Provident Financial Holdings, Inc. (PROV) vs Riverview Bancorp Inc (RVSB)

Provident Financial Holdings, Inc. and Riverview Bancorp Inc are both Banks Regional companies. Provident Financial Holdings, Inc. and Riverview Bancorp Inc are of similar size ($117.7M and $114.5M). Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; Provident Financial Holdings, Inc. trades at 17.7×. Provident Financial Holdings, Inc. grew revenue faster over the last twelve months: −0.90% against −11.2%. Provident Financial Holdings, Inc. has the higher net margin (11.2% vs −5.87%) and the higher return on invested capital (2.57% vs −3.72%). Both pay a dividend; Riverview Bancorp Inc yields more (4.91% vs 3.92%). Across the 19 metrics below, Riverview Bancorp Inc leads on 10 and Provident Financial Holdings, Inc. on 9.

Valuation

Metric PROV RVSB Banks Regional median
P/E 17.71 n/m 12.15
P/S 1.98 1.84 2.37
P/B 0.94 0.83 1.21
Price to free cash flow 13.84 8.68 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.79 0.98 2.27
Earnings yield 5.65% (3.19%) 8.11%
Free cash flow yield 7.22% 11.52% 8.98%

Profitability

Metric PROV RVSB Banks Regional median
Gross margin 67.19% 68.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.16% (5.87%) 18.66%
Free cash flow margin 14.32% 21.18% 21.18%
Return on equity 5.22% (2.52%) 10.64%
Return on assets 0.54% (0.26%) 1.13%
Return on invested capital 2.57% (3.72%) 8.33%

Growth

Metric PROV RVSB Banks Regional median
Revenue growth (TTM) (0.90%) (11.21%) 6.61%
EPS growth (last fiscal year) 10.75% (191.30%) —
Revenue growth, 5-year CAGR 8.43% 1.73% 12.30%
Net income growth, 5-year CAGR (2.52%) 0.00% 9.71%

Health

Metric PROV RVSB Banks Regional median
Debt to equity 1.24 0.31 0.22
Current ratio 1.17 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PROV RVSB Banks Regional median
Dividend yield 3.92% 4.91% 3.75%
Payout ratio 0.47 0.24 0.27

Size

Metric PROV RVSB Banks Regional median
Market cap 114.52m 117.72m 921.07m

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