Provident Financial vs Riverview Bancorp
PROV and RVSB side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PROV and RVSB compare
Riverview Bancorp is the larger company, worth 1.2 times as much as Provident Financial ($133M against $115M).
Provident Financial grew revenue faster over the last twelve months (4.2% versus −11.2% for Riverview Bancorp).
Provident Financial keeps more of each dollar of sales as profit, with a net margin of 16.0% compared with −6.4% at Riverview Bancorp.
Both pay dividends: Provident Financial yields 3.0% and Riverview Bancorp 1.2%.
Provident Financial scores higher on the StockData Score (9 against 8 for Riverview Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | PROV | RVSB |
|---|---|---|
| Size and price | ||
| Market cap | $115M | $133M |
| Share price | $18.45 | $6.68 |
| Change, 1 year | 19.0% | 24.2% |
| Change, 5 years | 10.0% | −15.0% |
| Beta (5Y) | 0.18 | 0.32 |
| Employees | 158 | 243 |
| StockData Score | ||
| Total score | 9 (better) | 8 |
| Valuation score | 2 | 2 |
| Growth score | 1 (better) | 0 |
| Performance score | 0 | 0 |
| Health score | 2 | 4 (better) |
| Dividend score | 4 (better) | 2 |
| Valuation | ||
| P/E | 17.9× | – |
| P/S | 2.8× (better) | 2.9× |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 11.1× (better) | 49.8× |
| FCF yield | 9.0% (better) | 2.0% |
| Fair value | $16.08 | – |
| Margin of safety | −14.8% | – |
| Growth | ||
| Revenue growth (TTM) | 4.2% (better) | −11.2% |
| Revenue growth, 5Y average | 2.6% (better) | −5.1% |
| Net income growth (TTM) | 8.5% (better) | −164% |
| EPS growth (TTM) | 14.4% (better) | −164% |
| EPS growth, 5Y average | 0.59% | – |
| Profitability | ||
| Net margin | 16.0% (better) | −6.4% |
| FCF margin | 25.3% (better) | 5.7% |
| Return on equity | 5.2% (better) | −2.0% |
| Financial health | ||
| Altman Z-score | 0.35 (better) | 0.20 |
| Piotroski F-score | 7 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 3.0% (better) | 1.2% |
| Payout ratio | 54.2% | – |
| Years of dividend growth | 0 | 0 |
| Dividend growth, 5Y average | 0.00% (better) | −16.7% |
| Buyback yield | 5.8% (better) | 4.5% |
| Shareholder yield | 8.8% (better) | 5.7% |
| Ownership | ||
| Held by institutions | 57.0% | 65.6% |
| Held by insiders | 9.5% | 24.5% |
| Insider net buying, 12 months | −$236K | −$178K (better) |
| Short interest, % of float | 0.25% | 1.5% |
Go deeper
- PROV stock overview
- PROV income statement
- PROV valuation and score
- RVSB stock overview
- RVSB income statement
- RVSB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.