Riverview Bancorp Inc (RVSB) vs Union Bankshares, Inc. (UNB)

Riverview Bancorp Inc and Union Bankshares, Inc. are both Banks Regional companies. Riverview Bancorp Inc and Union Bankshares, Inc. are of similar size ($117.7M and $116.2M). Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; Union Bankshares, Inc. trades at 9.0×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against −11.2%. Union Bankshares, Inc. has the higher net margin (13.4% vs −5.87%) and the higher return on invested capital (12.4% vs −3.72%). Both pay a dividend; Union Bankshares, Inc. yields more (4.93% vs 4.91%). Across the 19 metrics below, Union Bankshares, Inc. leads on 14 and Riverview Bancorp Inc on 5.

Valuation

Metric RVSB UNB Banks Regional median
P/E n/m 9.04 12.15
P/S 1.84 1.25 2.37
P/B 0.83 1.25 1.21
Price to free cash flow 8.68 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.98 1.00 2.27
Earnings yield (3.19%) 11.06% 8.11%
Free cash flow yield 11.52% 18.85% 8.98%

Profitability

Metric RVSB UNB Banks Regional median
Gross margin 68.00% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (5.87%) 13.40% 18.66%
Free cash flow margin 21.18% 23.57% 21.18%
Return on equity (2.52%) 14.98% 10.64%
Return on assets (0.26%) 0.80% 1.13%
Return on invested capital (3.72%) 12.37% 8.33%

Growth

Metric RVSB UNB Banks Regional median
Revenue growth (TTM) (11.21%) 9.68% 6.61%
EPS growth (last fiscal year) (191.30%) 25.26% —
Revenue growth, 5-year CAGR 1.73% 10.59% 12.30%
Net income growth, 5-year CAGR 0.00% (2.85%) 9.71%

Health

Metric RVSB UNB Banks Regional median
Debt to equity 0.31 0.18 0.22
Current ratio 0.93 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RVSB UNB Banks Regional median
Dividend yield 4.91% 4.93% 3.75%
Payout ratio 0.24 0.50 0.27

Size

Metric RVSB UNB Banks Regional median
Market cap 117.72m 116.23m 921.07m

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