American River Bankshares (NASDAQ:AMRB) and HV Bancorp (NASDAQ:HVBC) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, valuation, earnings, profitability, institutional ownership, risk and dividends.

Profitability

This table compares American River Bankshares and HV Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
American River Bankshares 18.88% 6.34% 0.69%
HV Bancorp 4.90% 2.19% 0.22%

Risk & Volatility

American River Bankshares has a beta of 0.24, indicating that its stock price is 76% less volatile than the S&P 500. Comparatively, HV Bancorp has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for American River Bankshares and HV Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
American River Bankshares 0 1 0 0 2.00
HV Bancorp 0 0 0 0 N/A

Dividends

American River Bankshares pays an annual dividend of $0.20 per share and has a dividend yield of 1.6%. HV Bancorp does not pay a dividend. American River Bankshares pays out 24.1% of its earnings in the form of a dividend.

Institutional and Insider Ownership

50.8% of American River Bankshares shares are held by institutional investors. Comparatively, 15.7% of HV Bancorp shares are held by institutional investors. 10.9% of American River Bankshares shares are held by company insiders. Comparatively, 10.9% of HV Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares American River Bankshares and HV Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
American River Bankshares $23.75 million 3.11 $4.90 million $0.83 15.12
HV Bancorp $12.06 million 3.00 $770,000.00 N/A N/A

American River Bankshares has higher revenue and earnings than HV Bancorp.

Summary

American River Bankshares beats HV Bancorp on 10 of the 12 factors compared between the two stocks.

About American River Bankshares

American River Bankshares operates as the holding company for American River Bank that provides commercial banking products and services to small and middle-market businesses, and individuals. The company accepts checking and savings deposits; and offers money market deposit accounts and certificates of deposit. It also provides commercial, commercial real estate, multi-family real estate, commercial and residential real estate construction, residential real estate, agriculture, consumer, and other installment and term loans, as well as other customary banking services. In addition, the company conducts lease financing for various types of business equipment ranging from computer software to heavy earth-moving equipment. It operates four full-service banking offices in Sacramento County, one full-service banking office in Placer County, two full-service banking offices in Sonoma County, and three full-service banking offices in Amador County. The company was formerly known as American River Holdings and changed its name to American River Bankshares in 2004. American River Bankshares was founded in 1983 and is headquartered in Rancho Cordova, California.

About HV Bancorp

HV Bancorp, Inc. operates as the bank holding company for Huntingdon Valley Bank that provides various financial products and services to individuals and businesses. Its deposit products include NOW, money market, savings, and checking accounts, as well as demand deposits and certificates of deposit; and loan portfolio comprises one-to-four family residential real estate, commercial real estate, home equity, commercial business, construction, and consumer loans, as well as home equity lines of credit. The company also invests in various investment securities. It serves communities located in Montgomery, Bucks, and Philadelphia Counties in Pennsylvania from its executive office, four full service bank offices, one limited service office, a loan origination office, and a loan production office. The company was founded in 1871 and is headquartered in Huntingdon Valley, Pennsylvania.

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