Estados financieros detallados de Riverview Bancorp, Inc. (RVSB): cuenta de resultados, balance general y flujo de caja. Sigue la evolución de márgenes, deuda, liquidez y rentabilidad año a año con hasta 20 años de histórico.
Resumen del Análisis
Riverview Bancorp, Inc. registró ingresos de $64.7M en el último ejercicio fiscal, con un CAGR de 5 años del 1.7%.
Márgenes de los últimos 12 meses: margen bruto 71.5%, margen operativo -8.6%, margen neto -6.3%. El flujo de caja libre creció a un CAGR del -11.4% en 5 años.
Al precio actual de $5.62, RVSB presenta beneficios negativos (P/E no significativo) y un ROE del -2.50%. La capitalización bursátil es de $113M.
Cuenta de Resultados (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Ingresos | $45.6M | $56.0M | $61.0M | $62.9M | $59.4M | $62.6M | $67.9M | $66.8M | $73.2M | $64.7M |
| Coste de Ventas | $1.9M | $2.3M | $2.9M | $6.0M | $9.7M | -$2.4M | $4.8M | $18.5M | $22.7M | $22.9M |
| Beneficio Bruto | $43.8M | $53.6M | $58.1M | $56.8M | $49.7M | $65.0M | $63.0M | $48.3M | $50.5M | $41.8M |
| I+D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Generales y Administrativos | $20.5M | $23.0M | $23.4M | $23.7M | $23.4M | $24.7M | $25.4M | $26.2M | $28.1M | $30.5M |
| Gastos Operativos | $33.0M | $35.6M | $35.7M | $36.3M | $36.3M | $36.7M | $39.4M | $43.7M | $44.3M | $47.7M |
| Beneficio Operativo | $10.8M | $18.0M | $22.4M | $20.6M | $13.5M | $28.3M | $23.7M | $4.6M | $6.2M | -$5.8M |
| EBITDA | $13.5M | $20.9M | $25.1M | $23.5M | $16.7M | $31.8M | $26.4M | $7.4M | $9.6M | -$2.4M |
| Gastos por Intereses | $1.9M | $2.3M | $2.8M | $4.8M | $3.4M | $2.2M | $4.1M | $18.5M | $22.6M | $21.7M |
| Beneficio Antes de Impuestos | $10.8M | $18.0M | $22.4M | $20.6M | $13.5M | $28.3M | $23.7M | $4.6M | $6.2M | -$5.8M |
| Impuestos | $3.4M | $7.8M | $5.1M | $4.8M | $3.0M | $6.5M | $5.6M | $802000 | $1.3M | -$1.5M |
| Beneficio Neto | $7.4M | $10.2M | $17.3M | $15.7M | $10.5M | $21.8M | $18.1M | $3.8M | $4.9M | -$4.3M |
| BPA | $0.33 | $0.45 | $0.76 | $0.70 | $0.47 | $0.98 | $0.84 | $0.18 | $0.23 | $-0.21 |
| BPA Diluido | $0.33 | $0.45 | $0.76 | $0.69 | $0.47 | $0.98 | $0.83 | $0.18 | $0.23 | $-0.21 |
| Acciones en Circulación (Diluidas) | $22.5M | $22.6M | $22.7M | $22.7M | $22.3M | $22.2M | $21.6M | $21.1M | $21.1M | $20.8M |
Cuenta de Resultados (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Ingresos | $19.2M | $19.5M | $7.3M | $15.1M |
| Beneficio Bruto | $13.6M | $13.9M | $992000 | $15.1M |
| Beneficio Operativo | $1.4M | $1.7M | -$10.5M | $2.1M |
| EBITDA | $2.2M | $2.6M | -$9.7M | $2.1M |
| Beneficio Neto | $1.1M | $1.4M | -$8.0M | $1.7M |
| BPA | $0.05 | $0.07 | $-0.39 | $0.08 |
| BPA Diluido | $0.05 | $0.07 | $-0.39 | $0.08 |
Balance (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Caja y Equivalentes | $75.7M | $50.7M | $23.7M | $42.2M | $265.7M | $241.7M | $22.3M | $23.6M | $29.4M | $116.9M |
| Inversiones a Corto | $200.2M | $213.2M | $178.2M | $148.3M | $216.3M | $165.8M | $211.5M | $143.2M | $14.0M | $1.2M |
| Cuentas por Cobrar | $2.9M | $3.5M | $3.9M | $3.7M | $5.2M | $4.7M | $4.8M | $4.4M | $4.5M | $4.1M |
| Inventario | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Activos Corrientes | $282.6M | $271.3M | $210.4M | $201.7M | $500.4M | $424.5M | $254.5M | $171.3M | $48.0M | $122.2M |
