Riverview Bancorp (NASDAQ:RVSB) and Provident Bancorp (NASDAQ:PVBC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, analyst recommendations, profitability, dividends, risk and earnings.
Insider and Institutional Ownership
59.5% of Riverview Bancorp shares are held by institutional investors. Comparatively, 20.3% of Provident Bancorp shares are held by institutional investors. 7.0% of Riverview Bancorp shares are held by company insiders. Comparatively, 3.3% of Provident Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
This table compares Riverview Bancorp and Provident Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Volatility & Risk
Riverview Bancorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500. Comparatively, Provident Bancorp has a beta of 0.35, suggesting that its stock price is 65% less volatile than the S&P 500.
This is a breakdown of current ratings and price targets for Riverview Bancorp and Provident Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Riverview Bancorp presently has a consensus target price of $10.50, suggesting a potential upside of 23.53%. Given Riverview Bancorp’s higher probable upside, equities research analysts clearly believe Riverview Bancorp is more favorable than Provident Bancorp.
Riverview Bancorp pays an annual dividend of $0.14 per share and has a dividend yield of 1.6%. Provident Bancorp does not pay a dividend. Riverview Bancorp pays out 26.4% of its earnings in the form of a dividend. Riverview Bancorp has raised its dividend for 2 consecutive years.
Earnings & Valuation
This table compares Riverview Bancorp and Provident Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Riverview Bancorp||$55.96 million||3.43||$10.24 million||$0.53||16.04|
|Provident Bancorp||$45.74 million||5.89||$7.91 million||N/A||N/A|
Riverview Bancorp has higher revenue and earnings than Provident Bancorp.
Riverview Bancorp beats Provident Bancorp on 12 of the 15 factors compared between the two stocks.
About Riverview Bancorp
Riverview Bancorp, Inc. operates as the holding company for Riverview Community Bank that provides community banking services to small and medium size businesses, professionals, and individuals. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also provides commercial business, commercial real estate, other real estate mortgage, and real estate construction loans; and consumer loans, such as one-to-four family mortgage loans, home equity lines of credit, land loans, and other secured and unsecured consumer loans. In addition, it is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management services. The company operates through a network of 19 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver, and Longview, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
About Provident Bancorp
Provident Bancorp, Inc. operates as a holding company for The Provident Bank that provides various financial services to individuals and small businesses in the United States. It offers checking, negotiable order of withdrawal, money market, and savings accounts, as well as certificates of deposit. The company also provides commercial real estate, multi-family residential real estate, commercial business, construction and land development, one- to four-family residential, and consumer loans, as well as home equity loans and lines of credit. As of December 31, 2017, it operated through its main office and seven branch offices located in Amesbury and Newburyport, Massachusetts; and Bedford, Exeter, Hampton, Portsmouth, and Seabrook, New Hampshire, as well as three loan production offices located in Dedham, Massachusetts, and Nashua and Portsmouth, New Hampshire. The company was founded in 1828 and is headquartered in Amesbury, Massachusetts. Provident Bancorp, Inc. is a subsidiary of Provident Bancorp.
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