RVSB Riverview Bancorp Inc - Common Stock
RVSB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
RVSB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
10-Year Performance Revenue, net income, margins and EPS trends
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Financial Health Debt, liquidity, solvency — balance sheet strength
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Dividends Yield, payout ratio, dividend history, 5Y CAGR
| Ex-date | Amount |
|---|---|
| July 9, 2026 | $0.0200 |
| April 13, 2026 | $0.0200 |
| Jan. 5, 2026 | $0.0200 |
| Oct. 9, 2025 | $0.0200 |
| July 10, 2025 | $0.0200 |
| April 14, 2025 | $0.0200 |
| Jan. 2, 2025 | $0.0200 |
| Oct. 7, 2024 | $0.0200 |
| July 10, 2024 | $0.0200 |
| April 10, 2024 | $0.0600 |
| Jan. 4, 2024 | $0.0600 |
| Oct. 11, 2023 | $0.0600 |
| July 10, 2023 | $0.0600 |
| April 6, 2023 | $0.0600 |
| Jan. 3, 2023 | $0.0600 |
| Oct. 12, 2022 | $0.0600 |
| July 7, 2022 | $0.0600 |
| April 8, 2022 | $0.0550 |
| Jan. 4, 2022 | $0.0550 |
| Oct. 6, 2021 | $0.0550 |
RVSB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
- Strong Buy 2 28.6%
- Buy 4 57.1%
- Hold 1 14.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
1 analysts · 2026-08-17Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.08 | $0.07 | 0.01% |
| March 31, 2026 | $0.03 | $0.06 | -0.03% |
| Dec. 31, 2025 | $0.07 | $0.04 | 0.03% |
| Sept. 30, 2025 | $0.05 | $0.06 | -0.01% |
| June 30, 2025 | $0.06 | $0.05 | 0.01% |
| March 31, 2025 | $0.05 | $0.03 | 0.02% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| RVSB | $113M | -26.2 | -14.8% | -10.1% | -2.8% | — |
| PBHC | $67M | — | -7.4% | -4.1% | -1.6% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $18M | $4M | $2M | $3M | $5M | $3M | $2M | · | $2M | $2M | |
| Interest Income | $62M | $59M | $57M | $56M | $50M | $48M | $50M | $50M | $45M | · | $31M | $29M | |
| Pretax Income | $-6M | $6M | $5M | $24M | $28M | $13M | $21M | $22M | $18M | · | · | · | |
| Income Tax | $-1M | $1M | $802.0K | $6M | $6M | $3M | $5M | $5M | $8M | · | $3M | $2M | |
| Net Income | $-4M | $5M | $4M | $18M | $22M | $10M | $16M | $17M | $10M | · | $6M | $4M | |
| EPS (Basic) | $-0.21 | $0.23 | $0.18 | $0.84 | $0.98 | $0.47 | $0.69 | $0.76 | $0.45 | · | $0.28 | $0.20 | |
| EPS (Diluted) | $-0.21 | $0.23 | $0.18 | $0.83 | $0.98 | $0.47 | $0.69 | $0.76 | $0.45 | · | $0.28 | $0.20 | |
| Shares (Basic) | 20,839,900 | 21,063,467 | 21,137,976 | 21,637,526 | 22,213,029 | 22,296,195 | 22,707,624 | 22,588,000 | 22,531,000 | · | 22,450,252 | 22,392,744 | |
| Shares (Diluted) | 20,839,900 | 21,063,467 | 21,139,322 | 21,646,101 | 22,224,947 | 22,312,831 | 22,744,045 | 22,660,000 | 22,623,000 | · | 22,494,151 | 22,431,839 | |
| EBITDA | $3M | $3M | $3M | $3M | $4M | $3M | $3M | · | · | · | $-3M | $-3M |
Balance Sheet 15
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $117M | $29M | $24M | $22M | $241M | $265M | $42M | $23M | $45M | $65M | $55M | $59M | |
| PP&E (Net) | $21M | $22M | $22M | $20M | $17M | $18M | $16M | $15M | · | · | $15M | $15M | |
| PP&E (Gross) | $45M | $45M | $43M | $40M | $37M | $37M | $36M | $36M | · | · | $33M | $33M | |
| Accum. Depreciation | $24M | $23M | $21M | $20M | $19M | $19M | $20M | $20M | · | · | $-18M | $-18M | |
| Goodwill | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | · | · | $26M | $26M | |
| Intangibles | $77.0K | $171.0K | $271.0K | $379.0K | $495.0K | $619.0K | $759.0K | $920.0K | · | · | · | · | |
