Direct comparison between Provident Financial Services (NYSE:PFS) and Riverview Bancorp (NASDAQ:RVSB)


Riverview Bancorp (NASDAQ:RVSB – Get Rating) and Provident Financial Services (NYSE:PFS – Get Rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on their dividend strength, valuation, institutional ownership, analyst recommendations, earnings, risk and profitability.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of Riverview Bancorp and Provident Financial Services.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Riverview Bancorp $59.43 million 2.63 $10.47 million $0.95 7.41
Pension financial services $489.15 million 3.48 $167.92 million $2.19 10.11

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

Analyst Recommendations

This is a breakdown of the current ratings and recommendations for Riverview Bancorp and Provident Financial Services, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Riverview Bancorp 0 0 1 0 3.00
Pension financial services 0 0 1 0 3.00

Riverview Bancorp currently has a consensus price target of $8.00, suggesting a potential upside of 13.64%. Given the higher potential upside of Riverview Bancorp, analysts clearly believe that Riverview Bancorp is more favorable than Provident Financial Services.

Dividends

Riverview Bancorp pays an annual dividend of $0.22 per share and has a dividend yield of 3.1%. Provident Financial Services pays an annual dividend of $0.96 per share and has a dividend yield of 4.3%. Riverview Bancorp pays 23.2% of its profits as a dividend. Provident Financial Services distributes 43.8% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Riverview Bancorp has increased its dividend for 1 consecutive year and Provident Financial Services has increased its dividend for 1 consecutive year.

Risk and Volatility

Riverview Bancorp has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500. In comparison, Provident Financial Services has a beta of 0.94, suggesting that its stock price is its stock is 6% less volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of Riverview Bancorp and Provident Financial Services.

Net margins Return on equity return on assets
Riverview Bancorp 34.09% 13.37% 1.29%
Pension financial services 34.33% 10.02% 1.25%

Insider and Institutional Ownership

61.7% of Riverview Bancorp shares are held by institutional investors. By comparison, 61.4% of Provident Financial Services shares are held by institutional investors. 6.8% of the shares of Riverview Bancorp are held by insiders. By comparison, 4.3% of Provident Financial Services shares are held by insiders. Strong institutional ownership indicates that endowments, large fund managers, and hedge funds believe a stock is poised for long-term growth.

Summary

Provident Financial Services beats Riverview Bancorp on 8 of 14 factors compared between the two stocks.

Riverview Bancorp Company Profile (Get a rating)

Riverview Bancorp, Inc. operates as a savings and loan holding company for Riverview Community Bank which provides commercial banking services to small and medium-sized businesses, professionals and wealth-creating individuals. It offers a range of deposit products, including demand deposits, negotiable order withdrawal accounts, money market accounts, savings accounts, certificates of deposit and retirement savings plans. The Company also offers loans for commercial enterprises, commercial and residential real estate, multifamily real estate, land and building construction; and consumer loans, such as one to four family mortgages, home equity lines of credit, home loans and other secured and unsecured consumer loans. In addition, it is involved in the provision of mortgage brokerage and mortgage servicing business, as well as asset management services including trust, estate planning and investment management. The company operates through a network of 17 branches in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale and Vancouver, Washington; and Portland, Gresham, Tualatin and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

Provident financial services company profile (Get a rating)

Provident Financial Services, Inc. operates as a bank holding company for Provident Bank which provides various personal, family and business banking products and services in the United States. The Company’s deposit products include savings, checks, interest-bearing checks, money market deposits and certificates of deposit accounts, as well as IRA products. Its loan portfolio includes commercial real estate loans secured by properties, such as multi-family apartment buildings, office buildings, and commercial and industrial properties; commercial business loans; fixed and adjustable rate mortgages secured by one to four family residential properties; commercial construction loans; and consumer loans consisting of home equity loans, home equity lines of credit, marine loans, personal loans and unsecured lines of credit, and auto and recreational vehicle loans. The Company also offers cash management, remote deposit capture, payroll issuance, escrow account management, and online and mobile banking; and business credit cards. In addition, it provides wealth management services including investment management, trust and estate administration, financial planning, tax compliance and planning, and private banking. Additionally, the company sells insurance and investment products, including annuities; operates as a real estate investment trust for the acquisition of mortgages and other real estate-related assets; and manages and sells real estate acquired by foreclosure. As of December 31, 2021, it operated 96 full-service branches in northern and central New Jersey, as well as Pennsylvania and New York counties. The company was founded in 1839 and is headquartered in Jersey City, New Jersey.



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