Stock Ratings / Financials / RVSB / insiders

SFBC (65) PROV (64) BYFC (37) MGYR (73) ⌘ Pro Terminal →

Riverview Bancorp Inc (RVSB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$6.01 +1.52% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $6.02

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.

📊 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) →

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?

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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 $6.01 (+1.52% 1D, market cap $121.2M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 14/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, RVSB ranks #468 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?

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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?

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Per RVSB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2026-03-31, CIK 0001041368), Riverview Bancorp Inc generated $0 in revenue, -$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: $6.01 (+0.08%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 0.3% 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+

JEV AI Jury 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 SNOWFLAKE RADARRw D+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+0% Base Target

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: 84% 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)

Grade B-$6.02+0% Next Q

Q2 (-2Q)

Grade C+$6.02+0.7% Next Q

Q3 (-1Q)

Grade C$6.06-0.8% Next Q

Current

Grade D+$6.01+0% Hist 90D α

Trajectory: B- (66) → 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 ($6.01) toward Bear Floor ($4.69).

🎲 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 →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

RVSB Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (RVSB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on RVSB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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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Join Founding VIP Waitlist (No Card Required) →$100K Arena

RVSB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.93%📐 HORIZONTAL RANGE

2026-11-03O $5.92H $6.01L $5.92C $6.01VOL 46.4K

RES: $6.41SUP: $4.75SMA50: $5.76SMA200: $5.49

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #468 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Riverview Bancorp Inc (RVSB) ranks #468 by composite RQD confidence (58/100, grade D+) and #942 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%	+1.52%	$121.2M	Benchmark Subject
SFBC Sound Financial Bancorp Inc.	C	65/100	16.1x	—	6.5%	0.00%	$115.6M	/sfbc-vs-rvsb →
PROV Provident Financial Holdings Inc.	C	64/100	18.0x	—	4.9%	-0.16%	$112.6M	/prov-vs-rvsb →
BYFC Broadway Financial Corporation (Class A)	D-	37/100	—	—	-9.4%	-0.17%	$106.3M	/byfc-vs-rvsb →
MGYR Magyar Bancorp Inc.	B	73/100	13.4x	—	8.0%	+10.18%	$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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	-$4.3M	$12.0M	$12.0M	$1.51B	—
FY2024 (FY)	2025-03-31	$0	$4.9M	$8.3M	$8.3M	$1.51B	—
FY2023 (FY)	2024-03-31	$0	$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?

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

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

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

RVSB last traded at $6.01 (+1.52% on volume of 46,364 shares), positioning the stock +4.34% above its 50-day simple moving average ($5.76) and +9.47% above its 200-day simple moving average ($5.49). Across its 52-week range of $4.88 to $6.22, RVSB sits at the 84.3% percentile with a 14-day RSI of 55.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±3.8% ($5.78 to $6.24).

RVSB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are RVSB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies RVSB leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

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+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:43:24Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, RVSB scores 56 out of 100, a letter grade of D+, with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine at 11 / 20 (ROIC -2.6%; FCF yield 10.09%), Whale 13F Flow at 11 / 20 (institutional accumulation and options positioning), Insider Conviction at 10 / 20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 14 / 20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 10 / 20 (Altman Z 2.5; Piotroski F 3/9; Debt/Equity 0.5).

For a prospective investor, the upside case rests mainly on the cash-flow yield of 10.09% and the Macro Regime Fit pillar, which indicates neutral-to-moderate sensitivity to the broader market given a Beta of 1.0. The valuation tradeoff is that the source data shows negative ROIC (-2.6%) and a net loss of $-4.3M for FY 2025, so the free-cash-flow yield is not matched by reported profitability. The weakest pillars, Insider Conviction and Forensic Balance Sheet, both score 10 / 20, which signals limited insider-side confirmation and only moderate balance-sheet strength. The overall score is in the weak range, so the rating points toward caution rather than conviction. This is an educational reading of the scores, not personalized advice.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$0.0M	$0.0M	$-4.3M	N/A	$12.0M	$28.6M	N/A
FY 2024	$0.0M	$0.0M	$4.9M	N/A	$8.3M	$25.3M	N/A
FY 2023	$0.0M	$0.0M	$3.8M	N/A	$12.8M	N/A	N/A

Per the SEC financials, net income moved from $3.8M (FY 2023) to $4.9M (FY 2024) and then to $-4.3M (FY 2025), while reported free cash flow was $12.0M in FY 2025. Per the market data, gross, operating, and net margins are each listed as 0%, and ROIC is -2.6%. Per the Roarable RQD rating, the Altman Z-Score is 2.5, the Piotroski F-Score is 3/9, and Debt/Equity is 0.5, which together describe a moderate and weakening financial posture. Revenue and operating income are reported as $0.0M in every period, so the source data does not allow a margin trend analysis.