| Total Assets | $1.46B | $1.51B | $1.52B | $1.59B | $1.74B | $1.55B | $1.18B | $1.16B | · | · | $921M | $859M | |
| Total Liabilities | $1.32B | $1.35B | $1.37B | $1.43B | $1.58B | $1.40B | $1.03B | $1.02B | · | · | $813M | $754M | |
| Common Stock | $203.0K | $208.0K | $211.0K | $212.0K | $221.0K | $223.0K | $225.0K | $226.0K | · | · | · | · | |
| Paid-in Capital | · | · | · | · | · | · | · | · | · | · | $64M | $65M | |
| Retained Earnings | $114M | $120M | $116M | $118M | $105M | $88M | $82M | $70M | · | · | $43M | $38M | |
| AOCI | $-19M | $-13M | $-16M | $-18M | $-10M | $-160.0K | $2M | $-3M | · | · | $1M | $762.0K | |
| Stockholders' Equity | $146M | $160M | $156M | $155M | $157M | $152M | $149M | $133M | · | · | $108M | $104M | |
| Liabilities + Equity | $1.46B | $1.51B | $1.52B | $1.59B | $1.74B | $1.55B | $1.18B | $1.16B | · | · | $921M | $859M | |
| Shares Outstanding | 20,564,719 | 20,976,200 | 21,111,043 | 21,221,960 | 22,127,396 | 22,351,235 | 22,544,285 | 22,607,712 | · | · | 22,507,890 | 22,489,890 |
Cash Flow 16
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $3M | $4M | $3M | $3M | $3M | $3M | · | $-3M | $-3M | |
| Stock-based Comp | $431.0K | $384.0K | $34.0K | $390.0K | $319.0K | $396.0K | $346.0K | $44.0K | $88.0K | · | · | · | |
| Deferred Tax | $-2M | $261.0K | $-165.0K | $-144.0K | $1M | $-1M | $-574.0K | $-11.0K | $4M | · | $3M | $2M | |
| Amort. of Intangibles | $93.0K | $100.0K | $108.0K | $116.0K | $124.0K | $140.0K | $161.0K | $183.0K | $232.0K | · | · | $24.0K | |
| Other Non-cash | $14M | $-605.0K | $6M | $-7M | $-10M | $12M | $-3M | · | · | · | $5M | $2M | |
| Operating Cash Flow | $12M | $8M | $13M | $14M | $16M | $24M | $16M | $20M | $12M | · | $11M | $6M | |
| CapEx | $789.0K | $3M | $6M | $5M | $3M | $4M | $3M | $1M | $753.0K | · | $366.0K | $464.0K | |
| Investing Cash Flow | $118M | $13M | $64M | $-76M | $-222M | $-150M | $-878.0K | $-25M | $-46M | · | $-71M | $-46M | |
| Stock Repurchased | $3M | $2M | $577.0K | $7M | $2M | $1M | $1M | · | · | · | · | · | |
| Net Stock Activity | $-3M | $-2M | $-577.0K | $-7M | $-2M | $-1M | $-1M | · | · | · | · | · | |
| Dividends Paid | $2M | $3M | $5M | $5M | $5M | $4M | $4M | $3M | $2M | · | · | · | |
| Financing Cash Flow | $-43M | $-16M | $-75M | $-157M | $181M | $350M | $4M | $-17M | $14M | · | $56M | $31M | |
| Net Change in Cash | · | · | · | · | · | · | · | · | · | · | $-3M | $-10M | |
| Taxes Paid | $1M | $-127.0K | $2M | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $11M | $6M | $7M | $9M | $13M | $21M | $13M | · | · | · | $11M | $5M | |
| Levered FCF | · | · | $-8M | $6M | $12M | $18M | $9M | · | · | · | · | · |
Profitability 5
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -10.1% | 9.7% | 7.9% | 28.3% | 36.1% | 18.7% | 27.1% | · | · | · | 16.5% | 12.6% | |
| Pretax Margin | -13.5% | 12.3% | 9.5% | 37.1% | 46.8% | 24.0% | 35.4% | · | · | · | · | · | |
| EBITDA Margin | 7.9% | 6.6% | 5.7% | 4.2% | 5.8% | 5.7% | 5.1% | · | · | · | -8.5% | -9.2% | |
| ROA | -0.29% | 0.32% | 0.24% | 1.1% | 1.3% | 0.77% | 1.4% | · | · | · | 0.71% | 0.53% | |
| ROE | -2.8% | 3.1% | 2.4% | 11.6% | 14.1% | 7.0% | 11.2% | · | · | · | 6.0% | 4.5% |
Efficiency 1
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | · | · | · | 0.0 | 0.0 |
Growth Rates 8
