Riverview Bancorp Inc (RVSB) vs Winchester Bancorp, Inc. (WSBK)

Riverview Bancorp Inc and Winchester Bancorp, Inc. are both Banks Regional companies. Riverview Bancorp Inc and Winchester Bancorp, Inc. are of similar size ($119.1M and $116.0M). Riverview Bancorp Inc has negative trailing earnings, so its P/E is not meaningful; Winchester Bancorp, Inc. trades at 26.4×. Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against −11.2%. Winchester Bancorp, Inc. has the higher net margin (8.56% vs −5.87%) and the higher return on invested capital (1.64% vs −3.72%). Across the 15 metrics below, Winchester Bancorp, Inc. leads on 8 and Riverview Bancorp Inc on 7.

Valuation

Metric RVSB WSBK Banks Regional median
P/E n/m 26.39 11.98
P/S 1.85 2.25 2.34
P/B 0.84 0.96 1.19
Price to free cash flow 8.74 22.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (3.17%) 3.79% 8.23%
Free cash flow yield 11.44% 4.53% 9.08%

Profitability

Metric RVSB WSBK Banks Regional median
Gross margin 68.00% 50.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (5.87%) 8.56% 18.66%
Free cash flow margin 21.18% 10.17% 21.11%
Return on equity (2.52%) 3.75% 10.65%
Return on assets (0.26%) 0.43% 1.13%
Return on invested capital (3.72%) 1.64% 8.35%

Growth

Metric RVSB WSBK Banks Regional median
Revenue growth (TTM) (11.21%) 16.05% 6.98%
EPS growth (last fiscal year) (191.30%) 590.00% 18.88%
Revenue growth, 5-year CAGR 1.73% — 12.38%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric RVSB WSBK Banks Regional median
Debt to equity 0.31 1.31 0.22
Current ratio 0.93 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RVSB WSBK Banks Regional median
Dividend yield 1.34% — 2.57%
Payout ratio — — 0.30

Size

Metric RVSB WSBK Banks Regional median
Market cap 119.12m 115.95m 913.33m

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