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Stock Ratings / Financials / RVSB
SFBC (65) PROV (64) BYFC (37) MGYR (73) ⌘ Pro Terminal →

Riverview Bancorp Inc (RVSB) — RQD Stock Rating Cockpit

$6.08 +1.17% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $6.08

Riverview Bancorp Inc (RVSB) carries a Roarable Rating of D+ (Sell) with 58/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $121.2M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RVSB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RVSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Riverview Bancorp Inc (NASDAQ: RVSB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $6.08 (+1.17% 1D, market cap $121.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, RVSB ranks #469 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RVSB compare to SFBC and PROV in the Financials sector?
▼

Within the Financials sector (Savings Institutions), RVSB carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.6%. By comparison, SFBC (Sound Financial Bancorp Inc.) holds a C grade (65/100 RQD, P/E 16.1x, ROIC 6.5%, cap $115.6M) and PROV (Provident Financial Holdings Inc.) posts a C grade (64/100 RQD, P/E 18.0x, ROIC 4.9%, cap $112.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RVSB?
▼

Per RVSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001041368), Riverview Bancorp Inc generated $635.2M in revenue (+0.2% YoY), -$4.3M in net income, and $12.0M in free cash flow against $1.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $6.08 (+0.02%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 58/100 (D+) historically posted market-perform odds over rolling 90-day windows (+0.0% avg 90D alpha vs SPY • 52.7% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510058
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk C-
Cash (11)Whales (13)SEC (10)Macro (14)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE+0% Base Target
$7 Bull$6 Base$5 Bear
📬 FREE RVSB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RVSB)Realized 20D OHLCV Swing Band: ±3.8%
Deterministic 5-Pillar Attribution (58/100 Composite)
🔍 WHY RVSB SCORES 58/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (24% of score)

FRED Regime × Technicals: 90% of 52W Range • RSI-14 at 55.8 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+13/20 pts (22% of score)

20D Institutional Volume Accumulation (±3.8% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
50
Grade C-$6.02+0% Next Q
Q2 (-2Q)
53
Grade C-$6.02+0.7% Next Q
Q3 (-1Q)
55
Grade C$6.06+0.3% Next Q
Current
58
Grade D+$6.08+0% Hist 90D α
Trajectory: C- (50) → D+ (58)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RVSB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 58/100 (D+) score, RVSB faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($5.76) or 200D SMA ($5.49) invalidates the momentum regime and cuts Target Base ($6.08) toward Bear Floor ($4.74).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RVSB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “RVSB Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”
YES 58%NO 42%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
55.830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
3 / 99-Pt Accounting
52-WEEK LASER RANGE90% OF RANGE
L: $5$6.08H: $6
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 23 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on RVSB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

-2.6% ROIC with 42.0% gross margin and 10.09% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (50)

Altman-Z 4.20 and Piotroski 3/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (62)

23/40 institutional & smart-money positioning score with 14/20 macro alignment.

Bull Case: Why Buyers Like RVSB
  • ✓Established market leader in Financials with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring RVSB)

  • ✓Walkthrough of RVSB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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RVSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.29%📐 HORIZONTAL RANGE
2026-11-03O $5.92H $6.08L $5.92C $6.08VOL 46.4K
RES: $6.41SUP: $4.75SMA50: $5.76SMA200: $5.49
$6.30$5.96$5.61$5.26$4.91RES $6.41SUP $4.75$6.082026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RVSB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RVSB Butterfly Map → + Track RVSB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +0.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on RVSB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RVSB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for RVSB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RVSB)

Financials Rank #469 of 1097 ⚔️ SFBC vs RVSB Full Matrix →

1. Head-to-Head Financials Peer Comparison (RVSB vs. SFBC, PROV, BYFC, MGYR)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Riverview Bancorp Inc (RVSB) ranks #469 by composite RQD confidence (58/100, grade D+) and #943 by equity capitalization ($121.2M). Within this direct 5-issuer industry benchmark cohort, MGYR leads on earnings valuation at 13.4x trailing P/E, while MGYR leads on capital efficiency and profitability with 8.0% ROIC and — gross margin. MGYR currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with RVSB at 58/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
RVSB ACTIVE
Riverview Bancorp Inc
D+ 58/100 — — -2.6% +1.17% $121.2M Benchmark Subject
SFBC
Sound Financial Bancorp Inc.
C 65/100 16.1x — 6.5% -1.71% $115.6M /sfbc-vs-rvsb →
PROV
Provident Financial Holdings Inc.
C 64/100 18.0x — 4.9% 0.00% $112.6M /prov-vs-rvsb →
BYFC
Broadway Financial Corporation (Class A)
D- 37/100 — — -9.4% +1.66% $106.3M /byfc-vs-rvsb →
MGYR
Magyar Bancorp Inc.
B 73/100 13.4x — 8.0% +1.17% $144.0M /mgyr-vs-rvsb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2026-03-31 • CIK 0001041368 ↗