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -14.8% | 4.7% | -24.2% | 5.7% | 7.8% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | -12.3% | -5.7% | -4.8% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | -5.1% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | · | 27.8% | -78.3% | -15.3% | 108.5% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | · | -38.3% | -27.4% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | · | 29.1% | -79.0% | -17.2% | 108.4% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | · | -39.2% | -28.7% | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | -17.9% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $43M | $51M | $48M | $64M | $60M | $56M | $58M | $58M | $54M | $39M | $39M | $36M | |
| Net Income TTM | $-4M | $5M | $4M | $18M | $22M | $10M | $16M | $17M | $10M | $7M | $6M | $4M | |
| Market Cap | $113M | $119M | $100M | · | $167M | $155M | $113M | · | · | · | $95M | $101M | |
| P/E | -26.2 | 24.6 | 26.2 | 6.4 | 7.7 | 14.7 | 7.3 | 9.6 | 20.8 | 23.8 | 15.0 | 22.5 | |
| P/S | 2.6 | 2.3 | 2.1 | · | 2.8 | 2.8 | 1.9 | · | · | · | 2.5 | 2.8 | |
| P/B | 0.8 | 0.7 | 0.6 | · | 1.1 | 1.0 | 0.8 | · | · | · | 0.9 | 1.0 | |
| P / Tangible Book | 1.0 | 0.9 | 0.8 | · | 1.3 | 1.3 | · | · | · | · | · | · | |
| P / Cash Flow | 9.4 | 14.3 | 7.8 | · | 10.1 | 6.4 | 7.1 | · | · | · | 8.5 | 18.2 | |
| P / FCF | 10.1 | 21.3 | 14.0 | · | 12.6 | 7.5 | 8.7 | · | · | · | 8.8 | 19.9 | |
| Dividend Yield | 1.5% | 2.1% | 5.1% | · | 2.8% | 2.9% | 3.6% | · | · | · | · | · | |
| Earnings Yield | -3.8% | 4.1% | 3.8% | 15.5% | 13.0% | 6.8% | 13.8% | 10.4% | 4.8% | 4.2% | 6.7% | 4.4% | |
| Payout Ratio | -38.5% | 51.7% | 133.7% | 28.3% | 21.4% | 42.8% | 25.9% | · | · | · | · | · | |
| Annual Payout | $2M | $3M | $5M | $5M | $5M | $4M | $4M | $3M | $2M | · | · | · |
Income Statement 10
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $6M | $5M | $4M | $4M | $2M | $743.0K | $657.0K | |
| Interest Income | $16M | $15M | $16M | $15M | $15M | $14M | $15M | $15M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | $14M | |
| Pretax Income | $2M | $-11M | $2M | $1M | $2M | $1M | $2M | $2M | $1M | $-4M | $2M | $3M | $4M | $4M | $7M | $7M | |
| Income Tax | $435.0K | $-2M | $363.0K | $296.0K | $322.0K | $314.0K | $343.0K | $425.0K | $253.0K | $-1M | $377.0K | $697.0K | $823.0K | $1M | $2M | $2M | |
| Net Income | $2M | $-8M | $1M | $1M | $1M | $1M | $1M | $2M | $966.0K | $-3M | $1M | $2M | $3M | $3M | $5M | $5M | |
| EPS (Basic) | $0.08 | $-0.39 | $0.07 | $0.05 | $0.06 | $0.05 | $0.06 | $0.07 | $0.05 | $-0.14 | $0.07 | $0.12 | $0.13 | $0.15 | $0.24 | $0.24 | |
| EPS (Diluted) | $0.08 | $-0.39 | $0.07 | $0.05 | $0.06 | $0.05 | $0.06 | $0.07 | $0.05 | $-0.14 | $0.07 | $0.12 | $0.13 | $0.14 | $0.24 | $0.24 | |
| Shares (Basic) | 20,373,277 | -41,847,295 | 20,762,668 | 20,948,327 | 20,976,200 | -42,182,402 | 21,037,246 | 21,097,580 | 21,111,043 | -42,302,572 | 21,113,464 | 21,190,987 | 21,136,097 | -43,519,720 | 21,504,903 | 21,624,469 | |
| Shares (Diluted) | 20,373,277 | -41,847,295 | 20,762,668 | 20,948,327 | 20,976,200 | -42,182,402 | 21,037,246 | 21,097,580 | 21,111,043 | -42,306,635 | 21,113,464 | 21,191,309 | 21,141,184 | -43,538,722 | 21,513,617 | 21,633,886 | |
| EBITDA | $710.0K | · | · | · | $873.0K | · | · | · | $779.0K | · | · | · | $624.0K | · | · | · |
Balance Sheet 14
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $102M | $117M | $29M | $33M | $34M | $29M | $25M | $31M | $28M | $24M | $38M | $31M | $30M | · | $24M | $114M | |
