$5.59

+0.04 (+0.72%)

Weekly Expected Move ±3.8%

$5 $5 $5 $6 $6

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 57 · $115.8M mcap · 18M float · 0.246% daily turnover · Short 64% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

WEAK EDGE

44.8 / 100

NoneWeakNarrowWide

Primary source: Switching Costs · ROIC: 2.1% · 5Y Avg: 8.0%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. RVSB shows a Weak competitive edge (44.8/100) — limited structural advantages that may face competitive pressure. The primary source of advantage is Switching Costs. ROIC of 2.1% suggests modest returns relative to capital deployed.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

Analyst Recommendations

Strong Buy: 0Buy: 1Hold: 0Sell: 2Strong Sell: 0

Rating Summary

ConsensusSell

Avg Target$—

Analysts0

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2022-05-02	Raymond James	—	Initiated	$8	—	+13.0%	$7.08

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. RVSB receives an overall rating of C+. Strongest factors: DCF (4/5). Areas of concern: ROE (1/5), ROA (1/5), P/E (1/5).

Rating Change History

Date	From	To
2026-05-18	B-	C+
2026-05-06	C+	B-
2026-05-05	C	C+
2026-04-30	B-	C
2026-04-30	B	B-
2026-04-22	B+	B
2026-04-01	B-	B+
2026-01-26	B	B-
2026-01-03	B-	B

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 53 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. RVSB scores highest in Earnings Quality (92/100) and lowest in Balance Sheet (23/100). An overall grade of A places RVSB among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

2.01

Grey Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✓ ✗ ✗ ✓ ✓ ✓

Beneish M-Score

-2.50

Unlikely Manipulator

Ohlson O-Score

-1.84

Bankruptcy prob: 13.8%

Moderate

Credit Rating

BB-

Score: 38.8/100

Trend: Improving

Earnings Quality

100/100

OCF/NI: 3.85x

Accruals: -0.9%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. RVSB scores 2.01, placing it in the Grey Zone (safe > 3.0, distress < 1.5). Financial distress is possible and warrants monitoring. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. RVSB scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. RVSB's score of -2.50 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. RVSB's implied 13.8% bankruptcy probability is elevated and warrants attention to the balance sheet. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. RVSB receives an estimated rating of BB- (score: 38.8/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). RVSB's score of 100/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-26.74x

PEG

0.14x

P/S

1.80x

P/B

0.80x

P/FCF

6.49x

P/OCF

6.18x

EV/EBITDA

18.47x

EV/Revenue

2.33x

EV/EBIT

29.14x

EV/FCF

10.09x

Earnings Yield

4.20%

FCF Yield

15.40%

Shareholder Yield

4.01%

Graham Number

$6.21

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. RVSB currently has negative earnings — the P/E ratio is not meaningful. Graham's intrinsic value formula yields $6.21 per share, suggesting a potential 11% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.787

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

0.080

EBIT / Rev

Asset Turnover

0.049

Rev / Assets

Equity Multiplier

9.616

Assets / Equity

ROE

3.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. RVSB's ROE of 3.0% is driven by financial leverage (equity multiplier: 9.62x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

370.47%

Fair P/E

749.44x

Intrinsic Value

$168.29

Price/Value

0.03x

Margin of Safety

96.82%

Premium

-96.82%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with RVSB's realized 370.5% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $168.29, RVSB appears undervalued with a 97% margin of safety. The adjusted fair P/E of 749.4x compares to the current market P/E of -26.7x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$5.59

Median 1Y

$5.16

5th Pctile

$2.91

95th Pctile

$9.26

Ann. Volatility

37.3%

25th–75th percentile 5th–95th percentile Median path Historical

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
B. Nicole Sherman President and Chief Executive Officer	$318,750	$896,060	$1,481,716
C. Evan Sowers President and Chief Executive Officer of Riverview Trust Company	$323,060	$62,398	$540,651
Daniel D. Cox Executive Vice President and Chief Operating Officer	$324,821	$63,861	$458,684

