Equitable Financial (NASDAQ:EQFN) and Riverview Bancorp (NASDAQ:RVSB) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, profitability, risk, institutional ownership, earnings, dividends and analyst recommendations.
Institutional & Insider Ownership
24.9% of Equitable Financial shares are owned by institutional investors. Comparatively, 60.9% of Riverview Bancorp shares are owned by institutional investors. 11.3% of Equitable Financial shares are owned by company insiders. Comparatively, 7.0% of Riverview Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares Equitable Financial and Riverview Bancorp’s top-line 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||3.02||$10.24 million||$0.53||14.09|
Riverview Bancorp has higher revenue and earnings than Equitable Financial.
This is a summary of current ratings and target prices for Equitable Financial and Riverview Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Riverview Bancorp has a consensus target price of $10.50, suggesting a potential upside of 40.56%. Given Riverview Bancorp’s higher probable upside, analysts clearly believe Riverview Bancorp is more favorable than Equitable Financial.
Riverview Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 2.1%. Equitable Financial 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.
This table compares Equitable Financial and Riverview Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Riverview Bancorp beats Equitable Financial on 9 of the 11 factors compared between the two stocks.
About Equitable Financial
Equitable Financial Corp. operates as the holding company for Equitable Bank that provides various banking products and services in Nebraska, the United States. It offers deposit products, including checking, savings, and money market deposit accounts, as well as certificates of deposit. The company's lending products include commercial lines of credit and term loans, commercial real estate loans, agricultural operating loans, agricultural real estate loans, and one-to four-family residential real estate loans, as well as home equity loans, construction and land loans, and consumer loans. It also offers retail brokerage services under the Equitable Wealth Management name; and invests in securities. Equitable Financial Corp. operates through its main office in Grand Island, Nebraska; one full-service branch in each of Grand Island, North Platte, and Omaha, Nebraska; and one additional limited service branch in Grand Island. The company was founded in 1882 and is headquartered in Grand Island, Nebraska. Equitable Financial Corp. is a subsidiary of Equitable Financial MHC.
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.
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