| PP&E (Net) | $21M | $21M | $21M | $22M | $22M | $22M | $23M | $23M | $21M | $22M | $22M | $23M | $22M | · | $20M | $17M | |
| PP&E (Gross) | · | $45M | · | · | · | $45M | · | · | · | $43M | · | · | · | · | · | · | |
| Accum. Depreciation | · | $24M | · | · | · | $23M | · | · | · | $21M | · | · | · | · | · | · | |
| Goodwill | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | $27M | · | $27M | $27M | |
| Intangibles | $55.0K | $77.0K | $101.0K | $124.0K | $147.0K | $171.0K | $196.0K | $221.0K | $246.0K | $271.0K | $298.0K | $325.0K | $352.0K | · | $408.0K | $437.0K | |
| Total Assets | $1.47B | $1.46B | $1.51B | $1.51B | $1.52B | $1.51B | $1.51B | $1.55B | $1.54B | $1.52B | $1.59B | $1.58B | $1.58B | · | $1.60B | $1.68B | |
| Total Liabilities | $1.33B | $1.32B | $1.35B | $1.35B | $1.35B | $1.35B | $1.35B | $1.39B | $1.38B | $1.37B | $1.43B | $1.43B | $1.43B | · | $1.45B | $1.54B | |
| Common Stock | $200.0K | $203.0K | $205.0K | $207.0K | $208.0K | $208.0K | $209.0K | $211.0K | $211.0K | $211.0K | $211.0K | $211.0K | $211.0K | · | $214.0K | $214.0K | |
| Retained Earnings | $115M | $114M | $122M | $121M | $121M | $120M | $119M | $118M | $117M | $116M | $121M | $121M | $119M | · | $116M | $112M | |
| AOCI | $-19M | $-19M | $-10M | $-11M | $-12M | $-13M | $-15M | $-13M | $-16M | $-16M | $-17M | $-24M | $-21M | · | $-22M | $-22M | |
| Stockholders' Equity | $145M | $146M | $164M | $164M | $162M | $160M | $158M | $161M | $156M | $156M | $158M | $152M | $154M | · | $152M | $147M | |
| Liabilities + Equity | $1.47B | $1.46B | $1.51B | $1.51B | $1.52B | $1.51B | $1.51B | $1.55B | $1.54B | $1.52B | $1.59B | $1.58B | $1.58B | · | $1.60B | $1.68B | |
| Shares Outstanding | 20,160,613 | 20,564,719 | 20,710,901 | 20,938,504 | 20,976,200 | 20,976,200 | 21,134,758 | 21,096,968 | 21,111,043 | 21,111,043 | 21,111,043 | 21,125,889 | 21,115,919 | · | 21,496,335 | 21,507,132 |
Cash Flow 14
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $710.0K | $855.0K | $836.0K | $835.0K | $873.0K | $883.0K | $860.0K | $805.0K | $779.0K | $827.0K | $656.0K | $654.0K | $624.0K | $640.0K | $604.0K | $664.0K | |
| Stock-based Comp | $89.0K | $-43.0K | $156.0K | $209.0K | $109.0K | $68.0K | $264.0K | $26.0K | $26.0K | $23.0K | $19.0K | $-70.0K | $62.0K | $98.0K | $100.0K | $129.0K | |
| Amort. of Intangibles | $22.0K | $23.0K | $23.0K | $23.0K | $24.0K | $25.0K | $25.0K | $25.0K | $25.0K | $27.0K | $27.0K | $27.0K | $27.0K | $29.0K | $29.0K | $29.0K | |
| Other Non-cash | $-463.0K | · | · | · | $-3M | · | · | · | $4M | · | · | · | $6M | · | · | · | |
| Operating Cash Flow | $2M | $-4M | $-506.0K | $17M | $-697.0K | $-139.0K | $2M | $764.0K | $5M | $-8M | $10M | $1M | $9M | $-1M | $6M | $5M | |
| CapEx | $156.0K | $90.0K | $230.0K | $393.0K | $76.0K | $92.0K | $304.0K | $2M | $110.0K | $2M | $344.0K | $1M | $2M | $515.0K | $3M | $899.0K | |
| Investing Cash Flow | $-22M | $116M | $-7M | $6M | $2M | $-274.0K | $31M | $-4M | $-13M | $51M | $5M | $-3M | $10M | $11M | $-3M | $-22M | |
| Stock Repurchased | $2M | $697.0K | $1M | · | · | $904.0K | · | · | · | $0 | $0 | $0 | $577.0K | $2M | $81.0K | $4M | |
| Net Stock Activity | $-2M | · | · | · | · | · | · | · | · | · | · | · | $-577.0K | · | · | · | |
| Dividends Paid | $410.0K | $414.0K | $418.0K | $418.0K | $420.0K | $422.0K | $423.0K | $421.0K | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Financing Cash Flow | $5M | $-25M | $3M | $-25M | $3M | $4M | $-39M | $6M | $12M | $-57M | $-9M | $3M | $-11M | $-12M | $-93M | $-11M | |