CEO Pay Ratio

13:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,481,716

Avg Employee Cost (SGA/emp): $117,920

Employees: 238

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

238

+5.3% YoY

Revenue / Employee

$307,639

Rev: $73,218,000

Profit / Employee

$20,601

NI: $4,903,000

SGA / Employee

$117,920

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
ROE	7.1%	7.0%	10.5%	13.1%	14.1%	14.1%	13.4%	12.6%	12.4%	11.6%	10.4%	8.7%	6.2%	2.4%	1.2%	0.6%	0.5%	3.1%	3.3%	3.0%	2.98%
ROA	0.9%	0.8%	1.2%	1.4%	1.5%	1.3%	1.3%	1.2%	1.2%	1.1%	1.0%	0.8%	0.6%	0.2%	0.1%	0.1%	0.1%	0.3%	0.3%	0.3%	0.31%
ROIC	-78.8%	-3.5%	-5.2%	-6.5%	-7.0%	-9.9%	-9.4%	-8.8%	-8.7%	24.3%	21.9%	18.2%	13.1%	3.6%	1.8%	0.9%	0.7%	2.2%	2.3%	2.1%	2.12%
ROCE	7.2%	7.4%	11.2%	14.0%	15.1%	15.1%	14.4%	13.6%	13.4%	7.7%	6.9%	5.7%	4.1%	1.6%	0.7%	0.3%	0.2%	2.2%	2.3%	2.1%	2.13%
Gross Margin	94.9%	95.4%	1.1%	1.0%	1.0%	1.0%	96.7%	96.2%	95.7%	83.0%	79.1%	76.0%	71.4%	61.2%	68.6%	67.5%	68.9%	70.9%	70.6%	70.9%	70.90%
Operating Margin	34.7%	30.0%	47.3%	52.1%	45.8%	35.2%	36.9%	39.3%	39.2%	24.2%	21.3%	18.2%	10.6%	-27.5%	6.9%	10.6%	8.5%	8.0%	8.2%	7.3%	7.26%
Net Margin	26.7%	23.2%	37.1%	40.1%	35.2%	26.9%	28.5%	30.2%	30.1%	17.6%	16.5%	14.2%	8.4%	-20.1%	5.4%	8.3%	6.7%	6.3%	6.5%	5.7%	5.72%
EBITDA Margin	40.2%	35.9%	52.9%	57.9%	51.4%	40.8%	41.7%	43.1%	42.6%	27.9%	24.9%	21.9%	14.3%	-21.9%	11.2%	14.8%	13.2%	12.9%	12.9%	11.6%	11.61%
FCF Margin	15.8%	34.7%	27.7%	36.3%	23.8%	21.1%	25.3%	21.7%	25.3%	12.7%	17.5%	11.7%	21.6%	10.7%	8.2%	5.8%	-5.6%	7.6%	-0.7%	23.1%	23.12%
OCF Margin	23.9%	40.7%	33.0%	40.5%	29.2%	26.3%	30.0%	26.3%	32.4%	20.0%	27.4%	22.2%	27.9%	19.1%	13.5%	12.3%	0.8%	11.3%	2.9%	24.3%	24.27%
ROE 3Y Avg	snapshot only																				4.10%
ROE 5Y Avg	snapshot only																				7.53%
ROA 3Y Avg	snapshot only																				0.41%
ROIC 3Y Avg	snapshot only																				3.34%
ROIC Economic	snapshot only																				1.78%
Cash ROA	snapshot only																				1.20%
Cash ROIC	snapshot only																				8.16%
CROIC	snapshot only																				7.77%
NOPAT Margin	snapshot only																				6.30%
Pretax Margin	snapshot only																				8.01%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				30.32%
SBC / Revenue	snapshot only																				0.87%

