RVSB
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Pulls against a bullish reading. Current ratio 0.10 · operating margin -9.0%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 10 115 titres (~55 553,32 $ US)
- Insiders
- Sherman NicoleGraham StaceyWills Bessie RossZamanizadeh Kourosh NasserCarlson Bradley
- Total bought
-
$55,553
Avg buy (VWAP, 90d window) $5.41 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-09-17
- Last synced
-
2026-09-23 09:55:05
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-17 | Lightheart Charmaine | Buy | 100 | $5.68 | $568 | Form 4 |
| 2026-09-17 | Sherman Nicole | Buy | 1,765 | $5.69 | $10,043 | Form 4 |
| 2026-09-16 | Graham Stacey | Buy | 1,750 | $5.70 | $9,975 | Form 4 |
| 2026-09-15 | Wills Bessie Ross | Buy | 2,000 | $5.58 | $11,170 | Form 4 |
| 2026-09-14 | Zamanizadeh Kourosh Nasser | Buy | 1,800 | $5.39 | $9,711 | Form 4 |
| 2026-08-20 | Benke Robert | Buy | 1,000 | $5.05 | $5,050 | Form 4 |
| 2026-08-18 | Carlson Bradley | Buy | 1,000 | $5.07 | $5,070 | Form 4 |
| 2026-08-17 | Lam David | Buy | 1,000 | $5.17 | $5,170 | Form 4 |
| 2026-08-12 | Lightheart Charmaine | Buy | 250 | $5.31 | $1,327 | Form 4 |
| 2026-08-03 | Girod Jon Louis | Buy | 1,000 | $5.41 | $5,408 | Form 4 |
| 2026-07-31 | Girod Jon Louis | Buy | 2,000 | $5.24 | $10,478 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-17
Despite a meaningful insider cluster buy signal and a $4M repurchase program suggesting some management confidence, RVSB's financial foundation is critically impaired — with a liquidity ratio of 0.097, negative interest…
The first sentence of the analysis written for RVSB on 2026-09-17 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 64.6% | 69.0% | 72.4% | 92.9% | 103.9% | |
| Ebit Margin | -9.0% | 8.5% | 6.9% | 34.9% | 45.2% | |
| Ebitda Margin | -3.8% | 13.1% | 11.0% | 38.9% | 50.8% | |
| Operating Profit Margin | -9.0% | 8.5% | 6.9% | 34.9% | 45.2% | |
| Pretax Profit Margin | -9.0% | 8.5% | 6.9% | 34.9% | 45.2% | |
| Continuous Operations Profit Margin | -6.7% | 6.7% | 5.7% | 26.6% | 34.9% | |
| Net Profit Margin | -6.7% | 6.7% | 5.7% | 26.6% | 34.9% | |
| Bottom Line Profit Margin | -6.7% | 6.7% | 5.7% | 26.6% | 34.9% | |
| Current Ratio | 0.097 | 0.039 | 0.139 | 0.199 | 0.273 | |
| Quick Ratio | 0.097 | 0.039 | 0.139 | 0.199 | 0.273 | |
| Solvency Ratio | -0.001 | 0.006 | 0.005 | 0.014 | 0.016 | |
| Cash Ratio | 0.093 | 0.024 | 0.019 | 0.017 | 0.156 | |
| Price To Earnings Ratio | -26.190 | 24.565 | 26.056 | 6.357 | 7.704 | |
| Price To Earnings Growth Ratio | 0.137 | 0.884 | -0.332 | -0.445 | 0.071 | |
| Forward Price To Earnings Growth Ratio | 0.137 | 0.884 | -0.332 | -0.445 | 0.071 | |
| Price To Earnings Diluted Ratio | -26.190 | 24.565 | 26.056 | 6.434 | 7.704 | |
| Price To Earnings Diluted Growth Ratio | 0.137 | 0.884 | -0.333 | -0.420 | 0.071 | |
| Price To Book Ratio | 0.787 | 0.744 | 0.637 | 0.744 | 1.067 | |