| Taxes Paid | $28.0K | · | · | · | $24.0K | · | · | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $2M | · | · | · | $-773.0K | · | · | · | $5M | · | · | · | $7M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | $4M | · | · | · |
Profitability 5
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 11.3% | · | 9.8% | 8.1% | 9.2% | · | 9.7% | 12.2% | 7.9% | · | 11.7% | 18.6% | 20.8% | · | 31.4% | 31.4% | |
| Pretax Margin | 14.2% | · | 12.4% | 10.2% | 11.7% | · | 12.4% | 15.5% | 10.0% | · | 14.8% | 23.9% | 26.9% | · | 40.9% | 40.8% | |
| EBITDA Margin | 4.7% | · | · | · | 6.6% | · | · | · | 6.4% | · | · | · | 4.6% | · | · | · | |
| ROA | 0.11% | · | 0.09% | 0.07% | 0.08% | · | 0.08% | 0.10% | 0.06% | · | 0.09% | 0.15% | 0.17% | · | 0.32% | 0.31% | |
| ROE | 1.1% | · | 0.85% | 0.68% | 0.77% | · | 0.78% | 1.0% | 0.62% | · | 0.94% | 1.7% | 1.8% | · | 3.3% | 3.4% |
Efficiency 1
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q1 2027 | Q4 2026 | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $45M | · | $54M | $53M | $52M | · | $47M | $46M | $47M | · | $54M | $58M | $62M | · | $64M | $62M | |
| Net Income TTM | $-4M | · | $5M | $5M | $5M | · | $787.0K | $1M | $2M | · | $10M | $14M | $16M | · | $19M | $19M | |
| Market Cap | $109M | · | $104M | $112M | $115M | · | $121M | $99M | $84M | · | $135M | $117M | $106M | · | $165M | $137M | |
| P/E | -28.6 | · | 21.8 | 24.4 | 22.9 | · | 143.5 | 94.2 | 39.9 | · | 13.9 | 8.8 | 6.7 | · | 8.7 | 7.1 | |
| P/S | 2.4 | · | 1.9 | 2.1 | 2.2 | · | 2.6 | 2.1 | 1.8 | · | 2.5 | 2.0 | 1.7 | · | 2.6 | 2.2 | |
| P/B | 0.8 | · | 0.6 | 0.7 | 0.7 | · | 0.8 | 0.6 | 0.5 | · | 0.9 | 0.8 | 0.7 | · | 1.1 | 0.9 | |
| P / Tangible Book | 0.9 | · | 0.8 | 0.8 | 0.9 | · | 0.9 | 0.7 | 0.7 | · | 1.0 | 0.9 | 0.8 | · | 1.3 | 1.1 | |
| P / Cash Flow | 53.9 | · | · | · | -165.5 | · | · | · | 15.5 | · | · | · | 11.7 | · | · | · | |
| P / FCF | 58.4 | · | · | · | -149.2 | · | · | · | 15.8 | · | · | · | 15.3 | · | · | · | |
| Earnings Yield | -3.5% | · | 4.6% | 4.1% | 4.4% | · | 0.70% | 1.1% | 2.5% | · | 7.2% | 11.3% | 14.9% | · | 11.5% | 14.0% | |
| Payout Ratio | 24.2% | · | · | · | 34.3% | · | · | · | 131.2% | · | · | · | 44.7% | · | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | |
|---|---|---|---|---|---|
| Net Income | $-4M | $5M | $4M | $18M | $22M |
| Diluted EPS | $-0.21 | $0.23 | $0.18 | $0.83 | $0.98 |
Cash Flow
| 2026-03-31 | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $11M | $6M | $7M | $9M | $13M |
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Institutional owners (13F) 90 filers · $61.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 23 (+14 vs prior Q) | 14 (0 vs prior Q) | 27 (+6 vs prior Q) | 20 (-5 vs prior Q) | +2.2M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Nierenberg Investment Management Company, LLC | $11,037,968 | 2,032,775 | 18.02% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $7,029,569 | 1,294,580 | 11.48% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $5,767,149 | 1,062,090 | 9.42% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $4,795,092 | 883,074 | 7.83% | Shares |
| AMERIPRISE FINANCIAL INC | $4,767,860 | 878,059 | 7.78% | Shares |
| Pacific Ridge Capital Partners, LLC | $4,070,024 | 749,544 | 6.64% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $3,015,833 | 555,402 | 4.92% | Shares |