Valuation

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
P/E Ratio	10.15	12.83	8.79	7.22	7.15	6.85	6.29	6.40	7.87	5.84	6.12	8.22	13.23	25.28	42.84	96.80	151.30	23.95	22.19	23.83	-26.737
P/S Ratio	1.69	2.26	2.30	2.31	2.44	2.39	2.05	1.93	2.28	1.55	1.45	1.61	1.87	1.44	1.22	1.42	1.71	1.60	1.54	1.50	1.796
P/B Ratio	0.68	0.89	0.91	0.94	1.00	0.95	0.83	0.79	0.96	0.68	0.64	0.72	0.83	0.62	0.53	0.63	0.77	0.73	0.72	0.70	0.797
P/FCF	10.65	6.52	8.32	6.37	10.24	11.31	8.14	8.91	9.01	12.25	8.25	13.81	8.67	13.45	14.94	24.66	-30.70	21.13	-211.31	6.49	6.492
P/OCF	7.04	5.56	6.99	5.70	8.36	9.08	6.84	7.33	7.05	7.77	5.27	7.26	6.72	7.53	9.03	11.58	219.69	14.20	53.59	6.18	6.182
EV/EBITDA	-3.78	-19.11	-13.34	-10.79	-9.80	-7.20	-8.16	-8.89	-8.14	0.93	0.78	1.50	3.14	6.34	6.50	11.93	17.50	18.77	17.69	18.47	18.474
EV/Revenue	-1.01	-5.36	-5.23	-5.07	-4.88	-3.66	-3.91	-3.93	-3.43	0.36	0.27	0.44	0.70	0.70	0.49	0.70	1.00	2.45	2.38	2.33	2.333
EV/EBIT	-4.68	-23.67	-15.55	-12.28	-11.07	-8.09	-9.20	-10.01	-9.08	1.04	0.88	1.71	3.77	10.15	15.31	49.75	97.77	28.79	26.91	29.14	29.137
EV/FCF	-6.38	-15.45	-18.91	-13.98	-20.46	-17.33	-15.50	-18.14	-13.54	2.86	1.55	3.77	3.23	6.54	5.98	12.17	-17.97	32.31	-325.96	10.09	10.092
Earnings Yield	9.9%	7.8%	11.4%	13.8%	14.0%	14.6%	15.9%	15.6%	12.7%	17.1%	16.3%	12.2%	7.6%	4.0%	2.3%	1.0%	0.7%	4.2%	4.5%	4.2%	4.20%
FCF Yield	9.4%	15.3%	12.0%	15.7%	9.8%	8.8%	12.3%	11.2%	11.1%	8.2%	12.1%	7.2%	11.5%	7.4%	6.7%	4.1%	-3.3%	4.7%	-0.5%	15.4%	15.40%
PEG Ratio	snapshot only																				0.140
Price/Tangible Book	snapshot only																				0.844
EV/OCF	snapshot only																				9.610
EV/Gross Profit	snapshot only																				3.317
Acquirers Multiple	snapshot only																				29.137
Shareholder Yield	snapshot only																				4.01%
Graham Number	snapshot only																				$6.21

Leverage & Solvency

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Current Ratio	0.20	0.37	0.37	0.37	0.37	0.27	0.27	0.27	0.27	0.20	0.20	0.20	0.20	0.14	0.14	0.14	0.14	0.04	0.04	0.04	0.039
Quick Ratio	0.20	0.37	0.37	0.37	0.37	0.27	0.27	0.27	0.27	0.20	0.20	0.20	0.20	0.14	0.14	0.14	0.14	0.04	0.04	0.04	0.039
Debt/Equity	0.20	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.19	0.98	0.98	0.98	0.98	0.76	0.76	0.76	0.76	0.66	0.66	0.66	0.660
Net Debt/Equity	-1.08	-2.99	-2.99	-2.99	-2.99	-2.41	-2.41	-2.41	-2.41	-0.52	-0.52	-0.52	-0.52	-0.32	-0.32	-0.32	-0.32	0.39	0.39	0.39	0.388
Debt/Assets	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.10	0.10	0.10	0.10	0.08	0.08	0.08	0.08	0.07	0.07	0.07	0.070
Debt/EBITDA	1.82	1.74	1.23	1.01	0.94	0.92	0.96	1.02	1.04	5.80	6.41	7.55	9.98	15.96	23.17	29.12	29.49	11.04	10.57	11.20	11.197
Net Debt/EBITDA	-10.10	-27.18	-19.22	-15.71	-14.70	-11.90	-12.44	-13.26	-13.55	-3.07	-3.39	-3.99	-5.28	-6.70	-9.74	-12.24	-12.39	6.50	6.22	6.59	6.590
Interest Coverage	3.23	3.93	6.85	9.54	11.43	12.85	12.86	11.71	10.35	5.83	2.99	1.66	0.86	0.25	0.11	0.04	0.03	0.28	0.29	0.27	0.270
Equity Multiplier	7.93	10.22	10.22	10.22	10.22	11.07	11.07	11.07	11.07	10.24	10.24	10.24	10.24	9.78	9.78	9.78	9.78	9.46	9.46	9.46	9.457
Cash Ratio	snapshot only																				0.035
Debt Service Coverage	snapshot only																				0.425
Cash to Debt	snapshot only																				0.412
FCF to Debt	snapshot only																				0.163
Defensive Interval	snapshot only																				376.3 days

