$6.06

-0.01 (-0.16%)

Weekly Expected Move ±1.9%

$6 $6 $6 $6 $6

NASDAQ · Financial Services · Banks - Regional · Tech Score Buy · Power 62 · $121.1M mcap · 17M float · 0.589% daily turnover · Short 28% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$65M -11.6% ▼

5Y CAGR: +1.7%

Gross Profit

$42M -17.2% ▼

5Y CAGR: -3.4%

Operating Income

-$6M -193.5% ▼

Net Income

-$4M -188.5% ▼

EPS (Diluted)

$-0.21 -191.3% ▼

EBITDA

-$2M -125.5% ▼

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2022	FY2023	FY2024	FY2025	FY2026
Revenue	$63M	$68M	$67M	$73M	$65M
YoY Growth	+5.3%	+8.5%	-1.6%	+9.6%	-11.6%
Cost of Revenue	-$2M	$5M	$18M	$23M	$23M
Gross Profit	$65M	$63M	$48M	$50M	$42M
Gross Margin	103.9%	92.9%	72.4%	69.0%	64.6%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$25M	$25M	$26M	$28M	$31M
Operating Expenses	$37M	$39M	$44M	$44M	$48M
Operating Income	$28M	$24M	$5M	$6M	-$6M
Operating Margin	45.2%	34.9%	6.9%	8.5%	-9.0%
Interest Expense	$2M	$4M	$18M	$23M	$22M
Income Before Tax	$28M	$24M	$5M	$6M	-$6M
Tax Expense	$6M	$6M	$802K	$1M	-$1M
Net Income	$22M	$18M	$4M	$5M	-$4M
Net Margin	34.9%	26.6%	5.7%	6.7%	-6.7%
EPS (Diluted)	$0.98	$0.83	$0.18	$0.23	$-0.21
EBITDA	$32M	$26M	$7M	$10M	-$2M
Shares Outstanding	22M	22M	21M	21M	21M

Line Item	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3	FY2026 Q4	FY2027 Q1
Revenue	$19M	$18M	$18M	$19M	$19M	$19M	$7M	$15M
Cost of Revenue	$6M	$6M	$5M	$6M	$6M	$6M	$6M	$0
Gross Profit	$13M	$13M	$13M	$13M	$14M	$14M	$992K	$15M
Gross Margin	67.5%	68.9%	70.9%	70.6%	70.9%	71.6%	13.7%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$7M	$7M	$7M	$653K	$8M	$668K	$7M	$12M
Operating Expenses	$11M	$11M	$11M	$12M	$12M	$12M	$12M	$13M
Operating Income	$2M	$2M	$1M	$2M	$1M	$2M	-$11M	$2M
Operating Margin	10.6%	8.5%	8.0%	8.2%	7.3%	8.9%	-144.9%	14.1%
Interest Expense	$6M	$6M	$5M	$6M	$6M	$5M	$5M	$5M
Income Before Tax	$2M	$2M	$1M	$2M	$1M	$2M	-$11M	$2M
Tax Expense	$425K	$343K	$314K	$322K	$296K	$363K	-$2M	$435K
Net Income	$2M	$1M	$1M	$1M	$1M	$1M	-$8M	$2M
Net Margin	8.3%	6.7%	6.3%	6.5%	5.7%	7.1%	-110.8%	11.3%
EPS (Diluted)	$0.07	$0.06	$0.05	$0.06	$0.05	$0.07	$-0.39	$0.08
EBITDA	$3M	$2M	$2M	$2M	$2M	$3M	-$10M	$2M
Shares Outstanding	21M	21M	21M	21M	21M	21M	21M	20M

RVSB NASDAQ