| ESSEX INVESTMENT MANAGEMENT CO LLC | $2,028,290 | 373,534 | 3.31% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,900,663 | 350,030 | 3.10% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,502,823 | 276,763 | 2.45% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,494,331 | 275,199 | 2.44% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $999,845 | 184,075 | 1.63% | Shares |
| Fourthstone LLC | $917,893 | 169,041 | 1.50% | Shares |
| Empowered Funds, LLC | $696,631 | 128,293 | 1.14% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $690,647 | 127,191 | 1.13% | Shares |
| Legato Capital Management LLC | $683,702 | 125,912 | 1.12% | Shares |
| GOLDMAN SACHS GROUP INC | $662,417 | 121,992 | 1.08% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $660,614 | 121,660 | 1.08% | Shares |
| VANGUARD GROUP INC | $616,381 | 122,785 | 1.01% | Shares |
| AMERICAN CENTURY COMPANIES INC | $605,076 | 111,432 | 0.99% | Shares |
| BANK OF AMERICA CORP /DE/ | $580,152 | 106,842 | 0.95% | Shares |
| BlackRock, Inc. | $563,493 | 103,774 | 0.92% | Shares |
| Ancora Advisors LLC | $483,824 | 89,102 | 0.79% | Shares |
| CONTINENTAL ADVISORS LLC | $467,002 | 86,004 | 0.76% | Shares |
| CITADEL ADVISORS LLC | $445,966 | 82,130 | 0.73% | Shares |
| STATE STREET CORP | $423,214 | 77,940 | 0.69% | Shares |
| OBSIDIAN CIO, LLC | $390,191 | 4,555 | 0.64% | Shares |
| FIRST TRUST ADVISORS LP | $370,858 | 68,298 | 0.61% | Shares |
| BARCLAYS PLC | $317,910 | 58,547 | 0.52% | Shares |
| NORTHERN TRUST CORP | $250,008 | 46,042 | 0.41% | Shares |
| Baker Ellis Asset Management LLC | $222,630 | 41,000 | 0.36% | Shares |
| TWO SIGMA INVESTMENTS, LP | $220,947 | 40,690 | 0.36% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $219,937 | 40,504 | 0.36% | Shares |
| RBF Capital, LLC | $217,200 | 40,000 | 0.35% | Shares |
| Squarepoint Ops LLC | $194,606 | 35,839 | 0.32% | Shares |
| Qube Research & Technologies Ltd | $175,894 | 32,393 | 0.29% | Shares |
| JANE STREET GROUP, LLC | $162,976 | 30,014 | 0.27% | Shares |
| Russell Investments Group, Ltd. | $156,801 | 28,877 | 0.26% | Shares |
| Point72 Asset Management, L.P. | $145,671 | 26,827 | 0.24% | Shares |
| Quadrature Capital Ltd | $140,919 | 25,952 | 0.23% | Shares |
| Catalyst Funds Management Pty Ltd | $129,234 | 23,800 | 0.21% | Shares |
| Johnson Bixby & Associates, LLC | $127,790 | 23,534 | 0.21% | Shares |
| Badgley Phelps Wealth Managers, LLC | $122,431 | 22,547 | 0.20% | Shares |
| CALDWELL SUTTER CAPITAL, INC. | $100,455 | 18,500 | 0.16% | Shares |
| XTX Topco Ltd | $86,315 | 15,896 | 0.14% | Shares |
| Creative Planning | $76,769 | 14,138 | 0.13% | Shares |
| Engineers Gate Manager LP | $61,060 | 11,245 | 0.10% | Shares |
| RHUMBLINE ADVISERS | $57,905 | 10,664 | 0.09% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $55,929 | 10,300 | 0.09% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $52,352 | 9,934 | 0.09% | Shares |
| Bank of New York Mellon Corp | $49,261 | 9,072 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $34,209 | 6,300 | 0.06% | Shares |
| Daytona Street Capital LLC | $31,860 | 6,000 | 0.05% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $31,749 | 5,847 | 0.05% | Shares |
| CWM, LLC | $29,843 | 5,426 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $26,493 | 4,879 | 0.04% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $13,016 | 2,397 | 0.02% | Shares |
| UBS Group AG | $9,921 | 1,827 | 0.02% | Shares |
