Community First Bancshares (CFBI) & Riverview Bancorp (RVSB) Financial Contrast

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Community First Bancshares (NASDAQ:CFBI) and Riverview Bancorp (NASDAQ:RVSB) are both small-cap finance companies, but which is the better stock? We will contrast the two companies based on the strength of their profitability, institutional ownership, dividends, risk, earnings, analyst recommendations and valuation.

Valuation and Earnings

This table compares Community First Bancshares and Riverview Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community First Bancshares $13.68 million 6.35 N/A N/A N/A
Riverview Bancorp $55.96 million 3.21 $10.24 million $0.53 15.00

Riverview Bancorp has higher revenue and earnings than Community First Bancshares.

Profitability

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

Net Margins Return on Equity Return on Assets
Community First Bancshares 1.35% 0.27% 0.07%
Riverview Bancorp 20.97% 11.76% 1.21%

Dividends

Riverview Bancorp pays an annual dividend of $0.14 per share and has a dividend yield of 1.8%. Community First Bancshares does not pay a dividend. Riverview Bancorp pays out 26.4% of its earnings in the form of a dividend. Riverview Bancorp has increased its dividend for 2 consecutive years.

Institutional and Insider Ownership

1.7% of Community First Bancshares shares are owned by institutional investors. Comparatively, 60.3% of Riverview Bancorp shares are owned by institutional investors. 1.4% of Community First Bancshares shares are owned by company insiders. Comparatively, 7.0% of Riverview Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Volatility and Risk

Community First Bancshares has a beta of 0.52, suggesting that its share price is 48% less volatile than the S&P 500. Comparatively, Riverview Bancorp has a beta of 0.46, suggesting that its share price is 54% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings for Community First Bancshares and Riverview Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community First Bancshares 0 0 0 0 N/A
Riverview Bancorp 0 0 1 0 3.00

Riverview Bancorp has a consensus price target of $10.50, indicating a potential upside of 32.08%. Given Riverview Bancorp’s higher probable upside, analysts clearly believe Riverview Bancorp is more favorable than Community First Bancshares.

Summary

Riverview Bancorp beats Community First Bancshares on 10 of the 14 factors compared between the two stocks.

Community First Bancshares Company Profile

Community First Bancshares, Inc. operates as the holding company for Newton Federal Bank that provides various banking products and services in the United States. The company offers various deposit accounts, including checking accounts, savings accounts, and certificate of deposit accounts. It also provides one-to four-family residential real estate loans, commercial real estate loans, commercial and industrial loans, construction and land loans, and consumer loans, as well as multi-family residential real estate loans, and home equity loans and lines of credit. In addition, the company invests in securities; and offers money transfer and other banking services. It operates through a main office and two branch offices in Covington, Georgia; and a loan production office in Bogart, Georgia. The company was founded in 1928 and is based in Covington, Georgia. Community First Bancshares, Inc. is a subsidiary of Community First Bancshares, MHC.

Riverview Bancorp Company Profile

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.

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