Efficiency & Turnover

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Asset Turnover	0.05	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.049
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	15.72	13.30	13.44	13.73	13.85	12.66	12.82	13.06	13.41	14.38	14.57	14.62	14.60	14.51	14.63	14.92	15.17	16.38	16.61	16.71	16.707
Payables Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
DSO	23	27	27	27	26	29	28	28	27	25	25	25	25	25	25	24	24	22	22	22	21.8 days
DIO	0	0	0	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	0	0	0	—	—	—	—	0	0	0	0	0	0	0	0	0	0	0	0	0	—
Cash Conversion Cycle	23	27	27	—	—	—	—	28	27	25	25	25	25	25	25	24	24	22	22	22	—
Fixed Asset Turnover	snapshot only																				3.188
Cash Velocity	snapshot only																				1.719
Capital Intensity	snapshot only																				20.264

Growth (YoY)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue	-5.1%	-5.4%	-3.1%	1.0%	3.3%	5.3%	5.5%	5.2%	7.1%	8.5%	8.5%	6.9%	4.0%	-1.6%	-2.1%	-0.5%	1.3%	9.6%	10.3%	8.8%	8.77%
Net Income	-41.7%	-33.5%	30.8%	95.5%	1.1%	1.1%	31.6%	-0.8%	-9.0%	-17.2%	-21.5%	-30.5%	-49.2%	-79.0%	-88.2%	-92.6%	-91.9%	29.1%	1.7%	3.7%	3.67%
EPS	-40.5%	-32.3%	30.3%	96.2%	1.1%	1.1%	33.5%	1.8%	-6.2%	-14.2%	-18.2%	-29.1%	-48.3%	-78.7%	-88.2%	-92.5%	-91.9%	29.7%	1.7%	3.7%	3.70%
FCF	-37.1%	59.0%	48.6%	2.4%	55.6%	-35.9%	-3.7%	-37.1%	13.7%	-34.8%	-24.6%	-42.4%	-11.3%	-17.1%	-54.3%	-50.9%	-1.3%	-22.2%	-1.1%	3.4%	3.37%
EBITDA	-36.6%	-29.2%	26.3%	79.3%	92.7%	90.8%	29.0%	-1.0%	-9.4%	-17.1%	-21.5%	-29.0%	-45.1%	-72.1%	-78.8%	-80.1%	-74.0%	29.9%	97.0%	1.3%	1.34%
Op. Income	-42.0%	-34.6%	28.5%	93.5%	1.1%	1.1%	33.3%	0.1%	-8.3%	-16.3%	-20.9%	-30.1%	-49.0%	-80.6%	-89.9%	-94.5%	-94.4%	35.6%	2.0%	5.2%	5.18%
OCF Growth	snapshot only																				1.15%
Asset Growth	snapshot only																				-0.54%
Equity Growth	snapshot only																				2.84%
Debt Growth	snapshot only																				-10.12%
Shares Change	snapshot only																				-0.71%
Dividend Growth	snapshot only																				-60.20%

Growth (CAGR)