| ROYAL BANK OF CANADA | $9,000 | 1,651 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $7,895 | 1,454 | 0.01% | Shares |
| Arax Advisory Partners | $7,054 | 1,299 | 0.01% | Shares |
| C M BIDWELL & ASSOCIATES LTD | $5,549 | 1,022 | 0.01% | Shares |
| PNC Financial Services Group, Inc. | $5,387 | 992 | 0.01% | Shares |
| PL Capital Advisors, LLC | $4,860 | 895 | 0.01% | Shares |
| FMR LLC | $4,062 | 748 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $3,682 | 678 | 0.01% | Shares |
| Global Retirement Partners, LLC | $2,419 | 445 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $1,983 | 372 | 0.00% | Shares |
| Allworth Financial LP | $1,776 | 327 | 0.00% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $1,364 | 248 | 0.00% | Shares |
| Essential Partners LLC | $1,309 | 241 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $1,240 | 228,777 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $956 | 176 | 0.00% | Shares |
| GAMMA Investing LLC | $896 | 165 | 0.00% | Shares |
| Glen Eagle Advisors, LLC | $543 | 100 | 0.00% | Shares |
| SEI INVESTMENTS CO | $520 | 96 | 0.00% | Shares |
| IFP Advisors, Inc | $451 | 83 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $427 | 79 | 0.00% | Shares |
| MORGAN STANLEY | $402 | 74 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $326 | 60 | 0.00% | Shares |
| True Wealth Design, LLC | $315 | 58 | 0.00% | Shares |
| Bogart Wealth, LLC | $147 | 27 | 0.00% | Shares |
| Cambridge Investment Research Advisors, Inc. | $81 | 14,876 | 0.00% | Shares |
| SJS Investment Consulting Inc. | $39 | 7 | 0.00% | Shares |
| Caitong International Asset Management Co., Ltd | $33 | 6 | 0.00% | Shares |
| Wealth Enhancement Trust Services, Inc. | $33 | 6 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $16 | 3 | 0.00% | Shares |
| Sunbelt Securities, Inc. | $16 | 3 | 0.00% | Shares |
| CITIGROUP INC | $5 | 1 | 0.00% | Shares |
| Capital Advisors, Ltd. LLC | $1 | 150 | 0.00% | Shares |
Company insiders 37 insiders · 14 officers · 17 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Kevin J Lycklama | Chief Executive Officer | July 8, 2022 A | 302,441 | 0 | 0 | $0 |
| David Lam | EVP/CFO | Aug. 17, 2026 P | 76,011 | 1 | 0 | $5,170 |
| Ron Dobyns | CFO | Oct. 31, 2007 M | 14,312 | 0 | 0 | $0 |
| Kim J Capeloto | President/CBO | July 26, 2021 M | 184,436 | 0 | 0 | $0 |
| Daniel D Cox | EVP/CCO | June 6, 2023 M | 38,186 | 0 | 0 | $0 |
| Steven Plambeck | EVP/CLO | June 5, 2023 M | 37,138 | 0 | 0 | $0 |
| Tracie L. Jellison | EVP/CRBO | July 8, 2022 A | 6,905 | 0 | 0 | $0 |
| Richard S Michalek | EVP/CLO | Nov. 2, 2017 S | 2,977 | 0 | 0 | $0 |
| David A Dahlstrom | EVP/Chief Credit Officer | Sept. 9, 2013 S | 0 | 0 | 0 | $0 |
| Scott W Miller | SVP, Marketing | July 16, 2013 A | 7,955 | 0 | 0 | $0 |
| James D Baldovin | EVP, Retail Banking | July 16, 2013 A | 14,711 | 0 | 0 | $0 |
| Phyllis Kreibich | Corporate Secretary | March 9, 2007 M | 11,822 | 0 | 0 | $0 |
| Terry Long | SVP | March 15, 2006 A | 5,699 | 0 | 0 | $0 |
| Karen M Nelson | SVP | July 26, 2005 S | 19,546 | 0 | 0 | $0 |
| Bradley Carlson | Director | May 2, 2023 P | 16,400 | 0 | 0 | $0 |
| Bessie Ross Wills | Director | May 2, 2023 P | 41,000 | 0 | 0 | $0 |
| Patricia Eby | Director | March 13, 2023 P | 18,400 | 0 | 0 | $0 |
| Larry Hoff | Director | Nov. 7, 2022 P | 8,800 | 0 | 0 | $0 |
| Stacey Graham | Director | Nov. 3, 2022 P | 6,700 | 0 | 0 | $0 |
