Riverview Bancorp (RVSB) Cash Flow: Operating & Free Cash Flow

Riverview Bancorp (RVSB) Cash Flow Statement

In fiscal 2026 (fiscal year ended Mar 31, 2026), Riverview Bancorp generated $12.04M of operating cash flow and spent $789.00K on capital expenditures. That left free cash flow of $11.25M, up 102.5% from $5.56M a year earlier, or 26.1% of revenue. It returned $4.39M to shareholders through $1.67M in dividends and $2.72M in share buybacks.

Riverview Bancorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Riverview Bancorp, Inc. (RVSB) - Annual data in millions USD
Breakdown	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017
Operating Activities
Net Income	-4.34	4.90	3.80	18.07	21.82	10.47	15.75	17.27	10.24	7.40
Depreciation & Amortization	3.40	3.33	2.76	2.69	3.52	3.21	2.96	2.72	2.92	2.75
Deferred Income Tax	-1.58	0.26	-0.17	-0.14	1.01	-1.43	-0.57	-0.01	3.67	3.10
Stock Based Compensation	0.43	0.38	0.03	0.39	0.32	0.40	0.35	0.04	0.24	0.14
Change in Working Capital	2.57	0.47	4.14	-7.30	-1.15	2.99	-3.59	1.68	-4.50	4.88
Change in Accounts Receivable	0.00	-0.11	0.38	-0.14	0.59	-1.53	0.22	-0.44	-0.54	-0.29
Change in Other Working Capital	-0.68	1.09	3.23	-0.79	-1.31	0.39	-3.81	2.12	-3.97	5.17
Other Operating Activities	8.73	-0.92	2.02	-0.79	-1.31	0.50	1.02	-1.54	-0.62	-0.22
Net Cash from Operating Activities	12.04	8.27	12.75	13.58	16.46	24.17	15.92	20.15	11.94	18.06
Investing Activities
Capital Expenditures	-0.79	-2.71	-5.61	-4.96	-3.25	-3.55	-2.95	-1.05	-0.75	-0.60
Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	15.12
Purchases of Investments	-25.49	0.00	0.00	-81.80	-224.56	-160.24	-18.13	0.00	-47.49	-92.42
Sales/Maturities of Investments	173.35	53.67	82.47	33.65	46.78	48.07	53.00	36.53	29.54	37.05
Other Investing Activities	1.47	0.39	-13.30	-23.13	-40.63	-34.53	-32.80	-60.45	-26.88	-35.75
Net Cash from Investing Activities	118.33	13.33	63.56	-76.25	-221.66	-150.25	-0.88	-24.97	-45.58	-76.59
Financing Activities
Debt Repayment	816.80	624.50	640.48	-76.08	-2.05	31.00	-56.62	56.56	-0.02	-0.02
Common Stock Issued	0.00	0.00	0.04	0.00	0.02	0.05	0.00	0.18	0.00	0.00
Common Stock Repurchased	2.72	2.00	0.58	-6.71	-1.94	1.45	-1.02	-0.18	0.00	0.00
Dividends Paid	-1.67	-2.53	-5.08	-5.12	-4.67	-4.48	-4.08	-3.16	-2.14	-1.80
Other Financing Activities	-0.09	-0.04	-0.11	0.07	0.03	-0.22	65.69	-70.40	15.96	69.57
Net Cash from Financing Activities	-42.92	-15.82	-74.71	-156.71	181.21	349.52	3.98	-17.00	13.80	67.75
Summary
Net Change in Cash	87.45	5.77	1.60	-219.38	-23.98	223.44	19.02	-21.82	-19.85	9.21
Cash at Beginning of Period	29.41	23.64	22.04	241.42	265.41	41.97	22.95	44.77	64.61	55.40
Cash at End of Period	116.87	29.41	23.64	22.04	241.42	265.41	41.97	22.95	44.77	64.61
Free Cash Flow	11.25	5.56	7.14	8.61	13.21	20.62	12.96	19.11	11.19	17.46
Supplemental Disclosures
Interest Paid	-	21.63	17.24	3.74	1.95	3.26	-	-	-	-
Income Taxes Paid	-	-0.13	1.87	6.24	5.41	4.74	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Riverview Bancorp Cash Flow

What is Riverview Bancorp's free cash flow?

Riverview Bancorp generated free cash flow of $11.25M in fiscal 2026 (fiscal year ended Mar 31, 2026), operating cash flow of $12.04M minus $789.00K of capital expenditures. That was up 102.5% from $5.56M a year earlier. Free cash flow equaled 26.1% of revenue.

How much does Riverview Bancorp spend on capital expenditures?

Riverview Bancorp spent $789.00K on capital expenditures in fiscal 2026, compared with $2.71M a year earlier. That equals 6.6% of operating cash flow.

Does Riverview Bancorp pay dividends or buy back shares?

Yes. In fiscal 2026 Riverview Bancorp returned $1.67M in dividends and $2.72M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition