Riverview Bancorp, Inc.

RVSB

RVSBRiverview Bancorp, Inc. US flag

NASDAQ Global Select

5.58

USD

-0.03

- -

114.75MMarket Cap

Income Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Sales/Revenue/Turnover	43	40	38	33	36	39	44	54	58	58	56	60	64	48	51
+ Sales & Services Revenue	43	40	38	33	36	39	44	54	58	58	56	60	64	48	51
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	19	18	18	18	19	19	20	23	23	24	23	25	25	26	28
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-19	-18	-18	-18	-19	-19	-20	-23	-23	-24	-23	-25	-25	-26	-28
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-6	23	-3	-4	-7	-10	-11	-18	-22	-21	-13	-28	-24	-5	-6
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-6	23	-3	-4	-7	-10	-11	-18	-22	-21	-13	-28	-24	-5	-6
Pretax Income	6	-23	3	4	7	10	11	18	22	21	13	28	24	5	6
- Income Tax Expense (Benefit)	2	8	- -	-15	2	3	3	8	5	5	3	6	6	1	1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	4	-32	3	19	4	6	7	10	17	16	10	22	18	4	5
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	4	-32	3	19	4	6	7	10	17	16	10	22	18	4	5
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	4	-32	3	19	4	6	7	10	17	16	10	22	18	4	5
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	4	-32	3	19	4	6	7	10	17	16	10	22	18	4	5
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
EBITDA Margin (%)	4.48	4.97	4.9	5.82	9.23	6.73	6.27	5.44	4.67	5.1	5.73	5.83	4.22	5.71	6.58
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	10.02	-78.18	6.87	59.57	12.62	16.48	16.91	19.1	29.69	27.11	18.7	36.14	28.32	7.86	9.69
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	0.06	0.08	0.09	0.14	0.18	0.2	0.21	0.24	0.24	0.12
Depreciation Expense	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
Basic Weighted Avg Shares	18	22	22	22	22	22	22	23	23	23	22	22	22	21	21
Basic EPS, GAAP	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.7	0.47	0.98	0.84	0.18	0.23
Basic EPS from Cont Ops	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.7	0.47	0.98	0.84	0.18	0.23
Diluted Weighted Avg Shares	18	22	22	22	22	22	23	23	23	23	22	22	22	21	21
Diluted EPS, GAAP	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23
Diluted EPS from Cont Ops	0.24	-1.42	0.12	0.87	0.2	0.28	0.33	0.45	0.76	0.69	0.47	0.98	0.83	0.18	0.23

Balance Sheet (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	52	94	166	129	197	223	276	264	202	191	482	407	234	167	43
+ Cash & Cash Equivalents	52	88	160	106	85	72	76	51	24	42	266	242	22	24	29
+ ST Investments	- -	6	6	23	112	151	200	213	178	148	216	166	211	143	14
+ Accounts & Notes Receiv	3	2	2	2	2	2	3	3	4	4	5	5	5	4	5
+ Accounts Receivable, Net	3	2	2	2	2	2	3	3	4	4	5	5	5	4	5
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-54	-96	-168	-131	-199	-225	-279	-267	-206	-194	-487	-412	-239	-171	-48
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	16	17	18	16	15	15	16	16	15	17	19	19	21	23	23
+ Property, Plant & Equip	30	32	34	33	33	33	36	36	36	37	39	38	41	44	46
- Accumulated Depreciation	14	15	16	17	18	18	19	20	20	20	19	19	20	21	23
+ LT Investments & Receivables	24	7	6	23	113	151	200	213	178	148	256	419	455	373	323
+ LT Investments	24	7	6	23	113	151	200	213	178	148	256	419	455	373	323
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-40	-24	-24	-40	-128	-165	-217	-229	-194	-165	-275	-437	-477	-396	-346
+ Total Intangible Assets	26	26	26	26	26	26	29	29	28	28	28	28	27	27	27
+ Goodwill	26	26	26	26	26	26	27	27	27	27	27	27	27	27	27
+ Other Intangible Assets	1	- -	- -	- -	- -	- -	2	1	1	1	1	1	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-66	-50	-50	-66	-154	-191	-245	-258	-222	-193	-303	-465	-504	-423	-373
Total Assets	859	856	777	825	859	921	1,134	1,152	1,157	1,181	1,549	1,740	1,590	1,522	1,513
+ Payables & Accruals	9	9	8	10	8	7	13	9	13	12	22	19	16	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	9	9	8	10	8	7	13	9	13	12	22	19	16	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-9	-9	-8	-10	-8	-7	-13	-9	-13	-12	-22	-19	-16	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-9	-9	-8	-10	-8	-7	-13	-9	-13	-12	-22	-19	-16	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	25	25	25	25	25	25	29	29	86	29	29	29	153	117	106
+ LT Borrowings	23	23	23	23	23	23	26	26	83	27	27	27	151	115	103
+ LT Finance Leases	3	3	2	2	2	2	2	2	2	2	2	2	2	2	2
+ Other LT Liabilities	-25	-25	-25	-25	-25	-25	-29	-29	-86	-29	-29	-29	-153	-117	-106
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-25	-25	-25	-25	-25	-25	-29	-29	-86	-29	-29	-29	-153	-117	-106
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	752	780	698	726	754	813	1,023	1,035	1,024	1,032	1,398	1,583	1,434	1,366	1,353
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	66	66	66	65	65	65	65	65	65	65	64	62	56	55	54
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	66	66	66	65	65	64	64	65	65	65	64	62	56	55	53
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	43	12	14	34	38	43	48	57	70	82	88	105	118	116	120
+ Other Equity	-1	-1	-1	-1	1	1	-2	-5	-3	2	- -	-10	-18	-16	-13
Equity Before Minority Interest	107	76	78	98	104	108	111	117	133	149	152	157	155	156	160
+ Minority/Non Controlling Interest	- -	1	1	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	107	76	79	98	104	108	111	117	133	149	152	157	155	156	160
Total Liabilities & Equity	859	856	777	825	859	921	1,134	1,152	1,157	1,181	1,549	1,740	1,590	1,522	1,513
Shares Outstanding	22	22	22	22	22	23	23	23	23	23	22	22	21	21	21
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	3	3	2	2	2	2	2	2	2	2	2	2	2	2	2
Net Debt	-29	-65	-137	-83	-62	-49	-49	-24	59	-16	-239	-215	128	92	74
Net Debt to Equity	-27.07	-85.6	-173.79	-84.13	-59.37	-45.71	-44.28	-20.74	44.67	-10.45	-157.6	-136.62	82.7	58.92	46.29
Tangible Common Equity Ratio	9.75	6.04	7.06	9.08	9.41	9.2	7.46	7.87	9.29	10.48	8.14	7.57	8.18	8.58	8.93
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API Chat

