Riverview Bancorp Inc — Earnings Quality Grade F
RVSB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 33 days, change -1 days YoY
AR growth 2.5% vs revenue growth 4.7%
Revenue 4.7%, CFFO -35.2%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -51.7% vs revenue 4.7%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.69. Profits backed by cash
FCF $0.0B, FCF/NI = 1.13
Accruals ratio = -0.2%. Low accruals
Cash $0.0B covers only 28% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 17% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Riverview Bancorp Inc is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25