RIVERVIEW BANCORP INC (RVSB) Financial Statements

Income statement

Metric	TTM	2026	2025	2024	2023
Revenue
Total Revenue	62.3M	64.7M	73.2M	66.8M	67.9M
Cost of Revenue	16.8M	22.9M	22.7M	18.5M	4.8M
Gross Profit	45.4M	41.8M	50.5M	48.3M	63.0M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	30.2M	30.5M	28.1M	26.2M	25.4M
General & Admin Expense	29.3M	29.5M	26.8M	24.9M	24.5M
Selling & Marketing Expense	819.0K	1.1M	1.3M	1.3M	923.0K
Other Expenses	19.4M	17.1M	16.2M	17.5M	13.9M
Total Operating Expenses	49.6M	47.7M	44.3M	43.7M	39.4M
Cost and Expenses	66.4M	70.6M	67.0M	62.2M	44.2M
Operating Income (EBIT)	(4.1M)	(5.8M)	6.2M	4.6M	23.7M
Non-Operating
Interest Income	64.5M	62.0M	59.0M	56.6M	55.7M
Interest Expense	20.5M	21.7M	22.6M	18.5M	4.1M
Net Interest Income	44.0M	40.3M	36.3M	38.1M	51.6M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	(4.1M)	(5.8M)	6.2M	4.6M	23.7M
Income Tax Expense	(1.1M)	(1.5M)	1.3M	802.0K	5.6M
Bottom Line
Net Income	(3.0M)	(4.3M)	4.9M	3.8M	18.1M
Earnings from Cont. Ops	(3.0M)	(4.3M)	4.9M	3.8M	18.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	(3.0M)	(4.3M)	4.9M	3.8M	18.1M
Per Share
Basic EPS	($0.14)	($0.21)	$0.23	$0.18	$0.84
Diluted EPS	($0.14)	($0.21)	$0.23	$0.18	$0.83
Revenue Per Share	$3.13	$3.11	$3.48	$3.16	$3.14
Shares
Basic Shares Outstanding	19.9M	20.8M	21.1M	21.1M	21.6M
Diluted Shares Outstanding	19.9M	20.8M	21.1M	21.1M	21.6M
Profitability Metrics
EBITDA	(2.4M)	(2.4M)	9.6M	7.4M	26.4M
D&A	1.7M	3.4M	3.3M	2.8M	2.7M
EBIT	(4.1M)	(5.8M)	6.2M	4.6M	23.7M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026