First Savings Financial Group (NASDAQ:FSFG) and Riverview Bancorp (NASDAQ:RVSB) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, earnings, dividends, profitability, risk and institutional ownership.
This table compares First Savings Financial Group and Riverview Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Savings Financial Group||17.46%||24.70%||2.19%|
First Savings Financial Group has a beta of 0.87, meaning that its share price is 13% less volatile than the S&P 500. Comparatively, Riverview Bancorp has a beta of 0.83, meaning that its share price is 17% less volatile than the S&P 500.
Institutional & Insider Ownership
29.2% of First Savings Financial Group shares are held by institutional investors. Comparatively, 63.1% of Riverview Bancorp shares are held by institutional investors. 16.0% of First Savings Financial Group shares are held by company insiders. Comparatively, 6.8% of Riverview 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.
First Savings Financial Group pays an annual dividend of $0.72 per share and has a dividend yield of 1.0%. Riverview Bancorp pays an annual dividend of $0.20 per share and has a dividend yield of 2.9%. Riverview Bancorp pays out 29.0% of its earnings in the form of a dividend. First Savings Financial Group has raised its dividend for 1 consecutive years and Riverview Bancorp has raised its dividend for 1 consecutive years.
This is a breakdown of current ratings and recommmendations for First Savings Financial Group and Riverview Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Savings Financial Group||0||0||2||0||3.00|
First Savings Financial Group presently has a consensus target price of $77.50, suggesting a potential upside of 12.68%. Riverview Bancorp has a consensus target price of $7.50, suggesting a potential upside of 8.23%. Given First Savings Financial Group’s higher possible upside, research analysts clearly believe First Savings Financial Group is more favorable than Riverview Bancorp.
Earnings and Valuation
This table compares First Savings Financial Group and Riverview Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Savings Financial Group||$191.05 million||0.86||$33.35 million||N/A||N/A|
|Riverview Bancorp||$86.76 million||1.79||$15.75 million||$0.69||10.06|
First Savings Financial Group has higher revenue and earnings than Riverview Bancorp.
First Savings Financial Group beats Riverview Bancorp on 10 of the 14 factors compared between the two stocks.
About First Savings Financial Group
First Savings Financial Group, Inc. operates as a financial holding company for First Savings Bank in southern Indiana. The company operates through three segments: Core Banking, SBA Lending, and Mortgage Banking. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate, commercial real estate, construction, land and land development, multi-family real estate, and commercial business loans, as well as consumer loans comprising automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in mortgage banking; investment activities; and the provision of property and casualty insurance products, and reinsurance to other third-party insurance captives. As of October 30, 2020, the company operated 15 offices in the Indiana communities, such as Clarksville, Jeffersonville, Charlestown, Sellersburg, New Albany, Georgetown, Corydon, Lanesville, Elizabeth, English, Marengo, Salem, Odon, and Montgomery. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Jeffersonville, Indiana.
About Riverview Bancorp
Riverview Bancorp, Inc. operates as the holding company for Riverview Community Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building 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. The company operates through a network of 18 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, and Vancouver, 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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