Riverview Bancorp (NASDAQ:RVSB) and Southern Banc (OTCMKTS:SRNN) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their profitability, risk, earnings, valuation, analyst recommendations, dividends and institutional ownership.
This is a summary of current recommendations and price targets for Riverview Bancorp and Southern Banc, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Riverview Bancorp currently has a consensus target price of $10.50, suggesting a potential upside of 42.08%. Given Riverview Bancorp’s higher possible upside, equities analysts plainly believe Riverview Bancorp is more favorable than Southern Banc.
This table compares Riverview Bancorp and Southern Banc’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Insider & Institutional Ownership
60.8% of Riverview Bancorp shares are held by institutional investors. 7.0% of Riverview Bancorp shares are held by company insiders. Comparatively, 22.0% of Southern Banc shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Riverview Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 2.2%. Southern Banc does not pay a dividend. Riverview Bancorp pays out 30.2% of its earnings in the form of a dividend. Riverview Bancorp has raised its dividend for 3 consecutive years.
Valuation and Earnings
This table compares Riverview Bancorp and Southern Banc’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Riverview Bancorp||$55.96 million||2.98||$10.24 million||$0.53||13.94|
|Southern Banc||$5.53 million||1.28||-$560,000.00||N/A||N/A|
Riverview Bancorp has higher revenue and earnings than Southern Banc.
Risk and Volatility
Riverview Bancorp has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500.
Riverview Bancorp beats Southern Banc on 12 of the 14 factors compared between the two stocks.
Riverview Bancorp Company Profile
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.
Southern Banc Company Profile
The Southern Banc Company, Inc. operates as the holding company for The Southern Bank Company that provides various banking products and services in Alabama. Its personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. The company's business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. It also offers commercial accounts, accounts receivable management, factoring services, and online banking and ATM services. The company operates through four full service banking offices located in Gadsden, Albertville, Guntersville, and Centre, as well as through one commercial finance office located in Birmingham. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.
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