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
+ Net Income	4	-32	3	19	4	6	7	10	17	16	10	22	18	4	5
+ Depreciation & Amortization	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
+ Non-Cash Items	7	42	4	-17	1	3	3	3	-2	1	7	-8	- -	2	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	2	9	- -	-15	2	3	3	4	- -	-1	-1	1	- -	- -	- -
+ Asset Impairment Charge	1	4	5	2	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	4	29	-1	-4	-2	- -	- -	-1	-2	1	9	-9	- -	2	-1
+ Chg in Non-Cash Work Cap	5	- -	2	3	-3	-1	5	-5	2	-4	3	-1	-7	4	- -
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -	-2	1	- -	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	2	-1	3	- -	- -	- -	- -	- -	-1	3	- -	1	-4	3	1
+ Inc (Dec) in Accts Payable	3	- -	-1	3	-2	-1	6	-4	3	-6	4	-3	-4	1	-1
+ Inc (Dec) in Other	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	18	12	11	7	6	11	18	12	20	16	24	16	14	13	8
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	5	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	5	9	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-3	-2	-1	- -	- -	-1	-1	-1	-3	-4	-3	-5	-6	-3
+ Acq of Fixed Prod Assets	-1	-3	-2	-1	- -	- -	-1	-1	-1	-3	-4	-3	-5	-6	-3
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	19	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	-2	-7	-1	-2
+ Increase in Capital Stock	19	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	-2	-7	-1	-2
+ Net Change in LT Investment	- -	- -	1	-95	-9	-39	-55	-18	37	35	-112	-178	-48	82	54
+ Dec in LT Investment	10	5	6	7	43	22	37	30	37	53	48	47	34	82	54
+ Inc in LT Investment	-10	-5	-5	-102	-52	-61	-92	-47	- -	-18	-160	-225	-82	- -	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	15	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	15	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	1	-52	140	17	-36	-31	-36	-27	-60	-33	-35	-41	-23	-13	-38
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	6	-45	139	-78	-46	-71	-77	-46	-25	-1	-150	-222	-76	64	13
+ Dividends Paid	- -	- -	- -	- -	- -	-1	-2	-2	-3	-4	-4	-5	-5	-5	-3
+ Net Cash From Debt	-190	-5	- -	- -	- -	- -	- -	- -	57	-57	- -	- -	124	-36	-12
+ Cash From Debt	124	5	9	3	25	4	23	56	327	225	31	2	200	605	613
+ Repayments of Debt	-315	-10	-9	-3	-26	-4	-23	-56	-270	-282	-31	-2	-76	-641	-625
+ Other Financing Activities	186	33	-80	25	31	58	70	16	-70	66	355	188	-269	-34	1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	14	28	-80	25	31	56	68	14	-17	4	350	181	-157	-75	-16
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	38	-5	69	-47	-10	-3	9	-20	-22	19	223	-24	-219	2	6
EBITDA	2	2	2	2	3	3	3	3	3	3	3	4	3	3	3
EBITDA Margin (%)	4.48	4.97	4.9	5.82	9.23	6.73	6.27	5.44	4.67	5.1	5.73	5.83	4.22	5.71	6.58
Free Cash Flow	17	9	9	6	5	11	17	11	19	13	21	13	9	7	6
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	-15	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	17	- -	9	- -	5	11	17	11	19	13	21	13	9	7	6
Free Cash Flow to Equity	-168	14	9	6	5	11	17	11	76	-44	21	13	132	-28	-6
Free Cash Flow per Basic Share	0.92	0.42	0.4	0.25	0.23	0.48	0.78	0.5	0.85	0.57	0.92	0.59	0.4	0.34	0.26
Price/Free Cash Flow	2.87	3.46	4.49	10.42	16.75	8.26	8.64	16.64	7.81	6.03	5.58	8.51	6.23	5.43	10.84
Cash Flow to Net Income	4.2	-0.38	4.18	0.34	1.24	1.74	2.44	1.17	1.17	1.01	2.31	0.75	0.75	3.36	1.69
Capital Expenditures	-1	-3	-2	-1	- -	- -	-1	-1	-1	-3	-4	-3	-5	-6	-3