| Price To Sales Ratio | 1.770 | 1.625 | 1.484 | 1.703 | 2.680 | |
| Price To Free Cash Flow Ratio | 10.186 | 21.416 | 13.881 | 13.419 | 12.697 | |
| Price To Operating Cash Flow Ratio | 9.518 | 14.390 | 7.773 | 8.512 | 10.187 | |
| Debt To Assets Ratio | 0.031 | 0.070 | 0.077 | 0.096 | 0.017 | |
| Debt To Equity Ratio | 0.311 | 0.660 | 0.755 | 0.985 | 0.185 | |
| Debt To Capital Ratio | 0.237 | 0.398 | 0.430 | 0.496 | 0.156 | |
| Long Term Debt To Capital Ratio | 0.229 | 0.393 | 0.426 | 0.493 | 0.146 | |
| Financial Leverage Ratio | 10.051 | 9.457 | 9.779 | 10.240 | 11.066 | |
| Working Capital Turnover Ratio | -0.056 | -0.065 | -0.064 | -0.063 | -0.063 | |
| Operating Cash Flow Ratio | 0.010 | 0.007 | 0.010 | 0.011 | 0.011 | |
| Operating Cash Flow Sales Ratio | 0.186 | 0.113 | 0.191 | 0.200 | 0.263 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.934 | 0.672 | 0.560 | 0.634 | 0.802 | |
| Debt Service Coverage Ratio | -0.043 | 0.364 | 0.355 | 5.114 | 11.519 | |
| Interest Coverage Ratio | -0.269 | 0.276 | 0.249 | 5.832 | 12.853 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.266 | 0.078 | 0.109 | 0.089 | 0.565 | |
| Capital Expenditure Coverage Ratio | 15.262 | 3.048 | 2.273 | 2.735 | 5.059 | |
| Dividend Paid And Capex Coverage Ratio | 4.897 | 1.576 | 1.193 | 1.347 | 2.078 | |
| Dividend Payout Ratio | -0.385 | 0.517 | 1.337 | 0.283 | 0.214 | |
| Enterprise Value Multiple | -17.681 | 20.406 | 26.212 | 9.334 | -1.410 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 64.6% | ▼-4.4% | ▼-15.9% |
| Ebit Margin | -9.0% | ▼-17.5% | ▼-26.3% |
| Ebitda Margin | -3.8% | ▼-16.8% | ▼-25.8% |
| Operating Profit Margin | -9.0% | ▼-17.5% | ▼-26.3% |
| Pretax Profit Margin | -9.0% | ▼-17.5% | ▼-26.3% |
| Continuous Operations Profit Margin | -6.7% | ▼-13.4% | ▼-20.1% |
| Net Profit Margin | -6.7% | ▼-13.4% | ▼-20.1% |
| Bottom Line Profit Margin | -6.7% | ▼-13.4% | ▼-20.1% |
| Current Ratio | 0.097 | ▲0.059 | ▼-0.052 |
| Quick Ratio | 0.097 | ▲0.059 | ▼-0.052 |
| Solvency Ratio | -0.001 | ▼-0.007 | ▼-0.009 |
| Cash Ratio | 0.093 | ▲0.069 | ▲0.031 |
| Price To Earnings Ratio | -26.191 | ▼-50.756 | ▼-33.889 |
| Price To Earnings Growth Ratio | 0.137 | ▼-0.747 | ▲0.074 |
| Forward Price To Earnings Growth Ratio | 0.137 | ▼-0.747 | ▲0.074 |
| Price To Earnings Diluted Ratio | -26.191 | ▼-50.756 | ▼-33.904 |
| Price To Earnings Diluted Growth Ratio | 0.137 | ▼-0.747 | ▲0.069 |
| Price To Book Ratio | 0.787 | ▲0.043 | ▼-0.009 |
| Price To Sales Ratio | 1.770 | ▲0.145 | ▼-0.082 |
| Price To Free Cash Flow Ratio | 10.186 | ▼-11.230 | ▼-4.134 |
| Price To Operating Cash Flow Ratio | 9.518 | ▼-4.872 | ▼-0.558 |
| Debt To Assets Ratio | 0.031 | ▼-0.039 | ▼-0.027 |
| Debt To Equity Ratio | 0.311 | ▼-0.349 | ▼-0.268 |
| Debt To Capital Ratio | 0.237 | ▼-0.160 | ▼-0.106 |
| Long Term Debt To Capital Ratio | 0.229 | ▼-0.164 | ▼-0.108 |
| Financial Leverage Ratio | 10.051 | ▲0.594 | ▼-0.068 |
| Working Capital Turnover Ratio | -0.056 | ▲0.009 | ▲0.006 |
