RIVERVIEW BANCORP INC financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
RVSB on Nasdaq
Location
Vancouver, WA
Fiscal year end
31 March
Latest financial report
13 Feb 2026

Quick Takeaways

  • RVSB - RIVERVIEW BANCORP INC financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 3%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+505%</span>.
  • Most recent SEC facts end date: 13 Feb 2026.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2026-02-13) highlights Return On Equity 3.0%, Return On Assets 0.3%, and Operating Margin 13.8%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

24.4/100

Weak Confidence medium

Return On Equity

3%

Metric score 0.0/100

Return On Assets

0.32%

Metric score 0.0/100

Financial Health

Debt to Equity
8.31x

Strengths

NetIncomeLoss YoY

Watchpoints

Return On Equity, Return On Assets, and Debt-to-equity

Key metrics snapshot

Return On Equity

3%

YoY: +505%

Industry median: 4.8% (n=62)

View history

Return On Assets

0.32%

YoY: +532%

Industry median: 0.61% (n=61)

View history

Debt-to-equity

8.31x

YoY: -4.4%

Industry median: 8.26x (n=56)

View history

NetIncomeLoss YoY

516%

YoY:

Industry median: 5.2% (n=58)

View history

Profitability

Metric Latest value YoY change
Return On Equity 3% +505%
Return On Assets 0.32% +532%
Operating Margin 14%

Financial Health

Metric Latest value YoY change
Debt-to-equity 8.31x -4.4%

Growth

Metric Latest value YoY change
NetIncomeLoss YoY 516%

Share Metrics

Metric Latest value YoY change
Entity Common Stock, Shares Outstanding 20,710,901 -1.3%
Common Stock, Shares, Outstanding 20,710,901 -2%
Common Stock, Value, Issued $205,000 -1.9%
Weighted Average Number of Shares Outstanding, Basic 20,762,668 -1.3%
Weighted Average Number of Shares Outstanding, Diluted 20,762,668 -1.3%

Additional Metrics

Metric Latest value YoY change
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $6,144,000 +762%
Income Tax Expense (Benefit) $1,295,000 +5.8%
Earnings Per Share, Basic 0.23 +475%
Earnings Per Share, Diluted 0.23 +475%
Cash and Cash Equivalents, at Carrying Value $28,641,000 +13%
Deferred Income Tax Assets, Net $7,583,000 -20%
Property, Plant and Equipment, Net $21,406,000 -5.8%
Operating Lease, Right-of-Use Asset $3,900,000 -13%
Goodwill $27,076,000 0%
Assets $1,512,311,000 +0.24%
Contract with Customer, Liability, Current $0
Liabilities $1,348,094,000 -0.17%
Accumulated Other Comprehensive Income (Loss), Net of Tax $10,005,000 +34%
Retained Earnings (Accumulated Deficit) $122,167,000 +2.7%
Stockholders' Equity Attributable to Parent $164,217,000 +3.8%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $164,217,000 +3.8%
Liabilities and Equity $1,512,311,000 +0.24%
Debt and Equity Securities, Gain (Loss) $0
Common Stock, Shares Authorized 50,000,000 0%
Common Stock, Shares, Issued 20,710,901 -2%
Common Stock, Par or Stated Value Per Share 0.01 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $28,641,000 +13%
Operating Lease, Liability $4,101,000 -14%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $9,998,000 +224%
Lessee, Operating Lease, Liability, to be Paid $4,383,000 -13%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,002,000 -10%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,219,000 +8.4%
Operating Lease, Weighted Average Discount Rate, Percent 0.0188 +12%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $282,000 -12%
Lessee, Operating Lease, Liability, to be Paid, Year Three $787,000 -12%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 250,000 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $796,000 +16%
Operating Lease, Payments $1,208,000 -11%
Preferred Stock, Shares Outstanding 0
Amortization of Intangible Assets $95,000 -6.9%
Preferred Stock, Par or Stated Value Per Share 0.01 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY