Riverview Bancorp, Inc. (RVSB) Income Statement
RVSB FY2026 at a glance
Fiscal year ended March 31, 2026 · U.S. dollarsRVSB revenue and net income
Where RVSB's revenue goes
FY2026Each bar shows an amount and its share of revenue. RVSB kept −6.7% of revenue as net income.
RVSB profit margins
RVSB growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −11.6% | −1.6% | +1.7% | +4.8% |
| Gross profit | −17.2% | −12.8% | −3.4% | +0.5% |
| Operating income | −193.5% | — | — | — |
| Net income | −188.5% | — | — | — |
| EPS (diluted) | −8.7% | −36.8% | −14.5% | −2.8% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
RVSB quarterly EPS vs estimates
Riverview Bancorp beat the analyst EPS estimate in 6 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.07).
RVSB income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $64.7M | $73.2M | $66.8M | $67.9M | $62.6M | $59.4M | $62.9M | $61.0M | $56.0M | $45.6M |
| Cost of revenue | $22.9M | $22.7M | $18.5M | $4.8M | −$2.4M | $9.7M | $6.0M | $2.9M | $2.3M | $1.9M |
| Gross profit | $41.8M | $50.5M | $48.3M | $63.0M | $65.0M | $49.7M | $56.8M | $58.1M | $53.6M | $43.8M |
| Research & development | — | — | — | — | — | — | — | — | $0 | $0 |
| Sales, general & admin | $30.5M | $28.1M | $26.2M | $25.4M | $24.7M | $23.4M | $23.7M | $23.4M | $23.0M | $20.5M |
| Total operating expenses | $47.7M | $44.3M | $43.7M | $39.4M | $36.7M | $36.3M | $36.3M | $35.7M | $35.6M | $33.0M |
| Operating income | −$5.8M | $6.2M | $4.6M | $23.7M | $28.3M | $13.5M | $20.6M | $22.4M | $18.0M | $10.8M |
| Interest income | $62.0M | $59.0M | $56.6M | $55.7M | $49.8M | $48.3M | $50.5M | $49.1M | $45.0M | $35.6M |
| Interest expense | $21.7M | $22.6M | $18.5M | $4.1M | $2.2M | $3.4M | $4.8M | $2.8M | $2.3M | $1.9M |
| Income before taxes | −$5.8M | $6.2M | $4.6M | $23.7M | $28.3M | $13.5M | $20.6M | $22.4M | $18.0M | $10.8M |
| Income taxes | −$1.5M | $1.3M | $802,000 | $5.6M | $6.5M | $3.0M | $4.8M | $5.1M | $7.8M | $3.4M |
| Net income | −$4.3M | $4.9M | $3.8M | $18.1M | $21.8M | $10.5M | $15.7M | $17.3M | $10.2M | $7.4M |
| EBITDA | −$2.4M | $9.6M | $7.4M | $26.4M | $31.8M | $16.7M | $23.5M | $25.1M | $20.9M | $13.5M |
| EPS (diluted) | $0.21 | $0.23 | $0.36 | $0.83 | $0.99 | $0.46 | $0.69 | $0.77 | $0.54 | $0.34 |
| Gross margin | 64.6% | 69.0% | 72.4% | 92.9% | 103.9% | 83.6% | 90.4% | 95.3% | 95.8% | 95.9% |
| Operating margin | −9.0% | 8.5% | 6.9% | 34.9% | 45.2% | 22.6% | 32.7% | 36.8% | 32.2% | 23.6% |
| Net margin | −6.7% | 6.7% | 5.7% | 26.6% | 34.9% | 17.6% | 25.1% | 28.3% | 18.3% | 16.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $15.1M | $7.3M | $19.5M | $19.2M | $18.8M | $18.2M | $18.5M | $18.8M | $17.8M | $14.8M | $17.3M | $17.4M |
| Cost of revenue | $0 | $6.3M | $5.5M | $5.6M | $5.5M | $5.3M | $5.7M | $6.1M | $5.6M | $5.7M | $4.9M | $4.2M |
| Gross profit | $15.1M | $992,000 | $13.9M | $13.6M | $13.3M | $12.9M | $12.7M | $12.7M | $12.2M | $9.0M | $12.4M | $13.3M |
| Sales, general & admin | $12.2M | $7.3M | $668,000 | $7.8M | $653,000 | $7.2M | $7.0M | $7.0M | $6.9M | $6.7M | $6.6M | $6.4M |
| Total operating expenses | $12.9M | $11.5M | $12.2M | $12.2M | $11.7M | $11.4M | $11.2M | $10.7M | $11.0M | $13.1M | $10.6M | $10.1M |
