OptimumBank Holdings, Inc. (OPHC) vs Riverview Bancorp Inc (RVSB)
OptimumBank Holdings, Inc. and Riverview Bancorp Inc are both Banks Regional companies. OptimumBank Holdings, Inc. and Riverview Bancorp Inc are of similar size ($117.7M and $117.0M). Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; OptimumBank Holdings, Inc. trades at 5.6×. OptimumBank Holdings, Inc. grew revenue faster over the last twelve months: 24.1% against −11.2%. OptimumBank Holdings, Inc. has the higher net margin (24.7% vs −5.87%) and the higher return on invested capital (62.5% vs −3.72%). Both pay a dividend; Riverview Bancorp Inc yields more (4.91% vs 0.74%). Across the 18 metrics below, OptimumBank Holdings, Inc. leads on 16 and Riverview Bancorp Inc on 2.
Valuation
Profitability
| Metric | OPHC | RVSB | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.90% | 68.00% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 24.72% | (5.87%) | 18.66% |
| Free cash flow margin | 31.39% | 21.18% | 21.18% |
| Return on equity | 16.68% | (2.52%) | 10.64% |
| Return on assets | 1.71% | (0.26%) | 1.13% |
| Return on invested capital | 62.53% | (3.72%) | 8.33% |
Growth
Health
Dividend
Size
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