Riverview Bancorp Inc (RVSB) vs Sound Financial Bancorp, Inc. (SFBC)

Riverview Bancorp Inc and Sound Financial Bancorp, Inc. are both Banks Regional companies. Riverview Bancorp Inc and Sound Financial Bancorp, Inc. are of similar size ($118.1M and $117.7M). Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; Sound Financial Bancorp, Inc. trades at 13.7×. Sound Financial Bancorp, Inc. grew revenue faster over the last twelve months: −0.76% against −11.2%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs −5.87%) and the higher return on invested capital (1,916.1% vs −3.72%). Both pay a dividend; Riverview Bancorp Inc yields more (4.91% vs 2.33%). Across the 19 metrics below, Sound Financial Bancorp, Inc. leads on 12 and Riverview Bancorp Inc on 7.

Valuation

Metric RVSB SFBC Banks Regional median
P/E n/m 13.69 12.15
P/S 1.84 1.76 2.37
P/B 0.83 0.97 1.21
Price to free cash flow 8.68 14.94 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.98 (0.04) 2.27
Earnings yield (3.19%) 7.30% 8.11%
Free cash flow yield 11.52% 6.70% 8.98%

Profitability

Metric RVSB SFBC Banks Regional median
Gross margin 68.00% 64.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (5.87%) 12.84% 18.66%
Free cash flow margin 21.18% 11.77% 21.18%
Return on equity (2.52%) 7.33% 10.64%
Return on assets (0.26%) 0.75% 1.13%
Return on invested capital (3.72%) 1,916.08% 8.33%

Growth

Metric RVSB SFBC Banks Regional median
Revenue growth (TTM) (11.21%) (0.76%) 6.61%
EPS growth (last fiscal year) (191.30%) 53.89% —
Revenue growth, 5-year CAGR 1.73% 7.74% 12.30%
Net income growth, 5-year CAGR 0.00% (4.41%) 9.71%

Health

Metric RVSB SFBC Banks Regional median
Debt to equity 0.31 0.07 0.22
Current ratio 0.93 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RVSB SFBC Banks Regional median
Dividend yield 4.91% 2.33% 3.75%
Payout ratio 0.24 0.17 0.27

Size

Metric RVSB SFBC Banks Regional median
Market cap 117.72m 118.13m 921.07m

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