In its most recent audited fiscal period (FY2025, filed 2026-03-31), Riverview Bancorp Inc (RVSB) reported GAAP revenue of $635.2M (+0.2% vs. FY2024 revenue of $633.6M , and +1210.6% cumulative change since FY2023) , GAAP net income of -$4.3M, operating cash flow of $12.0M, and free cash flow of $12.0M (+45.6% YoY). On the balance sheet, RVSB closed FY2025 with $1.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2026-03-31 $635.2M -$4.3M $12.0M $12.0M $1.51B —
FY2024 (FY) 2025-03-31 $633.6M $4.9M $8.3M $8.3M $1.51B —
FY2023 (FY) 2024-03-31 $48.5M $3.8M $12.8M $12.8M — —

3. RVSB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RVSB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Riverview Bancorp Inc (NASDAQ: RVSB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 58/100 at a spot price of $6.08 (+1.17% 1D, market cap $121.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, RVSB ranks #469 in composite RQD confidence.

How does RVSB compare to SFBC and PROV in the Financials sector?

Within the Financials sector (Savings Institutions), RVSB carries a Roarable D+ (58/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -2.6%. By comparison, SFBC (Sound Financial Bancorp Inc.) holds a C grade (65/100 RQD, P/E 16.1x, ROIC 6.5%, cap $115.6M) and PROV (Provident Financial Holdings Inc.) posts a C grade (64/100 RQD, P/E 18.0x, ROIC 4.9%, cap $112.6M). Among the 5-stock peer group, MGYR leads on earnings multiple (13.4x) while MGYR leads on capital efficiency (8.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RVSB?

Per RVSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001041368), Riverview Bancorp Inc generated $635.2M in revenue (+0.2% YoY), -$4.3M in net income, and $12.0M in free cash flow against $1.51B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RVSB trading relative to its 50-day, 200-day, and 52-week technical levels?

RVSB last traded at $6.08 (+1.17% on volume of 87,392 shares), positioning the stock +5.56% above its 50-day simple moving average ($5.76) and +10.75% above its 200-day simple moving average ($5.49). Across its 52-week range of $4.88 to $6.22, RVSB sits at the 89.6% percentile with a 14-day RSI of 55.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($5.85 to $6.31).

Direct Sub-Reports: RVSB RQD Cockpit RVSB 12M Forecast RVSB Earnings & Move RVSB Dividends & DRIP RVSB Insiders & 13F RVSB Whale Options RVSB Profit Sankey RVSB News & Why
ROARABLE RATING BRIEF • RQD 58/100 (D+) ✓ SEC XBRL & RQD VERIFIED

RVSB — Riverview Bancorp Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2026-03-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Riverview Bancorp Inc (RVSB) earns a live Roarable RQD composite score of 58/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $6.08 (+1.17% 1D, market capitalization $121.2M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of -2.6%, gross margin of —, operating margin of —, and free cash flow yield of 10.09%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Riverview Bancorp Inc (RVSB) is a NASDAQ-listed issuer classified under the Financials sector and the Savings Institutions industry. It has a market capitalization of $0.1B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2026-03-31), Riverview Bancorp Inc (RVSB) reported $635.2M in annual revenue (up from $633.6M in FY2024, +0.2% YoY) and -$4.3M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($48.5M revenue, $3.8M net income) through FY2025, RVSB scaled operating cash flow to $12.0M and free cash flow to $12.0M, backed by $1.51B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 58/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 10.09% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $4.88 – $6.22 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The supply_chain value is NONE, and the butterfly_links and proprietary_signals arrays are empty. — For a prospective investor, the main second-order watch item from the available news is the problem-loan trend ($8.

  • Key Question #1: Can RVSB sustain or expand its — operating margin and -2.6% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $635.2M and free cash flow of $12.0M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is RVSB's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

RVSB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Riverview Bancorp Inc (RVSB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RVSB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RVSB Bull vs. Bear Conversation Board — What's Your Call at $6.08?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RVSB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on RVSB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $7.39 (+23.0%)
📌 Pinned Debate

A 10.09% FCF yield and $12.0M of FY 2025 free cash flow stand out against a $119.4M market cap.

The street is overcomplicating Riverview Bancorp Inc (RVSB). A 10.09% FCF yield and $12.0M of FY 2025 free cash flow stand out against a $119.4M market cap.. With an RQD score of 58/100 (D+) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $6.49.

CapAlloc_Nerd 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 58/100 quality, though with 1.0 beta I'm scaling in with half-size at $6.01 and keeping dry powder in case we test $5.59.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $4.51 (-25.0%)
Spot @ $6.01

FY 2025 net income turned to -$4.3M with ROIC at -2.6%, and problem loans rose to $8.58M.

Careful chasing RVSB at $6.01. FY 2025 net income turned to -$4.3M with ROIC at -2.6%, and problem loans rose to $8.58M.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $4.51 on multiple compression.

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