| Inmovilizado Material | $16.2M | $15.8M | $15.5M | $17.1M | $19.3M | $18.5M | $21.4M | $22.9M | $23.4M | $22.0M |
| Fondo de Comercio | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M | $27.1M |
| Activos Intangibles | $1.7M | $1.5M | $1.2M | $950000 | $700000 | $529000 | $379000 | $271000 | $171000 | $77000 |
| Activos Totales | $1.13B | $1.15B | $1.16B | $1.18B | $1.55B | $1.74B | $1.59B | $1.52B | $1.51B | $1.46B |
| Cuentas por Pagar | 0 | 0 | 0 | 0 | 0 | $19.3M | $15.7M | 0 | 0 | 0 |
| Deuda a Corto | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pasivos Corrientes | $993.1M | $1.01B | $937.6M | $1.00B | $1.37B | $1.55B | $1.28B | $1.23B | $1.23B | $1.25B |
| Deuda a Largo | $26.4M | $26.5M | $83.2M | $26.7M | $26.7M | $26.8M | $150.7M | $115.3M | $103.5M | $43.3M |
| Pasivos Totales | $1.02B | $1.03B | $1.02B | $1.03B | $1.40B | $1.58B | $1.43B | $1.37B | $1.35B | $1.32B |
| Reservas | $48.3M | $56.6M | $70.4M | $81.9M | $87.9M | $104.9M | $117.8M | $116.5M | $119.7M | $113.7M |
| Patrimonio Neto | $111.3M | $116.9M | $133.1M | $148.8M | $151.6M | $157.2M | $155.2M | $155.6M | $160.0M | $145.6M |
| Deuda Total | $28.8M | $28.9M | $85.6M | $29.0M | $29.1M | $29.1M | $152.9M | $117.5M | $105.6M | $45.3M |
| Deuda Neta | -$247.0M | -$235.0M | -$116.4M | -$161.5M | -$452.9M | -$378.3M | -$80.9M | -$49.4M | $62.1M | -$72.7M |
| Capital Circulante | -$710.5M | -$733.8M | -$727.2M | -$800.6M | -$867.6M | -$1.13B | -$1.03B | -$1.06B | -$1.18B | -$1.13B |
Balance (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caja y Equivalentes | $32.8M | $28.6M | $116.9M | $102.2M |
| Activos Totales | $1.51B | $1.51B | $1.46B | $1.47B |
| Pasivos Totales | $1.35B | $1.35B | $1.32B | $1.33B |
| Patrimonio Neto | $163.5M | $164.2M | $145.6M | $145.3M |
| Deuda Total | $81.5M | $89.7M | $45.3M | $45.3M |
Flujo de Caja (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Beneficio Neto | $7.4M | $10.2M | $17.3M | $15.7M | $10.5M | $21.8M | $18.1M | $3.8M | $4.9M | -$4.3M |
| Amortizaciones | $2.7M | $2.9M | $2.7M | $3.0M | $3.2M | $3.5M | $2.7M | $2.8M | $3.3M | $3.4M |
| Compensación en Acciones | $143000 | $236000 | $44000 | $346000 | $396000 | $319000 | $390000 | $34000 | $384000 | $431000 |
| Cambio en Capital Circulante | $4.9M | -$4.5M | $1.7M | -$3.6M | $3.0M | -$1.2M | -$7.3M | $4.1M | $472000 | $2.6M |
| Flujo de Caja Operativo | $18.1M | $11.9M | $20.2M | $15.9M | $24.2M | $16.5M | $13.6M | $12.8M | $8.3M | $12.0M |
| Inversiones (CapEx) | -$598000 | -$753000 | -$1.0M | -$3.0M | -$3.6M | -$3.3M | -$5.0M | -$5.6M | -$2.7M | -$789000 |
| Adquisiciones | $15.1M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Acciones | 0 | 0 | -$179000 | -$1.0M | -$1.4M | -$1.9M | -$6.7M | -$577000 | -$2.0M | -$2.7M |
| Dividendos Pagados | -$1.8M | -$2.1M | -$3.2M | -$4.1M | -$4.5M | -$4.7M | -$5.1M | -$5.1M | -$2.5M | -$1.7M |
| Flujo de Caja Libre | $17.5M | $11.2M | $19.1M | $13.0M | $20.6M | $13.2M | $8.6M | $7.1M | $5.6M | $11.3M |
Flujo de Caja (Trimestral)
| Año | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Flujo de Caja Operativo | $16.8M | -$506000 | -$3.5M | $2.0M |
| Inversiones (CapEx) | -$393000 | -$230000 | -$90000 | -$155999 |
| Flujo de Caja Libre | $16.4M | -$736000 | -$3.6M | $1.9M |
| Dividendos Pagados | -$418000 | -$418000 | -$414000 | -$410000 |
