Riverview Bancorp (NASDAQ:RVSB) and Brookline Bancorp (NASDAQ:BRKL) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their risk, analyst recommendations, dividends, institutional ownership, profitability, valuation and earnings.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Riverview Bancorp and Brookline Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Riverview Bancorp 0 0 1 0 3.00
Brookline Bancorp 0 3 0 0 2.00

Riverview Bancorp presently has a consensus price target of $10.50, suggesting a potential upside of 16.67%. Brookline Bancorp has a consensus price target of $17.50, suggesting a potential upside of 0.75%. Given Riverview Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Riverview Bancorp is more favorable than Brookline Bancorp.

Dividends

Riverview Bancorp pays an annual dividend of $0.14 per share and has a dividend yield of 1.6%. Brookline Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Riverview Bancorp pays out 26.4% of its earnings in the form of a dividend. Brookline Bancorp pays out 50.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Riverview Bancorp has raised its dividend for 2 consecutive years.

Volatility & Risk

Riverview Bancorp has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500. Comparatively, Brookline Bancorp has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500.

Earnings & Valuation

This table compares Riverview Bancorp and Brookline Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Riverview Bancorp $55.96 million 3.64 $10.24 million $0.53 17.04
Brookline Bancorp $295.22 million 4.73 $50.51 million $0.80 21.69

Brookline Bancorp has higher revenue and earnings than Riverview Bancorp. Riverview Bancorp is trading at a lower price-to-earnings ratio than Brookline Bancorp, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Riverview Bancorp and Brookline Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Riverview Bancorp 20.97% 11.76% 1.21%
Brookline Bancorp 19.97% 8.53% 1.03%

Insider and Institutional Ownership

60.3% of Riverview Bancorp shares are owned by institutional investors. Comparatively, 75.8% of Brookline Bancorp shares are owned by institutional investors. 7.0% of Riverview Bancorp shares are owned by insiders. Comparatively, 2.5% of Brookline Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

Riverview Bancorp beats Brookline Bancorp on 9 of the 17 factors compared between the two stocks.

About Riverview Bancorp

Riverview Bancorp, Inc. operates as the holding company for Riverview Community Bank that provides community banking services to small and medium size businesses, professionals, and individuals. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, savings accounts, certificates of deposit, and retirement savings plans. The company also provides commercial business, commercial real estate, other real estate mortgage, and real estate construction loans; and consumer loans, such as one-to-four family mortgage loans, home equity lines of credit, land loans, and other secured and unsecured consumer loans. In addition, it is involved in the provision of mortgage brokerage and mortgage loan servicing activities, as well as offers asset management services comprising trust, estate planning, and investment management services. The company operates through a network of 19 branch offices in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Vancouver, and Longview, Washington; and Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

About Brookline Bancorp

Brookline Bancorp, Inc. operates as the holding company for Brookline Bank, Bank Rhode Island, First Ipswich Bank, and Brookline Securities Corp that provide commercial, business, and retail banking services to corporate, municipal, and retail customers in the United States. Its deposit products include non-interest-bearing demand checking accounts, NOW accounts, savings accounts, and money market accounts. The company's loan portfolio comprises first mortgage loans secured by commercial, multi-family, and residential real estate properties; loans to business entities comprising commercial lines of credit; loans to condominium associations; loans and leases used to finance equipment used by small businesses; financing for construction and development projects; and home equity and other consumer loans. It also provides cash management, investment advisory, and online banking services, as well as invests in debt and equity securities. As of December 31, 2017, the Company operated 51 full-service banking offices in greater Boston, the north shore of Massachusetts, and Rhode Island. Brookline Bancorp, Inc. was founded in 1871 and is headquartered in Boston, Massachusetts.

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