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue 3Y	3.2%	2.0%	1.6%	1.6%	1.4%	0.9%	1.0%	1.2%	1.6%	2.6%	3.5%	4.3%	4.8%	4.0%	3.9%	3.8%	4.1%	5.4%	5.4%	5.0%	4.97%
Revenue 5Y	8.5%	8.1%	7.9%	7.7%	7.4%	6.5%	5.4%	4.6%	4.0%	3.9%	3.7%	3.3%	3.0%	1.8%	1.8%	2.0%	2.0%	3.1%	3.7%	4.2%	4.22%
EPS 3Y	2.8%	1.2%	9.9%	14.9%	10.3%	8.9%	7.8%	5.7%	6.0%	6.8%	12.5%	12.3%	1.2%	-27.3%	-49.4%	-62.2%	-66.0%	-38.1%	-36.0%	-37.1%	-37.06%
EPS 5Y	9.2%	10.6%	19.7%	25.2%	26.0%	24.6%	20.5%	15.9%	16.9%	13.3%	7.7%	1.9%	-8.2%	-25.1%	-34.4%	-42.6%	-45.1%	-19.5%	-14.6%	-13.0%	-13.02%
Net Income 3Y	2.4%	0.7%	9.4%	14.2%	9.5%	8.1%	6.8%	4.0%	4.0%	4.7%	10.5%	10.5%	-0.7%	-28.7%	-50.4%	-62.8%	-66.6%	-39.2%	-37.1%	-37.7%	-37.73%
Net Income 5Y	9.0%	10.5%	19.5%	24.8%	25.5%	24.1%	19.9%	14.9%	15.7%	12.0%	6.2%	0.5%	-9.5%	-26.1%	-35.3%	-43.4%	-46.0%	-20.8%	-15.6%	-14.1%	-14.08%
EBITDA 3Y	-6.9%	-7.3%	1.4%	7.3%	9.0%	8.2%	6.9%	4.0%	3.5%	3.9%	8.5%	8.0%	-1.4%	-23.8%	-40.1%	-48.1%	-49.4%	-33.0%	-31.0%	-30.9%	-30.87%
EBITDA 5Y	4.5%	5.0%	12.1%	16.8%	18.5%	18.4%	15.2%	10.6%	7.1%	4.7%	1.1%	-2.8%	-8.4%	-21.8%	-27.3%	-30.8%	-30.9%	-16.5%	-11.8%	-10.1%	-10.12%
Gross Profit 3Y	-2.5%	-2.5%	1.0%	3.0%	3.7%	3.8%	3.5%	3.2%	3.2%	3.5%	5.8%	5.8%	3.3%	-0.9%	-6.3%	-9.0%	-9.8%	-8.1%	-7.1%	-6.5%	-6.54%
Gross Profit 5Y	4.1%	4.6%	7.4%	8.5%	8.7%	8.2%	6.7%	5.4%	4.3%	3.3%	2.0%	0.5%	-1.3%	-3.6%	-4.2%	-4.6%	-4.5%	-2.3%	0.0%	1.5%	1.53%
Op. Income 3Y	-8.4%	-9.2%	0.8%	7.3%	9.1%	8.1%	6.8%	4.0%	3.9%	4.8%	10.7%	10.6%	-0.4%	-30.1%	-52.6%	-66.3%	-70.3%	-39.6%	-37.6%	-38.2%	-38.22%
Op. Income 5Y	6.3%	6.6%	15.4%	21.0%	21.8%	21.2%	17.1%	11.6%	8.3%	5.6%	1.6%	-2.9%	-9.5%	-27.1%	-37.2%	-46.7%	-49.8%	-21.2%	-16.0%	-14.5%	-14.51%
FCF 3Y	-8.1%	22.6%	1.1%	5.0%	-16.1%	-11.6%	-9.4%	-7.6%	3.6%	-12.7%	2.6%	7.3%	16.2%	-29.8%	-30.8%	-43.8%	—	-25.1%	—	7.3%	7.26%
FCF 5Y	3.0%	14.0%	6.9%	10.5%	-0.2%	-5.7%	3.3%	-3.0%	6.6%	-5.1%	-5.6%	-16.0%	-9.8%	-17.9%	-23.9%	-25.9%	—	-15.6%	—	21.5%	21.48%
OCF 3Y	3.5%	26.5%	5.4%	7.5%	-11.1%	-6.5%	-5.4%	-3.9%	7.7%	-5.2%	8.2%	11.0%	10.2%	-19.2%	-22.8%	-30.3%	-68.9%	-20.5%	-51.8%	2.1%	2.14%
OCF 5Y	10.9%	16.9%	10.1%	12.4%	3.6%	-2.1%	6.0%	0.2%	10.6%	2.6%	2.2%	-5.2%	-5.6%	-8.7%	-16.5%	-15.2%	-49.9%	-12.3%	-32.2%	10.1%	10.07%
Assets 3Y	1.4%	10.4%	10.4%	10.4%	10.4%	14.6%	14.6%	14.6%	14.6%	10.4%	10.4%	10.4%	10.4%	-0.6%	-0.6%	-0.6%	-0.6%	-4.5%	-4.5%	-4.5%	-4.55%
Assets 5Y	6.6%	11.0%	11.0%	11.0%	11.0%	8.9%	8.9%	8.9%	8.9%	6.7%	6.7%	6.7%	6.7%	5.6%	5.6%	5.6%	5.6%	5.1%	5.1%	5.1%	5.09%
Equity 3Y	10.2%	9.0%	9.0%	9.0%	9.0%	5.7%	5.7%	5.7%	5.7%	1.4%	1.4%	1.4%	1.4%	0.9%	0.9%	0.9%	0.9%	0.6%	0.6%	0.6%	0.58%
Book Value 3Y	10.7%	9.5%	9.5%	9.8%	9.8%	6.5%	6.7%	7.4%	7.7%	3.5%	3.2%	3.1%	3.3%	2.8%	2.8%	2.6%	2.7%	2.4%	2.3%	1.7%	1.67%
Dividend 3Y	5.7%	3.6%	1.7%	1.3%	1.3%	2.2%	3.2%	5.3%	5.4%	5.2%	4.5%	2.7%	2.3%	1.7%	1.3%	-4.6%	-11.3%	-19.3%	-29.6%	-25.7%	-25.65%