| Compensación en Acciones | $209000 | $156000 | -$43000 | 0 |
Crecimiento y Márgenes (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| Crecimiento Ingresos (anual) | | +22.6% | +9.0% | +3.1% | -5.4% | +5.3% | +8.5% | -1.6% | +9.6% | -11.6% |
| Crecimiento Beneficio Neto (anual) | | +38.3% | +68.6% | -8.8% | -33.5% | +108.4% | -17.2% | -79.0% | +29.1% | -188.5% |
| Crecimiento BPA (anual) | | +36.4% | +68.9% | -7.9% | -32.9% | +108.5% | -14.3% | -78.6% | +27.8% | -191.3% |
| Cambio en Acciones (anual) | | +0.3% | +0.2% | +0.2% | -1.7% | -0.4% | -2.6% | -2.3% | -0.4% | -1.1% |
| Crecimiento FCF (anual) | | -35.9% | +70.8% | -32.2% | +59.0% | -35.9% | -34.8% | -17.1% | -22.2% | +102.5% |
| Margen Bruto | 95.9% | 95.8% | 95.3% | 90.4% | 83.6% | 103.9% | 92.9% | 72.4% | 69.0% | 64.6% |
| Margen Operativo | 23.6% | 32.2% | 36.8% | 32.7% | 22.6% | 45.2% | 34.9% | 6.9% | 8.5% | -9.0% |
| Margen EBITDA | 29.7% | 37.4% | 41.2% | 37.5% | 28.0% | 50.8% | 38.9% | 11.0% | 13.1% | -3.8% |
| Margen Neto | 16.2% | 18.3% | 28.3% | 25.1% | 17.6% | 34.9% | 26.6% | 5.7% | 6.7% | -6.7% |
| Margen FCF | 38.3% | 20.0% | 31.3% | 20.6% | 34.7% | 21.1% | 12.7% | 10.7% | 7.6% | 17.4% |
| Tasa Impositiva Efectiva | 31.4% | 43.1% | 23.0% | 23.5% | 22.2% | 22.8% | 23.7% | 17.4% | 21.4% | 25.6% |
Datos por Acción (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| FCF por Acción | $0.77 | $0.49 | $0.84 | $0.57 | $0.92 | $0.59 | $0.40 | $0.34 | $0.26 | $0.54 |
| Dividendo por Acción | $0.08 | $0.09 | $0.14 | $0.18 | $0.20 | $0.21 | $0.24 | $0.24 | $0.12 | $0.08 |
| Acciones en Circulación (Básicas) | $22.5M | $22.5M | $22.6M | $22.6M | $22.3M | $22.2M | $21.6M | $21.1M | $21.1M | $20.8M |
Qué mirar en empresas de Financial Services
- Efficiency Ratio (≤55%) — Gastos operativos / ingresos. Bancos top por debajo del 55%.
- ROA (≥1%) — Cuánto ganan por cada euro de activos. En banca el ROE engaña por el apalancamiento.
- ROTCE (≥12%) — Rentabilidad sobre Capital Tangible. Descuenta goodwill e intangibles.
- Capital / Activos (proxy Tier 1) (≥8%) — Proxy del ratio de capital. FMP no expone Tier 1 regulatorio directo.
- P/B (1,0-1,5x) — Métrica clásica bancaria. <1x puede ser oportunidad o distress.
- Rentabilidad por dividendo sostenible (≥2%, <8%) — Bancos UE pagan 5-7% sin estrés. >8% es señal de distress.
Rentabilidad
| Rentabilidad sobre capital | -2.50% |
| Rentabilidad sobre capital invertido | -0.27% |
| Rentabilidad sobre activos | -0.26% |
| Margen bruto | 71.50% |
| Margen operativo | -8.61% |
| Margen neto | -6.35% |
Salud financiera
| Deuda / Patrimonio | 0.31 |
| Ratio corriente | 0.96 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.74 |
Ratios Clave (10 años)
| Año | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|
| P/E | 21.67 | 20.76 | 9.75 | 7.16 | 14.74 | 7.70 | 6.36 | 26.06 | 24.57 | -26.19 |
| P/VC | 1.44 | 1.80 | 1.26 | 0.76 | 1.02 | 1.07 | 0.74 | 0.64 | 0.74 | 0.79 |
| P/V | 3.52 | 3.76 | 2.74 | 1.80 | 2.60 | 2.68 | 1.70 | 1.48 | 1.63 | 1.77 |
| Margen Bruto | 95.9% | 95.8% | 95.3% | 90.4% | 83.6% | 103.9% | 92.9% | 72.4% | 69.0% | 64.6% |
| Margen Operativo | 23.6% | 32.2% | 36.8% | 32.7% | 22.6% | 45.2% | 34.9% | 6.9% | 8.5% | -9.0% |
| Margen Neto | 16.2% | 18.3% | 28.3% | 25.1% | 17.6% | 34.9% | 26.6% | 5.7% | 6.7% | -6.7% |