| Operating Cash Flow Ratio | 0.010 | ▲0.003 | 0.000 |
| Operating Cash Flow Sales Ratio | 0.186 | ▲0.073 | ▼-0.005 |
| Free Cash Flow Operating Cash Flow Ratio | 0.934 | ▲0.263 | ▲0.214 |
| Debt Service Coverage Ratio | -0.043 | ▼-0.407 | ▼-3.505 |
| Interest Coverage Ratio | -0.269 | ▼-0.545 | ▼-4.058 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.266 | ▲0.188 | ▲0.044 |
| Capital Expenditure Coverage Ratio | 15.262 | ▲12.214 | ▲9.587 |
| Dividend Paid And Capex Coverage Ratio | 4.897 | ▲3.321 | ▲2.679 |
| Dividend Payout Ratio | -0.385 | ▼-0.901 | ▼-0.778 |
| Enterprise Value Multiple | -17.681 | ▼-38.087 | ▼-25.053 |
Key metrics
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|---|
| Market cap | $114.6M | $119.0M | $99.1M | $115.5M | $167.7M | |
| Enterprise value | $43.1M | $195.2M | $193.0M | $246.2M | -$44.8M | |
| EV / Sales | 0.67x | 2.67x | 2.89x | 3.63x | -0.72x | |
| EV / Op. cash flow | 3.58x | 23.60x | 15.13x | 18.13x | -2.72x | |
| EV / Free cash flow | 3.83x | 35.12x | 27.02x | 28.59x | -3.40x | |
| EV / EBITDA | -17.68x | 20.41x | 26.21x | 9.33x | -1.41x | |
| Net debt / EBITDA | 29.39x | 7.96x | 12.75x | 4.95x | -6.68x | |
| Current ratio | 0.10x | 0.04x | 0.14x | 0.20x | 0.27x | |
| Income quality | -2.77x | 1.69x | 3.36x | 0.75x | 0.75x | |
| Graham number | — | $6 | $5 | $12 | $13 | |
| Graham net-net | -$57 | -$62 | -$57 | -$55 | -$53 | |
| Tax burden | 74.4% | 78.6% | 82.6% | 76.3% | 77.2% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.13B | -$1.18B | -$1.06B | -$1.03B | -$1.13B | |
| Invested capital | -$1.08B | -$1.13B | -$1.01B | -$977.6M | -$1.08B | |
| Return on assets | -0.3% | 0.3% | 0.2% | 1.1% | 1.3% | |
| Operating ROA | -0.4% | 0.4% | 0.3% | 1.4% | 1.7% | |
| Return on tangible assets | -0.3% | 0.3% | 0.3% | 1.2% | 1.3% | |
| Return on equity | -3.0% | 3.1% | 2.4% | 11.6% | 13.9% | |
| Return on invested capital | -2.1% | 1.7% | 1.3% | 5.9% | 11.7% | |
| Return on capital employed | -2.8% | 2.2% | 1.6% | 7.7% | 15.1% | |
| Earnings yield | -3.8% | 4.1% | 3.8% | 15.6% | 13.0% | |
| Free cash flow yield | 9.8% | 4.7% | 7.2% | 7.5% | 7.9% | |
| Capex / Op. cash flow | 6.6% | 32.8% | 44.0% | 36.6% | 19.8% | |
| Capex / Depreciation | 23.2% | 81.5% | 203.3% | 184.3% | 92.4% | |
| Capex / Sales | 1.2% | 3.7% | 8.4% | 7.3% | 5.2% | |
| SG&A / Sales | 47.2% | 38.3% | 39.2% | 37.5% | 39.5% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.7% | 0.5% | 0.1% | 0.6% | 0.5% | |
| Intangibles / Total assets | 1.9% | 1.8% | 1.8% | 1.7% | 1.6% | |
| Days sales outstanding | 23d | 23d | 24d | 26d | 27d | |
| Days payables outstanding | 0d | 0d | 0d | 1194d | -2905d | |
| Operating cycle | 23d | 23d | 24d | 26d | 27d | |
| Cash conversion cycle | 23d | 23d | 24d | -1168d | 2932d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-3.7%EV / Sales ▼-75.1%EV / EBITDA ▼-186.6%EV / Op. cash flow ▼-20.026Earnings yield ▼-0.079
Profitability