Growth Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Revenue Stability	0.82	0.76	0.74	0.73	0.70	0.66	0.70	0.76	0.74	0.74	0.79	0.86	0.84	0.64	0.64	0.73	0.76	0.74	0.81	0.93	0.928
Earnings Stability	0.41	0.41	0.67	0.58	0.52	0.50	0.69	0.51	0.40	0.31	0.34	0.06	0.02	0.17	0.23	0.28	0.35	0.33	0.36	0.38	0.383
Margin Stability	0.92	0.94	0.94	0.92	0.91	0.92	0.93	0.91	0.91	0.92	0.92	0.90	0.88	0.87	0.86	0.85	0.83	0.83	0.84	0.84	0.841
Rev. Growth Consistency	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	1.00	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.500
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0	1	0	1	1
Earnings Persistence	0.83	0.87	0.88	0.50	0.50	0.50	0.87	1.00	0.96	0.93	0.91	0.88	0.80	0.50	0.50	0.50	0.50	0.88	0.50	0.50	0.500
Earnings Smoothness	0.47	0.60	0.73	0.35	0.28	0.30	0.73	0.99	0.91	0.81	0.76	0.64	0.35	0.00	0.00	0.00	0.00	0.75	0.09	0.00	0.000
ROE Trend	-0.07	-0.05	-0.00	0.03	0.04	0.05	0.04	0.03	0.02	0.01	-0.01	-0.04	-0.07	-0.10	-0.11	-0.10	-0.09	-0.04	-0.03	-0.02	-0.017
Gross Margin Trend	-0.14	-0.09	0.06	0.13	0.16	0.17	0.13	0.10	0.06	-0.01	-0.10	-0.16	-0.23	-0.26	-0.25	-0.24	-0.21	-0.14	-0.10	-0.05	-0.051
FCF Margin Trend	-0.17	0.09	0.01	0.17	0.04	-0.07	0.02	-0.02	0.05	-0.15	-0.09	-0.17	-0.03	-0.06	-0.13	-0.11	-0.29	-0.04	-0.14	0.14	0.144
Sustainable Growth Rate	3.9%	4.0%	7.5%	10.1%	11.0%	11.1%	10.3%	9.4%	9.2%	8.3%	7.1%	5.4%	3.0%	-0.8%	-2.0%	-2.1%	-1.7%	1.5%	2.2%	1.9%	1.91%
Internal Growth Rate	0.5%	0.4%	0.8%	1.1%	1.2%	1.1%	1.0%	0.9%	0.9%	0.8%	0.7%	0.5%	0.3%	—	—	—	—	0.2%	0.2%	0.2%	0.20%