| John A Karas | Director | March 15, 2021 M | 26,098 | 0 | 0 | $0 |
| Patrick Sheaffer | Director | Dec. 16, 2020 M | 672,375 | 0 | 0 | $0 |
| Nierenberg David | Director | March 16, 2020 P | 130,869 | 0 | 0 | $0 |
| Gerald Lee Nies | Director | March 11, 2020 P | 168,692 | 0 | 0 | $0 |
| Jerry C Olson | Director | March 4, 2020 P | 29,476 | 0 | 0 | $0 |
| Gary R Douglass | Director | Sept. 28, 2015 S | 33,859 | 0 | 0 | $0 |
| James M Chadwick | Director | Sept. 9, 2015 P | 500 | 0 | 0 | $0 |
| ALLEN MICHAEL D/WA | Director | Sept. 25, 2014 S | 35,200 | 0 | 0 | $0 |
| Edward R Geiger | Director | July 16, 2013 A | 27,593 | 0 | 0 | $0 |
| Paul L Runyan | Director | July 29, 2010 P | 369,253 | 0 | 0 | $0 |
| Robert K Leick | Director | Oct. 29, 2007 S | 8,200 | 0 | 0 | $0 |
| Nierenberg Investment Management Company, Inc. | 10% owner | July 24, 2026 S | 79,388 | 0 | 3 | $-79,050 |
| Charmaine Lightheart | — | Aug. 12, 2026 P | 8,766 | 3 | 0 | $2,304 |
| Jon Louis Girod | — | Aug. 3, 2026 P | 3,000 | 2 | 0 | $15,890 |
| Nicole Sherman | — | May 7, 2026 P | 164,717 | 2 | 0 | $14,874 |
| Christopher A Butler | — | May 8, 2017 M | 0 | 0 | 0 | $0 |
| Krista L Holland | — | July 16, 2013 A | — | 0 | 0 | $0 |
| Ronald A Wysaske | — | July 16, 2013 A | 208,373 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners 6 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Nierenberg Investment Management Company, Inc., D3 Family Fund, LP, D3 Family Bulldog Fund, LP, HAREDALE LTD, Nierenberg David ×3 filings | July 15, 2025 | 9.99% | Amendment | — | SEC |
| The D3 Family Fund, L.P., The D3 Family Bulldog Fund, L.P., Haredale Ltd., Nierenberg Investment Management Company, Inc., David Nierenberg ×2 filings | Nov. 21, 2024 | — | Initial filing | — | SEC |
| Ancora Advisors, LLC, Frederick DiSanto ×2 filings | May 24, 2017 | — | Initial filing | — | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Oct. 31, 2014 | — | Initial filing | — | SEC |
| Undisclosed reporting person, Undisclosed reporting person | Oct. 17, 2014 | — | Initial filing | Passive investment | SEC |
| Undisclosed reporting person | Sept. 3, 2004 | — | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.03% | 70,185 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.02% | 31,572 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 113,125 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 158,017 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.00% | 9,183 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.00% | 953 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.00% | 12,947 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.00% | 69,151 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.00% | 97,669 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 744 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 754 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 19 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,843 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 36,579 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,900 NS | April 30, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 1,682 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 258,129 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 614,975 SH | Aug. 8, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 1,516 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 16 NS | April 30, 2026 | N-PORT |