Stocks · Financial Services · Banks - Regional
Riverview Bancorp, Inc. RVSB
$5.99 -0.66% Close, Oct 2, 2026 · NASDAQ · Market cap $120.8M
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-0.19, down 177.9% year over year.
- Operating margin narrowed to -8.6% from 8.8% a year earlier.
- Revenue over the last four quarters was $61.0M, down 17.9% from a year earlier, slowing from -11.6% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 6%
- EPS growth (TTM, YoY)Bottom 5%
- Revenue growth, 3-year CAGRBottom 7%
- Revenue growth accelerationBottom 21%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 26%
- Gross marginTop 33%
- Operating marginBottom 8%
- Accruals (lower is better)Top 31%
- Interest coverBottom 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 10%
- Free-cash-flow yieldTop 28%
- EBITDA / enterprise valueBottom 6%
- Sales / enterprise valueTop 12%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 24%
- 6-month returnTop 41%
- 1-year return vs S&P 500Top 40%
- Distance from 52-week highTop 17%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 35%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 30%
- Upside to consensus price targetTop 18%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 32%
- Maximum drawdown, 3 yearsBottom 22%
- Beta vs S&P 500 (lower is better)Top 20%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -11.6% | -17.9% | ↓ |
| EPS growth (YoY) | -191.4% | -177.9% | ↑ |
| Gross margin | 69.5% | 71.5% | ↑ |
| Operating margin | 8.8% | -8.6% | ↓ |
| FCF margin | -0.7% | 22.8% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -17.9% | -11.6% | ↓ | Bottom 6% |
| EPS growth (TTM, YoY) | -177.9% | -191.4% | ↑ | Bottom 5% |
| Gross margin | 71.5% | 69.5% | ↑ | Top 33% |
| Operating margin | -8.6% | 8.8% | ↓ | Bottom 8% |
| Net margin | -6.3% | 7.0% | ↓ | — |
| Free-cash-flow margin | 22.8% | -0.7% | ↑ | — |
| Return on invested capital | -0.3% | — | Bottom 26% | |
| Revenue growth, 3-year CAGR | -1.6% | — | Bottom 7% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -1.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +18.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- Net cash
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.37%
- Net buyback yield (TTM)
- 3.67%
- Shareholder yield
- 5.05%
- Share count change, 1 year
- -2.9%
- Share count change, 3-year CAGR
- -1.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 14, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +8.2%
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $8.00
- Target vs current price
- +33.6%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 33%
- Consensus rating
- Sell
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 28, 2026 | +14.3% | +0.9% | +1.3% | -2.8% | — |
| Apr 28, 2026 | -40.0% | -2.7% | -6.5% | +2.4% | -4.0% |
| Jan 27, 2026 | +75.0% | +0.0% | +5.9% | +4.7% | +5.7% |
| Oct 28, 2025 | -16.7% | -2.1% | +0.4% | +0.8% | -0.4% |
| Jul 29, 2025 | +20.0% | +0.0% | -10.0% | -7.4% | -3.1% |
| Apr 29, 2025 | +66.7% | +0.0% | +7.8% | -1.4% | -8.8% |
| Jan 30, 2025 | +50.0% | +0.2% | -0.4% | -8.5% | +5.0% |
| Oct 24, 2024 | +75.0% | +0.0% | +2.6% | +11.2% | +20.5% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 28, 2026 | $0.08 | $0.07 | +14.3% | $15.0M |
| Apr 28, 2026 | $0.03 | $0.05 | -40.0% | $2.1M |
| Jan 27, 2026 | $0.07 | $0.04 | +75.0% | $14.0M |
| Oct 28, 2025 | $0.05 | $0.06 | -16.7% | $13.6M |
| Jul 29, 2025 | $0.06 | $0.05 | +20.0% | $13.3M |
| Apr 29, 2025 | $0.05 | $0.03 | +66.7% | $12.9M |
