Stock Ratings / Financials / RVSB / options

SFBC (65) PROV (64) MGYR (68) BYFC (37) ⌘ Pro Terminal →

Riverview Bancorp Inc (RVSB) Options Positioning, Max Pain & Unusual Sweeps

$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 56/100 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 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $119.4M

📤 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 2026-11-02, Riverview Bancorp Inc (NASDAQ: RVSB) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $6.01 (+1.52% 1D, market cap $119.4M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, 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 #546 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+ (56/100 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 $112.8M). 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 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% 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-0.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RVSB)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY RVSB SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+14/20 pts (25% of score)

FRED Regime × Technicals: 84% of 52W Range • RSI-14 at 48.8 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Cash Engine Quality+11/20 pts (20% of score)

SEC XBRL FY 2025 (10-K): 0.3% FCF Margin ($12.0M FCF) & 52% Gross Margin

▼ #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 D$6.01-0.2% Next Q

Q2 (-2Q)

Grade C-$6.00+1.2% Next Q

Q3 (-1Q)

Grade C-$6.07-1% Next Q

Current

Grade D+$6.01-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)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 56/100 (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 ($5.74) or 200D SMA ($5.49) invalidates the momentum regime and cuts Target Base ($5.96) toward Bear Floor ($4.65).

🎲 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 56%NO 44%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (RVSB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for RVSB.

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

2026-11-02O $6.03H $6.03L $5.92C $6.01VOL 49.0K

RES: $6.40SUP: $4.76SMA50: $5.74SMA200: $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 #546 of 1096 ⚔️ SFBC vs RVSB Full Matrix →

1. Head-to-Head Financials Peer Comparison (RVSB vs. SFBC, PROV, MGYR, BYFC)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Riverview Bancorp Inc (RVSB) ranks #546 by composite RQD confidence (56/100, grade D+) and #944 by equity capitalization ($119.4M). 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 68/100 (C+) compared with RVSB at 56/100 (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+	56/100	—	—	-2.6%	+1.52%	$119.4M	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%	$112.8M	/prov-vs-rvsb →
MGYR Magyar Bancorp Inc.	C+	68/100	13.4x	—	8.0%	+10.18%	$130.7M	/mgyr-vs-rvsb →
BYFC Broadway Financial Corporation (Class A)	D-	37/100	—	—	-9.4%	-0.17%	$106.5M	/byfc-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 +4.70% above its 50-day simple moving average ($5.74) 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 48.8 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($5.76 to $6.26).

RVSB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is RVSB's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for RVSB.

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