Recent Catalysts & News Wire Analysis

Per the recent news feed (Yahoo Finance, 1h ago), an earnings-related item was flagged as a catalyst, noting Wall Street expectations of earnings growth for Q2.
Per the recent news feed (Yahoo Finance, 3h ago), a headline reported that Q2 earnings and revenues beat estimates.
Per the recent news feed (Stock Titan, 6h ago, flagged YELLOW), problem loans rose to $8.58M even as quarterly profit climbed, a risk watch item.
Per the recent news feed (MarketBeat, 9h ago), an earnings release was expected on Tuesday.
Per the recent news feed (Simply Wall St, 12h ago, flagged YELLOW), Q2 earnings were described as reviving profit while skepticism lingers.
Per the recent news feed (15h ago, flagged YELLOW), shares were described as edging lower to $5.85 near the middle of their recent range, with a negative gamma reference; the source attribution in this item is a non-news domain.

Per the Butterfly Supply-Chain Graph, the supply_chain field is NONE, no butterfly links are listed, and no proprietary signals are present.

Open Questions

What is the company's specific revenue model and loan/deposit mix, given that revenue and operating income are reported as $0.0M in every period?
What drove the swing from $4.9M net income in FY 2024 to $-4.3M in FY 2025, and is the loss tied to the problem-loan increase?
Why is FCF ($12.0M) positive while net income is negative, and how durable is that cash generation?
What are the P/E, EPS, and EV/EBITDA figures that would allow a standard valuation comparison?
What are the 13F institutional holdings and insider transactions behind the Whale and Insider pillar scores?

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) ↓

🟢 CATALYST Yahoo Finance • 18h ago

Riverview Bancorp (RVSB) to Report Q2 Results: Wall Street Expects Earnings Growth

Yahoo Finance report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 21h ago

Riverview Bancorp (RVSB) Q2 Earnings and Revenues Beat Estimates

Yahoo Finance report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Problem loans rose to $8.58M at Riverview Bancorp (RVSB), even as quarterly profit climbed.

Stock Titan report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Riverview Bancorp (RVSB) Expected to Release Earnings on Tuesday

MarketBeat report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Riverview Bancorp (RVSB) Q2 Earnings Revive Profit But Skepticism Lingers

Simply Wall St report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.siam.in/ • 1d ago

Riverview Bancorp (RVSB) Edges Lower to $5.85 as Shares Hold Near the Middle of Their Recent Range - Negative Gamma

https://www.siam.in/ report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Riverview Bancorp: Fiscal Q2 Earnings Snapshot

Yahoo Finance report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE https://www.dars.gov.et/ • 1d ago

Riverview Bancorp (RVSB) Holds Near $5.99 as Tight Range Tests Both Sides - Relative Volume

https://www.dars.gov.et/ report covering Riverview Bancorp Inc (RVSB) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RVSB Bull vs. Bear Conversation Board — What's Your Call at $6.01?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RVSB 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $6.39 (+7.9%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is RVSB (D+ • RQD 56/100) a Buy at $5.92?

Welcome to the RVSB (Riverview Bancorp Inc) Roar Pit. Current RQD Composite is 56/100 (Roarable Sell — Weak Fundamentals / Trim) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RI RiskArb_Desk Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $4.62 (-22.0%)

Spot @ $5.92

Pump the brakes on RVSB — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on RVSB, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Riverview Bancorp Inc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $7.10 (+19.9%)

Spot @ $5.92

RVSB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on RVSB, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $5.92 (52-wk range $4.88 - $6.22), any beat on forward guidance forces shorts and underweight funds to chase.