Contrasting Riverview Bancorp (RVSB) and Meta Financial Group (CASH)

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

Dividends

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Riverview Bancorp pays an annual dividend of $0.12 per share and has a dividend yield of 1.3%. Meta Financial Group pays an annual dividend of $0.52 per share and has a dividend yield of 0.5%. Riverview Bancorp pays out 36.4% of its earnings in the form of a dividend. Meta Financial Group pays out 7.4% 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.

Profitability

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

Net Margins Return on Equity Return on Assets
Riverview Bancorp 17.00% 9.65% 0.98%
Meta Financial Group 16.20% 16.05% 1.47%

Volatility and Risk

Riverview Bancorp has a beta of 0.32, indicating that its stock price is 68% less volatile than the S&P 500. Comparatively, Meta Financial Group has a beta of 1.13, indicating that its stock price is 13% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Riverview Bancorp and Meta Financial Group, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Riverview Bancorp 0 0 0 0 N/A
Meta Financial Group 0 0 4 0 3.00

Meta Financial Group has a consensus target price of $116.25, indicating a potential upside of 4.31%. Given Meta Financial Group’s higher probable upside, analysts plainly believe Meta Financial Group is more favorable than Riverview Bancorp.

Insider and Institutional Ownership

60.2% of Riverview Bancorp shares are owned by institutional investors. Comparatively, 78.4% of Meta Financial Group shares are owned by institutional investors. 7.4% of Riverview Bancorp shares are owned by insiders. Comparatively, 5.4% of Meta Financial Group shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Earnings & Valuation

This table compares Riverview Bancorp and Meta Financial Group’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Riverview Bancorp $45.64 million 4.69 $7.40 million $0.33 28.73
Meta Financial Group $280.27 million 3.86 $44.91 million $7.05 15.81

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

Summary

Meta Financial Group beats Riverview Bancorp on 10 of the 15 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 in the United States. It offers a range of deposit products, including demand deposits, negotiable order of withdrawal accounts, money market accounts, regular 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 branches in rural and suburban communities in southwest Washington State, as well as Multnomah, Washington, and Marion counties of Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

About Meta Financial Group

Meta Financial Group, Inc. operates as the holding company for MetaBank that offers various banking products and services to individuals, small businesses, financial institutions, and other businesses. It provides various deposit products, such as statement savings accounts, money market savings accounts, and NOW and regular checking accounts, as well as deposits related to prepaid cards, which primarily include checking accounts and certificate accounts. The company's loan portfolio comprises one-to-four family residential mortgage, commercial and multi-family real estate, agricultural operations and real estate, construction, consumer, commercial operating, and premium finance loans. It also issues prepaid cards and consumer credit products; sponsor automatic teller machines into various debit networks; and offers tax refund transfer and other payment industry products and services. The company operates a total of 10 full-service branch banking offices in Storm Lake and Des Moines, Iowa, as well as Brookings and Sioux Falls, South Dakota; one non-retail service branch in Memphis, Tennessee; and 7 non-branch offices located in South Dakota, Texas, California, Kentucky, and Pennsylvania. Meta Financial Group, Inc. was founded in 1954 and is headquartered in Sioux Falls, South Dakota.

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