | −24.3% | +4.7% | −14.9% | −13.3% |
| Net income | — | — | −833.7% | — | +637.7% | −76.9% | +41.6% | +16.5% | +38.3% | +68.6% | −8.8% | −33.5% | +108.4% | −17.2% | −79.0% | +29.1% | −188.5% | −175.0% |
| Diluted EPS | — | — | −691.7% | — | +625.0% | −77.0% | +40.0% | +17.9% | +36.4% | +68.9% | −9.2% | −31.9% | +108.5% | −15.3% | −78.3% | +27.8% | −191.3% | −176.2% |
| Margins | ||||||||||||||||||
| Net margin | −12.9% | 10.0% | −78.2% | 6.9% | 59.6% | 12.6% | 16.5% | 16.9% | 19.1% | 29.7% | 27.1% | 18.7% | 36.1% | 28.3% | 7.9% | 9.7% | −10.1% | −8.6% |
| Free-cash-flow margin | 24.6% | 45.2% | 23.3% | 23.1% | 17.5% | 14.3% | 27.8% | 39.9% | 20.9% | 32.9% | 22.3% | 36.8% | 21.9% | 13.5% | 14.8% | 11.0% | 26.1% | 31.0% |
| Cash flow | ||||||||||||||||||
| Cash from operations | 10 | 18 | 12 | 11 | 7 | 6 | 11 | 18 | 12 | 20 | 16 | 24 | 16 | 14 | 13 | 8 | 12 | 15 |
| Capital spending | −0 | −1 | 3 | 2 | 1 | 0 | 0 | 1 | 1 | 1 | 3 | 4 | 3 | 5 | 6 | 3 | 1 | 1 |
| Free cash flow | 10 | 19 | 9 | 9 | 6 | 5 | 11 | 17 | 11 | 19 | 13 | 21 | 13 | 9 | 7 | 6 | 11 | 14 |
| Stock-based pay | — | — | — | — | — | 0 | — | — | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow after stock pay | — | — | — | — | — | 5 | — | — | 11 | 19 | 13 | 20 | 13 | 8 | 7 | 5 | 11 | 13 |
| Balance sheet | ||||||||||||||||||
| Cash | — | 52 | 46 | 115 | 69 | 59 | 55 | 65 | 45 | 23 | 42 | 265 | 241 | 22 | 24 | 29 | 117 | 102 |
| Total debt | — | 0 | 0 | 23 | 23 | 23 | 23 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 | 28 |
| Net debt (negative = net cash) | — | −52 | −46 | −93 | −46 | −36 | −33 | −37 | −17 | 5 | −14 | −238 | −214 | 6 | 4 | −2 | −89 | −74 |
| Diluted shares | 11m | 18m | 22m | 22m | 22m | 22m | 22m | 23m | 23m | 23m | 23m | 22m | 22m | 22m | 21m | 21m | 21m | 21m |
| Returned to shareholders | ||||||||||||||||||
| Dividends | — | — | — | — | — | — | 1 | 2 | 2 | 3 | 4 | 4 | 5 | 5 | 5 | 3 | 2 | 2 |
| Buybacks | — | — | — | — | — | — | — | — | — | — | 1 | 1 | 2 | 7 | 1 | 2 | 3 | — |
| Total returned | — | — | — | — | — | — | 1 | 2 | 2 | 3 | 5 | 6 | 7 | 12 | 6 | 5 | 4 | 2 |
| Quarter | 2025 Q2 Sept 2024 | 2025 Q3 Dec 2024 | 2025 Q4 Mar 2025 | 2026 Q1 Jun 2025 | 2026 Q2 Sept 2025 | 2026 Q3 Dec 2025 | 2026 Q4 Mar 2026 | 2027 Q1 Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Income | ||||||||
| Revenue | 13 | 13 | 13 | 13 | 14 | 14 | 2 | 15 |
| Net income | 2 | 1 | 1 | 1 | 1 | 1 | −8 | 2 |
| Diluted EPS | $0.07 | $0.06 | $0.05 | $0.06 | $0.05 | $0.07 | −$0.39 | $0.08 |
| Growth (year on year) | ||||||||
| Revenue | −3.6% | +2.8% | +42.6% | +8.9% | +6.6% | +10.4% | −83.4% | +13.2% |
| Net income | −37.0% | −15.2% | — | +26.8% | −29.4% | +11.8% | −800.5% | +38.3% |
| Diluted EPS | −41.7% | −14.3% | — | +20.0% | −28.6% | +16.7% | −880.0% | +33.3% |
| Margins | ||||||||
| Net margin | 12.2% | 9.7% | 8.9% | 9.2% | 8.1% | 9.8% | −374.6% | 11.3% |
| Free-cash-flow margin | −11.3% | 15.0% | −1.8% | −5.8% | 120.1% | −5.2% | −167.7% | 12.5% |
| Cash flow | ||||||||
| Cash from operations | 1 | 2 | −0 | −1 | 17 | −1 | −4 | 2 |
| Capital spending | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free cash flow | −1 | 2 | −0 | −1 | 16 | −1 | −4 | 2 |
| Stock-based pay | 0 | 0 | 0 | 0 | 0 | 0 | −0 | 0 |
| Free cash flow after stock pay | −1 | 2 | −0 | −1 | 16 | −1 | −4 | 2 |
| Last 12 months unless stated | RVSB | FUSB | PBHC | CBFV | CBAN | SFBC | Median |
|---|---|---|---|---|---|---|---|
| Revenue, last 12 months | $45m | $42m | $48m | $48m | $49m | $40m | $255m |
| Revenue growth, last 12 months | −13.3% | 4.8% | −4.9% | −6.1% | −59.4% | 6.0% | 12.5% |
| Revenue growth, 3-year average | −10.1% | 0.2% | 0.6% | −4.7% | −24.4% | −1.6% | 6.0% |
| Revenue growth, latest quarter | 13.2% | 4.8% | 26.5% | 15.1% | 29.4% | 6.2% | 10.7% |
| Net margin | −8.6% | 18.6% | 0.3% | 14.9% | 22.4% | 19.9% | 28.7% |
| Cash from operations / revenue | 32.9% | 27.4% | 24.6% | 41.6% | 48.6% | 18.7% | 34.3% |
| Free-cash-flow margin | 31.0% | 20.9% | 22.9% | 40.4% | 44.0% | 18.2% | 31.4% |
| Free-cash-flow margin, 3-year average | 13.9% | 18.5% | 23.8% | 22.6% | 33.8% | 14.2% | 29.9% |
| Stock pay / revenue | 0.9% | 1.8% | 0.1% | 1.8% | 1.6% | 0.6% | 1.2% |
| Change in share count | −1.6% | −2.4% | 0.6% | −2.9% | 10.5% | −0.1% | 0.4% |
| Measure | Company | Peer median | Rank |
|---|---|---|---|
| Revenue growth Growth | -13.3% | 12.5% | 241 of 245 |
| Change in growth rate Growth | +1.6pp | +0.0pp | 78 of 244 |
| Net margin Profitability | -8.6% | 28.7% | 238 of 245 |
| Stock pay as % of revenue Cash generation | 0.9% | 1.3% | 61 of 206 |
| Change in share count Balance sheet | -1.6% | 0.4% | 56 of 230 |
Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).