Cash Flow Quality

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
OCF/Net Income	1.44	2.31	1.26	1.27	0.86	0.75	0.92	0.87	1.12	0.75	1.16	1.13	1.97	3.36	4.75	8.36	0.69	1.69	0.41	3.85	3.854
FCF/OCF	0.66	0.85	0.84	0.90	0.82	0.80	0.84	0.82	0.78	0.63	0.64	0.53	0.77	0.56	0.60	0.47	-7.16	0.67	-0.25	0.95	0.952
FCF/Net Income	snapshot only																				3.670
OCF/EBITDA	snapshot only																				1.922
CapEx/Revenue	8.1%	6.0%	5.3%	4.3%	5.3%	5.2%	4.8%	4.7%	7.1%	7.3%	9.9%	10.5%	6.3%	8.4%	5.4%	6.5%	6.3%	3.7%	3.6%	1.2%	1.16%
CapEx/Depreciation	snapshot only																				0.251
Accruals Ratio	-0.00	-0.01	-0.00	-0.00	0.00	0.00	0.00	0.00	-0.00	0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	0.00	-0.00	0.00	-0.01	-0.009
Sloan Accruals	snapshot only																				-0.084
Cash Flow Adequacy	snapshot only																				7.115
Earnings Quality Score	snapshot only																				1.000

Dividends & Buybacks

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Dividend Yield	4.4%	3.3%	3.2%	3.2%	3.0%	3.1%	3.7%	4.0%	3.3%	4.9%	5.2%	4.6%	4.0%	5.3%	6.2%	4.3%	2.8%	2.2%	1.5%	1.5%	1.42%
Dividend/Share	$0.20	$0.20	$0.20	$0.20	$0.21	$0.21	$0.22	$0.23	$0.23	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.20	$0.16	$0.12	$0.08	$0.08	$0.08
Payout Ratio	45.1%	42.8%	28.3%	22.8%	21.6%	21.4%	23.0%	25.5%	26.3%	28.3%	31.8%	37.8%	52.3%	1.3%	2.6%	4.2%	4.3%	51.7%	32.7%	35.8%	35.78%
FCF Payout Ratio	47.4%	21.7%	26.8%	20.1%	31.0%	35.4%	29.8%	35.5%	30.1%	59.4%	42.9%	63.6%	34.3%	71.1%	92.1%	1.1%	—	45.6%	—	9.7%	9.75%
Total Payout Ratio	59.7%	56.6%	31.5%	31.5%	29.8%	30.3%	36.2%	51.2%	52.7%	65.4%	68.7%	56.4%	77.3%	1.5%	2.6%	4.2%	5.7%	92.5%	71.4%	95.5%	95.54%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	0	0	0	0	0	0
Chowder Number	0.21	0.13	0.07	0.05	0.05	0.07	0.11	0.15	0.14	0.14	0.14	0.08	0.05	0.05	0.04	-0.13	-0.31	-0.48	-0.65	-0.59	-0.587
Buyback Yield	1.4%	1.1%	0.4%	1.2%	1.1%	1.3%	2.1%	4.0%	3.4%	6.4%	6.0%	2.3%	1.9%	0.6%	0.0%	0.0%	0.9%	1.7%	1.7%	2.5%	2.51%
Net Buyback Yield	1.4%	1.1%	0.4%	1.2%	1.1%	1.3%	2.1%	4.0%	3.4%	6.4%	6.0%	2.2%	1.9%	0.6%	0.0%	0.0%	0.9%	1.7%	1.7%	2.5%	2.51%
Total Shareholder Return	5.9%	4.4%	3.6%	4.4%	4.2%	4.4%	5.8%	8.0%	6.7%	11.2%	11.2%	6.8%	5.8%	5.9%	6.2%	4.3%	3.8%	3.9%	3.2%	4.0%	4.01%

DuPont Factors

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Tax Burden (NI/EBT)	0.77	0.78	0.78	0.77	0.77	0.77	0.77	0.77	0.77	0.76	0.76	0.76	0.76	0.83	0.89	1.04	1.10	0.79	0.79	0.79	0.787
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.22	0.23	0.34	0.41	0.44	0.45	0.43	0.39	0.38	0.35	0.31	0.26	0.18	0.07	0.03	0.01	0.01	0.09	0.09	0.08	0.080
Asset Turnover	0.05	0.04	0.04	0.04	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.049
Equity Multiplier	8.29	9.09	9.09	9.09	9.09	10.65	10.65	10.65	10.65	10.66	10.66	10.66	10.66	10.01	10.01	10.01	10.01	9.62	9.62	9.62	9.616