Return on equity ▼-0.060Return on assets ▼-0.006Return on invested capital ▼-0.038Return on capital employed ▼-0.050Operating ROA ▼-0.008Income quality ▼-4.461Tax burden ▼-0.042
Efficiency
Days sales outstanding ▲+0.743Days payables outstanding n/aOperating cycle ▲+0.743Cash conversion cycle ▲+0.743Capex / Sales ▼-0.025R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.058Net debt / EBITDA ▲+21.427Working capital ▲+52317000.000Invested capital ▲+50760000.000Intangibles / Total assets ▲+0.001
Change over 5 years
Valuation
Market cap ▼-31.7%EV / Sales ▲+192.8%EV / EBITDA ▼-1153.5%EV / Op. cash flow ▲+6.299Earnings yield ▼-0.168
Profitability
Return on equity ▼-0.169Return on assets ▼-0.016Return on invested capital ▼-0.137Return on capital employed ▼-0.179Operating ROA ▼-0.021Income quality ▼-3.529Tax burden ▼-0.028
Efficiency
Days sales outstanding ▼-3.826Days payables outstanding ▲+2904.647Operating cycle ▼-3.826Cash conversion cycle ▼-2908.473Capex / Sales ▼-0.040R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.176Net debt / EBITDA ▲+36.076Working capital ▼-3360000.000Invested capital ▼-367000.000Intangibles / Total assets ▲+0.003
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-08-31 Riverview Bancorp Shareholders Back Directors, Pay Plan and 2026 Stock Purchase Plan Riverview Bancorp NASDAQ: RVSB shareholders approved all three proposals presented at the company''s 29th annual meeting, including the election of four directors, an advisory vote on executive compensation and the adoption of the company''s 2026 Stock Purchase Plan.
- 2026-08-26 Riverview Bancorp, Inc. Announces $4.0 Million Stock Repurchase Program VANCOUVER, Wash., Aug. 26, 2026 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) headquartered in Vancouver, WA, the holding company parent of Riverview Bank, announced that on August 20, 2026, its Board of Directors adopted a stock repurchase program.
- 2026-07-28 Riverview Bancorp (RVSB) Q1 Earnings and Revenues Top Estimates Riverview Bancorp (RVSB) came out with quarterly earnings of $0.08 per share, beating the Zacks Consensus Estimate of $0.07 per share. This compares to earnings of $0.06 per share a year ago.
- 2026-06-26 Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash. , June 26, 2026 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) ("Riverview" or the "Company") today announced that on June 25, 2026, its Board of Directors approved a quarterly cash dividend of $0. 02 per share which remained unchanged compared to the preceding quarter.
- 2026-06-26 Riverview Bancorp Declares Quarterly Cash Dividend of $0.02 Per Share VANCOUVER, Wash., June 26, 2026 (GLOBE NEWSWIRE) -- Riverview Bancorp, Inc. (Nasdaq GSM: RVSB) (“Riverview” or the “Company”) today announced that on June 25, 2026, its Board of Directors approved a quarterly cash dividend of $0.02 per share which remained unchanged compared to the preceding quarter. The dividend is payable on July 21, 2026, to shareholders of record as of July 9, 2026.