| Operating income | $2.1M | −$10.5M | $1.7M | $1.4M | $1.5M | $1.5M | $1.6M | $2.0M | $1.2M | −$4.1M | $1.8M | $3.2M |
| Interest income | $16.4M | $15.3M | $16.0M | $15.4M | $15.4M | $14.5M | $15.1M | $14.9M | $14.4M | $14.3M | $14.3M | $14.0M |
| Interest expense | $5.0M | $5.1M | $5.4M | $5.6M | $5.5M | $5.3M | $5.7M | $6.0M | $5.6M | $5.7M | $4.9M | $4.2M |
| Income before taxes | $2.1M | −$10.5M | $1.7M | $1.4M | $1.5M | $1.5M | $1.6M | $2.0M | $1.2M | −$4.1M | $1.8M | $3.2M |
| Income taxes | $435,000 | −$2.5M | $363,000 | $296,000 | $322,000 | $314,000 | $343,000 | $425,000 | $253,000 | −$1.1M | $377,000 | $697,000 |
| Net income | $1.7M | −$8.0M | $1.4M | $1.1M | $1.2M | $1.1M | $1.2M | $1.6M | $966,000 | −$3.0M | $1.5M | $2.5M |
| EBITDA | $2.1M | −$9.7M | $2.6M | $2.2M | $2.4M | $2.3M | $2.4M | $2.8M | $2.0M | −$3.2M | $2.5M | $3.8M |
| EPS (diluted) | $0.08 | $0.03 | $0.07 | $0.05 | $0.06 | $0.05 | $0.06 | $0.07 | $0.05 | $0.04 | $0.07 | $0.12 |
| Gross margin | 100.0% | 13.7% | 71.6% | 70.9% | 70.6% | 70.9% | 68.9% | 67.5% | 68.6% | 61.2% | 71.4% | 76.0% |
| Operating margin | 14.1% | −144.9% | 8.9% | 7.3% | 8.2% | 8.0% | 8.5% | 10.6% | 6.9% | −27.5% | 10.6% | 18.2% |
| Net margin | 11.3% | −110.8% | 7.1% | 5.7% | 6.5% | 6.3% | 6.7% | 8.3% | 5.4% | −20.1% | 8.4% | 14.2% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in RVSB's financial statements (latest annual report filed June 12, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
RVSB financial results
In fiscal year 2026 (ended March 31, 2026), Riverview Bancorp reported revenue of $64.7 million, down 11.6% from the year before. It had a net loss of $4.3 million, a net profit margin of −6.7%. Diluted earnings per share came to $0.21. Over five years revenue grew at an average rate of 1.7% a year.
See the RVSB stock overview for the latest quote and news, or the RVSB chart for price history and technical indicators.
RVSB income statement FAQ
What is Riverview Bancorp's annual revenue?
Riverview Bancorp reported total revenue of $64.7 million for fiscal year 2026, which ended on March 31, 2026. That was down 11.6% from $73.2 million the previous year.
Is Riverview Bancorp profitable?
No. Riverview Bancorp reported a net loss of $4.3 million in fiscal 2026, a net profit margin of −6.7%; its operating margin was −9.0%.
What is Riverview Bancorp's gross margin?
Riverview Bancorp's gross margin was 64.6% in fiscal 2026: for every $100 of revenue, Riverview Bancorp kept $65 after the direct cost of its products and services.
How fast is Riverview Bancorp growing?
Revenue grew 1.7% a year on average over the last five fiscal years, from $59.4 million to $64.7 million.
What are Riverview Bancorp's earnings per share?
Riverview Bancorp earned $0.21 per diluted share in fiscal 2026, compared with $0.23 a year earlier.
When will Riverview Bancorp report its next earnings?
Riverview Bancorp is expected to report results for the quarter ending September 30, 2026 on October 27, 2026 after the market closes.
When does Riverview Bancorp's fiscal year end?
Riverview Bancorp's fiscal year ends in March. The latest annual report covers the year ended March 31, 2026 and was filed on June 12, 2026.