Riverview Bancorp (NASDAQ: RVSB) and Capitol Federal Financial (NASDAQ:CFFN) 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, earnings, analyst recommendations, institutional ownership, risk, profitability and dividends.
Valuation & Earnings
This table compares Riverview Bancorp and Capitol Federal Financial’s top-line revenue, earnings per share (EPS) and valuation.
||Earnings Per Share
|Capitol Federal Financial
Capitol Federal Financial has higher revenue and earnings than Riverview Bancorp.
Risk & Volatility
Riverview Bancorp has a beta of 0.32, meaning that its stock price is 68% less volatile than the S&P 500. Comparatively, Capitol Federal Financial has a beta of 0.48, meaning that its stock price is 52% less volatile than the S&P 500.
Riverview Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.4%. Capitol Federal Financial pays an annual dividend of $0.34 per share and has a dividend yield of 2.6%. Riverview Bancorp pays out 22.6% of its earnings in the form of a dividend.
This is a summary of current recommendations and price targets for Riverview Bancorp and Capitol Federal Financial, as provided by MarketBeat.com.
||Strong Buy Ratings
|Capitol Federal Financial
Riverview Bancorp presently has a consensus target price of $10.50, suggesting a potential upside of 24.41%. Capitol Federal Financial has a consensus target price of $13.75, suggesting a potential upside of 4.48%. Given Riverview Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Riverview Bancorp is more favorable than Capitol Federal Financial.
Insider and Institutional Ownership
59.8% of Riverview Bancorp shares are held by institutional investors. Comparatively, 74.5% of Capitol Federal Financial shares are held by institutional investors. 7.0% of Riverview Bancorp shares are held by insiders. Comparatively, 2.2% of Capitol Federal Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
This table compares Riverview Bancorp and Capitol Federal Financial’s net margins, return on equity and return on assets.
||Return on Equity
||Return on Assets
|Capitol Federal Financial
Capitol Federal Financial beats Riverview Bancorp on 9 of the 15 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 in the United States. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, regular 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 branches in rural and suburban communities in southwest Washington State, as well as Multnomah, Washington, and Marion counties of Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.
Capitol Federal Financial Company Profile
Capitol Federal Financial, Inc. operates as the holding company for Capitol Federal Savings Bank that provides various retail banking products and services in the United States. The company accepts a range of deposit products comprising savings accounts, money market accounts, interest-bearing and non-interest-bearing checking accounts, and certificates of deposits. It also provides various loan products, such as one- to four-family residential real estate loans; construction-to-permanent loans; consumer loans comprising home equity loans and lines of credit, home improvement loans, auto loans, and loans secured by savings deposits; and commercial real estate loans consisting of various property types, including hotels, office and retail buildings, senior housing facilities, and multi-family dwellings located in Texas, Missouri, Kansas, Nebraska, Colorado, Arkansas, California, and Montana. In addition, the company offers mobile, telephone, and online banking services, as well as bill payment services; operates a call center; and invests in various securities. It operates a network of 47 branches, which include 37 traditional branches and 10 in-store branches located in 9 counties throughout Kansas and 3 counties in Missouri. The company was founded in 1893 and is headquartered in Topeka, Kansas.
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