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

Metric OPHC RVSB Banks Regional median
P/E 5.60 n/m 12.15
P/S 1.76 1.84 2.37
P/B 1.09 0.83 1.21
Price to free cash flow 5.62 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.47 0.98 2.27
Earnings yield 17.85% (3.19%) 8.11%
Free cash flow yield 17.80% 11.52% 8.98%

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

Metric OPHC RVSB Banks Regional median
Revenue growth (TTM) 24.09% (11.21%) 6.61%
EPS growth (last fiscal year) 7.02% (191.30%) —
Revenue growth, 5-year CAGR 58.98% 1.73% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric OPHC RVSB Banks Regional median
Debt to equity 0.29 0.31 0.22
Current ratio 1.12 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OPHC RVSB Banks Regional median
Dividend yield 0.74% 4.91% 3.75%
Payout ratio 0.00 0.24 0.27

Size

Metric OPHC RVSB Banks Regional median
Market cap 117.01m 117.72m 921.07m

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