First Guaranty Bancshares, Inc. (FGBI) vs Riverview Bancorp Inc (RVSB)

First Guaranty Bancshares, Inc. and Riverview Bancorp Inc are both Banks Regional companies. First Guaranty Bancshares, Inc. is the larger, with a market value of $130.8M against $117.7M — 1.1× the size. First Guaranty Bancshares, Inc. grew revenue faster over the last twelve months: −8.17% against −11.2%. Riverview Bancorp Inc has the higher net margin (−5.87% vs −17.9%) and the lower return on invested capital (−3.72% vs 0.00%). Both pay a dividend; First Guaranty Bancshares, Inc. yields more (5.75% vs 4.91%). Across the 18 metrics below, First Guaranty Bancshares, Inc. leads on 9 and Riverview Bancorp Inc on 9.

Valuation

Metric FGBI RVSB Banks Regional median
P/E n/m n/m 12.15
P/S 0.61 1.84 2.37
P/B 0.67 0.83 1.21
Price to free cash flow 3.27 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales (2.15) 0.98 2.27
Earnings yield (30.21%) (3.19%) 8.11%
Free cash flow yield 30.56% 11.52% 8.98%

Profitability

Metric FGBI RVSB Banks Regional median
Gross margin 43.27% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (17.91%) (5.87%) 18.66%
Free cash flow margin 18.49% 21.18% 21.18%
Return on equity (18.24%) (2.52%) 10.64%
Return on assets (0.98%) (0.26%) 1.13%
Return on invested capital 0.00% (3.72%) 8.33%

Growth

Metric FGBI RVSB Banks Regional median
Revenue growth (TTM) (8.17%) (11.21%) 6.61%
EPS growth (last fiscal year) (614.81%) (191.30%) —
Revenue growth, 5-year CAGR 12.24% 1.73% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric FGBI RVSB Banks Regional median
Debt to equity 0.82 0.31 0.22
Current ratio 0.73 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FGBI RVSB Banks Regional median
Dividend yield 5.75% 4.91% 3.75%
Payout ratio 0.41 0.24 0.27

Size

Metric FGBI RVSB Banks Regional median
Market cap 130.82m 117.72m 921.07m

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