| Line of business | Revenue | YoY |
|---|---|---|
| Bank Servicing | $6.3M | ▲ 4.5% |
| Trust Company Asset Management | $6.2M | ▲ 5.6% |
| Debit Card | $3M | ▼ 4.3% |
| Deposit Account | $2.2M | ▲ 13.1% |
| Loan Related Fees | $499,000 | ▲ 58.4% |
These categories overlap or exclude eliminations, so shares aren't shown.
From Riverview Bancorp Inc's 10-K filed June 12, 2026, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.
| Manager | Value | Shares | Share of 13F value | Shares QoQ |
|---|---|---|---|---|
| Nierenberg Investment Management Company, LLC | $11M | 2.0M | 15.5% | 0.0% |
| Dimensional Fund Advisors LP | $7.3M | 1.3M | 10.3% | ▲ 0.4% |
| Blackrock, Inc. | $7M | 1.3M | 9.9% | ▼ 45.4% |
| Manufacturers Life Insurance Company, The | $5.8M | 1.1M | 8.1% | ▼ 1.3% |
| Vanguard Capital Management LLC | $4.8M | 883K | 6.7% | ▼ 0.9% |
| Ameriprise Financial Inc | $4.8M | 878K | 6.7% | ▼ 1.2% |
| Pacific Ridge Capital Partners, LLC | $4.1M | 750K | 5.7% | ▼ 0.8% |
| Arrowstreet Capital, Limited Partnership | $3M | 555K | 4.2% | ▼ 3.9% |
| Essex Investment Management Co LLC | $2M | 374K | 2.9% | ▼ 4.3% |
| Renaissance Technologies LLC | $1.9M | 350K | 2.7% | ▲ 9.7% |
| Millennium Management LLC | $1.5M | 277K | 2.1% | New |
| Bridgeway Capital Management, LLC | $1.5M | 275K | 2.1% | 0.0% |
From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Riverview Bancorp Inc's complete shareholder register. Values are as reported by the filers ; 2 inconsistently scaled filing rows were excluded.
| Insider | Date | Trade | Shares | Price | Value |
|---|---|---|---|---|---|
| Girod Jon Louis Director | October 30, 2026 | Buy | 2,000 | $6.04 | $12,080 |
| Lightheart Charmaine EVP/CRDEO | September 17, 2026 | Buy | 100 | $5.68 | $568 |
| Sherman Nicole President/CEO | September 17, 2026 | Buy | 1,765 | $5.69 | $10,043 |
| Graham Stacey Director | September 16, 2026 | Buy | 1,750 | $5.70 | $9,975 |
| Wills Bessie Ross Director | September 15, 2026 | Buy | 2,000 | $5.59 | $11,180 |
| Zamanizadeh Kourosh Nasser Director | September 14, 2026 | Buy | 1,800 | $5.40 | $9,720 |
| Zamanizadeh Kourosh Nasser Director | September 14, 2026 | Buy | 1,800 | $5.36 | $9,648 |
| Benke Robert EVP/CCO | August 20, 2026 | Buy | 1,000 | $5.05 | $5,050 |
| Carlson Bradley Director | August 18, 2026 | Buy | 1,000 | $5.07 | $5,070 |
| Lam David EVP/CFO | August 17, 2026 | Buy | 1,000 | $5.17 | $5,170 |
| Lightheart Charmaine EVP/CRDEO | August 12, 2026 | Buy | 250 | $5.31 | $1,328 |
| Girod Jon Louis Director | August 3, 2026 | Buy | 1,000 | $5.41 | $5,410 |
From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.
Next expected around January 28, 2027 estimated from the company's past filing pattern, not announced
| Data | Last updated | Source |
|---|---|---|
| Share price | Exchange closing prices | |
| Financial statements | SEC 10-K and 10-Q filings | |
| News and updates | Company releases and SEC 8-K filings | |
| Analyst estimates | Aggregated analyst estimates | |
| Valuation and scores | Our models, from the filed figures |
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