Riverview Bancorp (RVSB) Ratios

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Riverview Bancorp Ratios

RVSB's free cash flow for Q3 2026 was $0.72. For the 2026 fiscal year, RVSB's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.

Ratios	TTM	Mar 25	Mar 24	Mar 23	Mar 22
Liquidity Ratios
Current Ratio	0.00	0.04	0.14	0.20	0.27
Quick Ratio	0.00	0.04	0.14	0.20	0.27
Cash Ratio	0.00	0.02	0.02	0.02	0.16
Solvency Ratio	>-0.01	<0.01	<0.01	0.01	0.02
Operating Cash Flow Ratio	0.00	<0.01	0.01	0.01	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -1.20B	$ -1.31B	$ -1.19B	$ -1.18B	$ -1.16B
Leverage Ratios
Debt-to-Assets Ratio	0.03	0.07	0.08	0.10	0.02
Debt-to-Equity Ratio	0.31	0.66	0.76	0.98	0.19
Debt-to-Capital Ratio	0.24	0.40	0.43	0.50	0.16
Long-Term Debt-to-Capital Ratio	0.23	0.39	0.43	0.49	0.15
Financial Leverage Ratio	10.05	9.46	9.78	10.24	11.07
Debt Service Coverage Ratio	-0.12	0.36	0.36	5.11	11.52
Interest Coverage Ratio	-0.27	0.28	0.25	5.83	12.85
Debt to Market Cap	0.38	0.86	1.16	1.30	0.16
Interest Debt Per Share	3.24	6.01	6.43	7.25	1.41
Net Debt to EBITDA	17.35	7.96	12.75	4.95	-6.68
Profitability Margins
Gross Profit Margin	64.61%	68.97%	72.35%	92.91%	103.88%
EBIT Margin	-9.01%	8.52%	6.89%	34.89%	45.19%
EBITDA Margin	-6.37%	13.06%	11.02%	38.86%	50.82%
Operating Profit Margin	-9.01%	8.52%	6.89%	34.89%	45.19%
Pretax Profit Margin	-9.01%	8.52%	6.89%	34.89%	45.19%
Net Profit Margin	-6.70%	6.70%	5.69%	26.63%	34.87%
Continuous Operations Profit Margin	-6.70%	6.70%	5.69%	26.63%	34.87%
Net Income Per EBT	74.41%	78.60%	82.57%	76.31%	77.17%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-0.30%	0.32%	0.25%	1.14%	1.25%
Return on Equity (ROE)	-2.73%	3.06%	2.44%	11.64%	13.88%
Return on Capital Employed (ROCE)	-0.40%	2.22%	1.59%	7.67%	15.13%
Return on Invested Capital (ROIC)	-2.55%	1.74%	1.31%	5.85%	11.67%
Return on Tangible Assets	-0.30%	0.33%	0.25%	1.16%	1.27%
Earnings Yield	-3.83%	4.07%	3.83%	15.64%	13.01%
Efficiency Ratios
Receivables Turnover	15.67	16.18	15.13	14.17	13.46
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.95	3.13	2.91	3.17	3.38
Asset Turnover	0.04	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-14.10	-0.07	-0.06	-0.06	-0.06
Cash Conversion Cycle	23.30	22.56	24.12	25.76	27.13
Days of Sales Outstanding	23.30	22.56	24.12	25.76	27.13
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	23.30	22.56	24.12	25.76	27.13
Cash Flow Ratios
Operating Cash Flow Per Share	0.75	0.39	0.60	0.63	0.74
Free Cash Flow Per Share	0.71	0.26	0.34	0.40	0.59
CapEx Per Share	0.04	0.13	0.27	0.23	0.15
Free Cash Flow to Operating Cash Flow	0.95	0.67	0.56	0.63	0.80
Dividend Paid and CapEx Coverage Ratio	6.24	1.58	1.19	1.35	2.08
Capital Expenditure Coverage Ratio	19.49	3.05	2.27	2.73	5.06
Operating Cash Flow Coverage Ratio	0.34	0.08	0.11	0.09	0.57
Operating Cash Flow to Sales Ratio	0.24	0.11	0.19	0.20	0.26
Free Cash Flow Yield	12.86%	4.61%	7.20%	7.45%	7.88%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-25.95	24.56	26.10	6.39	7.69
Price-to-Sales (P/S) Ratio	1.74	1.64	1.48	1.70	2.68
Price-to-Book (P/B) Ratio	0.77	0.75	0.64	0.74	1.07
Price-to-Free Cash Flow (P/FCF) Ratio	7.72	21.67	13.88	13.42	12.70
Price-to-Operating Cash Flow Ratio	7.31	14.56	7.77	8.51	10.19
Price-to-Earnings Growth (PEG) Ratio	0.14	0.88	-0.33	-0.45	0.07
Price-to-Fair Value	0.77	0.75	0.64	0.74	1.07
Enterprise Value Multiple	-10.01	20.56	26.21	9.33	-1.41
Enterprise Value	42.14M	196.62M	192.97M	246.15M	-44.85M
EV to EBITDA	-10.21	20.56	26.21	9.33	-1.41
EV to Sales	0.65	2.69	2.89	3.63	-0.72
EV to Free Cash Flow	2.88	35.38	27.02	28.59	-3.40
EV to Operating Cash Flow	2.73	23.77	15.13	18.13	-2.72
Tangible Book Value Per Share	5.73	6.23	6.07	5.91	5.84
Shareholders’ Equity Per Share	7.05	7.51	7.36	7.17	7.08
Tax and Other Ratios
Effective Tax Rate	0.26	0.21	0.17	0.24	0.23
Revenue Per Share	3.13	3.43	3.16	3.14	2.82
Net Income Per Share	-0.21	0.23	0.18	0.84	0.98
Tax Burden	0.74	0.79	0.83	0.76	0.77
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.38	0.37	0.36	0.38
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	3.18	1.69	3.36	0.75	0.75

Currency in USD