FFW (OTCMKTS:FFWC) vs. Riverview Bancorp (NASDAQ:RVSB) Financial Analysis

Volatility and Risk

FFW has a beta of 0.05, meaning that its share price is 95% less volatile than the S&P 500. Comparatively, Riverview Bancorp has a beta of 0.77, meaning that its share price is 23% less volatile than the S&P 500.

Profitability

This table compares FFW and Riverview Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FFW	14.99%	N/A	N/A
Riverview Bancorp	1.13%	2.93%	0.30%

Dividends

FFW pays an annual dividend of $1.20 per share and has a dividend yield of 3.0%. Riverview Bancorp pays an annual dividend of $0.08 per share and has a dividend yield of 1.4%. FFW pays out 28.6% of its earnings in the form of a dividend. Riverview Bancorp pays out 200.1% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. FFW is clearly the better dividend stock, given its higher yield and lower payout ratio.

Insider & Institutional Ownership

69.6% of Riverview Bancorp shares are held by institutional investors. 17.0% of FFW shares are held by company insiders. Comparatively, 2.9% of Riverview Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Valuation and Earnings

This table compares FFW and Riverview Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
FFW	$29.39 million	1.50	$4.09 million	$4.19	9.54
Riverview Bancorp	$66.80 million	1.77	$3.80 million	$0.04	140.54

FFW has higher earnings, but lower revenue than Riverview Bancorp. FFW is trading at a lower price-to-earnings ratio than Riverview Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Riverview Bancorp beats FFW on 7 of the 13 factors compared between the two stocks.

About FFW

FFW Corporation operates as the bank holding company for Crossroads Bank that provides various banking products and services. The company offers checking and savings accounts, overdraft protection, consumer credit cards, and reorder checks. Its loan products include home equity, auto, RV, boat, motorcycle, and personal loans; mortgage loans; agricultural loans; commercial real estate equipment financing; revolving lines of credit and standby letters of credit; and equipment leasing, as well as commercial lending services. The company offers insurance products, such as auto, home and property, business, life and health, and specialty insurance; investment products and securities; and digital banking services. FFW Corporation was founded in 1920 and is based in Wabash, Indiana.

About Riverview Bancorp

Riverview Bancorp, Inc. operates as a bank holding company for Riverview 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 and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. 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 in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington, as well as Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.