Per Share

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
EPS (Diluted TTM)	$0.45	$0.47	$0.70	$0.88	$0.95	$0.98	$0.94	$0.90	$0.89	$0.84	$0.77	$0.64	$0.46	$0.18	$0.09	$0.05	$0.04	$0.23	$0.25	$0.22	$0.22
Book Value/Share	$6.66	$6.78	$6.78	$6.83	$6.84	$7.09	$7.14	$7.27	$7.31	$7.25	$7.34	$7.33	$7.35	$7.37	$7.37	$7.37	$7.40	$7.62	$7.63	$7.64	$7.05
Tangible Book/Share	$5.41	$5.54	$5.54	$5.58	$5.58	$5.85	$5.88	$5.99	$6.03	$5.97	$6.04	$6.03	$6.05	$6.07	$6.07	$6.08	$6.10	$6.32	$6.33	$6.34	$6.34
Revenue/Share	$2.68	$2.66	$2.69	$2.76	$2.79	$2.82	$2.88	$2.98	$3.08	$3.17	$3.25	$3.26	$3.26	$3.16	$3.19	$3.25	$3.32	$3.49	$3.54	$3.57	$3.13
FCF/Share	$0.42	$0.92	$0.74	$1.00	$0.67	$0.60	$0.73	$0.65	$0.78	$0.40	$0.57	$0.38	$0.70	$0.34	$0.26	$0.19	$-0.18	$0.26	$-0.03	$0.82	$0.71
OCF/Share	$0.64	$1.08	$0.89	$1.12	$0.81	$0.74	$0.86	$0.79	$1.00	$0.63	$0.89	$0.72	$0.91	$0.60	$0.43	$0.40	$0.03	$0.39	$0.10	$0.87	$0.75
Cash/Share	$8.53	$21.55	$21.56	$21.72	$21.73	$18.38	$18.49	$18.83	$18.94	$10.92	$11.06	$11.03	$11.07	$7.90	$7.90	$7.91	$7.93	$2.07	$2.07	$2.07	$5.65
EBITDA/Share	$0.72	$0.75	$1.05	$1.30	$1.39	$1.43	$1.38	$1.32	$1.30	$1.23	$1.13	$0.96	$0.73	$0.35	$0.24	$0.19	$0.19	$0.46	$0.48	$0.45	$0.45
Debt/Share	$1.30	$1.30	$1.30	$1.31	$1.31	$1.31	$1.32	$1.35	$1.35	$7.14	$7.23	$7.22	$7.24	$5.56	$5.56	$5.57	$5.58	$5.03	$5.03	$5.04	$5.04
Net Debt/Share	$-7.23	$-20.25	$-20.26	$-20.41	$-20.42	$-17.06	$-17.17	$-17.49	$-17.59	$-3.78	$-3.83	$-3.82	$-3.83	$-2.34	$-2.34	$-2.34	$-2.35	$2.96	$2.96	$2.97	$2.97

Academic Models

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	2.010
Altman Z-Prime	snapshot only																				-4.763
Piotroski F-Score	6	7	7	8	7	6	5	4	6	4	5	5	5	5	5	5	4	7	6	7	7
Beneish M-Score	-2.56	-2.22	-2.35	-2.24	-2.15	-2.50	-2.43	-2.44	-2.42	-2.29	-2.33	-2.30	-2.30	-2.40	-2.49	-2.50	-2.52	-2.45	-2.27	-2.50	-2.504
Ohlson O-Score	snapshot only																				-1.836
Net-Net WC	snapshot only																				$-62.31
EVA	snapshot only																				$-17511300.00

Credit

Metric	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Q2'26	Current
Credit Rating	snapshot only																				BB-
Credit Score	71.12	74.00	82.51	88.51	89.95	80.63	85.65	79.35	86.15	55.16	54.11	51.51	48.75	37.14	35.36	35.31	34.55	40.64	38.64	38.79	38.786
Credit Grade	snapshot only																				13
Credit Trend	snapshot only																				3.476
Implied Spread (bps)	snapshot only																				550.000
Industry Credit Rank	snapshot only																				18
Sector Credit Rank	snapshot only																				25

RVSB NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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