Riverview Bancorp Inc (RVSB) vs SR Bancorp, Inc. (SRBK)

Riverview Bancorp Inc and SR Bancorp, Inc. are both Banks Regional companies. SR Bancorp, Inc. is the larger, with a market value of $141.4M against $117.7M — 1.2× the size. Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; SR Bancorp, Inc. trades at 32.5×. SR Bancorp, Inc. grew revenue faster over the last twelve months: 18.3% against −11.2%. SR Bancorp, Inc. has the higher net margin (8.89% vs −5.87%) and the higher return on invested capital (2.08% vs −3.72%). Across the 18 metrics below, SR Bancorp, Inc. leads on 12 and Riverview Bancorp Inc on 6.

Valuation

Metric RVSB SRBK Banks Regional median
P/E n/m 32.53 12.15
P/S 1.84 2.73 2.37
P/B 0.83 0.77 1.21
Price to free cash flow 8.68 18.45 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.98 2.40 2.27
Earnings yield (3.19%) 3.07% 8.11%
Free cash flow yield 11.52% 5.42% 8.98%

Profitability

Metric RVSB SRBK Banks Regional median
Gross margin 68.00% 65.81% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (5.87%) 8.89% 18.66%
Free cash flow margin 21.18% 14.77% 21.18%
Return on equity (2.52%) 2.44% 10.64%
Return on assets (0.26%) 0.42% 1.13%
Return on invested capital (3.72%) 2.08% 8.33%

Growth

Metric RVSB SRBK Banks Regional median
Revenue growth (TTM) (11.21%) 18.26% 6.61%
EPS growth (last fiscal year) (191.30%) 138.25% —
Revenue growth, 5-year CAGR 1.73% 27.62% 12.30%
Net income growth, 5-year CAGR 0.00% 22.38% 9.71%

Health

Metric RVSB SRBK Banks Regional median
Debt to equity 0.31 0.27 0.22
Current ratio 0.93 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RVSB SRBK Banks Regional median
Dividend yield 4.91% — 3.75%
Payout ratio 0.24 — 0.27

Size

Metric RVSB SRBK Banks Regional median
Market cap 117.72m 141.36m 921.07m

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