| Jan 30, 2025 | $0.06 | $0.04 | +50.0% | $12.7M |
| Oct 24, 2024 | $0.07 | $0.04 | +75.0% | $12.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 21.4× | — | — | — |
| EV / Sales | 1.05× | — | — | Top 12% |
| Free-cash-flow yield | 11.51% | — | — | Top 28% |
| Earnings yield | -3.19% | — | — | Bottom 10% |
P/E over the past five years
Range 6.0× – 140.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +12.6%
- Earnings per share growth (TTM)
- -177.9%
- Change in P/E multiple
- -83.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 17
- Days above the 200-day average
- 16
- 50-day average slope (20 days)
- +3.1%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- +10.0%
- Distance from 200-day average
- +11.0%
- RSI (14)
- 72.2
- Relative volume
- 0.90×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.4%
- Volatility vs own 5-year history
- 4th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.22
- Correlation with S&P 500
- 0.13
- Current drawdown from 1-year high
- -1.5%
- Maximum drawdown, 3 years
- -43.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 17, 2021 | Jun 13, 2024 | -54.9% | 645 days | Not yet recovered |
| Mar 8, 2021 | Jun 18, 2021 | -14.6% | 72 days | 34 days (Aug 6, 2021) |
| Nov 10, 2020 | Dec 3, 2020 | -11.9% | 16 days | 52 days (Feb 19, 2021) |
| Oct 22, 2020 | Oct 28, 2020 | -11.8% | 4 days | 8 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $120.8M
- EPS, diluted (TTM)
- -$0.19
- Revenue (TTM)
- $61.0M
- Dividend yield
- 1.67%
- 52-week range
- $4.88 – $6.22
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Revenue | $62.6M | $67.9M | $66.8M | $73.2M | $64.7M |
| Gross profit | $65.0M | $63.0M | $48.3M | $50.5M | $41.8M |
| Operating income | $28.3M | $23.7M | $4.6M | $6.2M | -$5.8M |
| Net income | $21.8M | $18.1M | $3.8M | $4.9M | -$4.3M |
| EPS (diluted) | $0.98 | $0.83 | $0.18 | $0.23 | -$0.21 |
| Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | Q3 2026 | Q4 2026 | Q1 2027 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $18.8M | $18.5M | $18.2M | $18.8M | $19.2M | $19.5M | $7.3M | $15.1M |
| Net income | $1.6M | $1.2M | $1.1M | $1.2M | $1.1M | $1.4M | -$8.0M | $1.7M |
| EPS (diluted) | $0.07 | $0.06 | $0.05 | $0.06 | $0.05 | $0.07 | -$0.39 | $0.08 |
| FY 2022 | FY 2023 | FY 2024 | FY 2025 | FY 2026 | |
|---|---|---|---|---|---|
| Operating cash flow | $16.5M | $13.6M | $12.8M | $8.3M | $12.0M |
| Capital expenditure | -$3.3M | -$5.0M | -$5.6M | -$2.7M | -$789,000 |
| Free cash flow | $13.2M | $8.6M | $7.1M | $5.6M | $11.3M |
| Dividends paid | -$4.7M | -$5.1M | -$5.1M | -$2.5M | -$1.7M |
| Net share buybacks | -$1.9M | -$6.7M | -$541,000 | -$2.0M | -$2.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $102.9M
- Total assets
- $1.47B
- Total liabilities
- $1.33B
- Total debt
- $45.3M
- Net debt
- -$56.9M
- Shareholders’ equity
- $145.3M
As of Jun 30, 2026 (filed Aug 14, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 9, 2026 | $0.02 | Oct 20, 2026 |
| Jul 9, 2026 | $0.02 | Jul 21, 2026 |
| Apr 13, 2026 | $0.02 | Apr 24, 2026 |
| Jan 5, 2026 | $0.02 | Jan 16, 2026 |
| Oct 9, 2025 | $0.02 | Oct 20, 2025 |
| Jul 10, 2025 | $0.02 | Jul 22, 2025 |
| Apr 14, 2025 | $0.02 | Apr 25, 2025 |
| Jan 2, 2025 | $0.02 | Jan 14, 2025 |
Short interest
- Shares sold short
- 245,753
- Days to cover
- 4.82
- Change vs previous report
- -6.6%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Aug 25, 2006
- 2-for-1
- Oct 1, 1997
- 317-for-125
- Mar 26, 1997
- 11-for-10
- Apr 8, 1996
- 11-for-10
- Mar 27, 1995
- 11-for-10