Riverview Bancorp (NASDAQ:RVSB) and Greene County Bancorp (NASDAQ:GCBC) Head to Head Review

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

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Riverview Bancorp and Greene County Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Riverview Bancorp	0	2	0	0	2.00
Greene County Bancorp	0	1	0	0	2.00

Dividends

Riverview Bancorp pays an annual dividend of $0.08 per share and has a dividend yield of 1.5%. Greene County Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Riverview Bancorp pays out -38.1% of its earnings in the form of a dividend. Greene County Bancorp pays out 17.5% 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. Greene County Bancorp has increased its dividend for 11 consecutive years. Greene County Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Volatility and Risk

Riverview Bancorp has a beta of 0.46, suggesting that its stock price is 54% less volatile than the S&P 500. Comparatively, Greene County Bancorp has a beta of 0.41, suggesting that its stock price is 59% less volatile than the S&P 500.

Insider & Institutional Ownership

69.6% of Riverview Bancorp shares are held by institutional investors. Comparatively, 13.4% of Greene County Bancorp shares are held by institutional investors. 3.3% of Riverview Bancorp shares are held by company insiders. Comparatively, 59.2% of Greene County Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Riverview Bancorp	-6.70%	2.67%	0.29%
Greene County Bancorp	27.28%	15.41%	1.26%

Earnings and Valuation

This table compares Riverview Bancorp and Greene County Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Riverview Bancorp	$64.74 million	1.74	-$4.34 million	($0.21)	-25.95
Greene County Bancorp	$88.08 million	4.76	$31.14 million	$2.29	10.75

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

Summary

Greene County Bancorp beats Riverview Bancorp on 11 of the 14 factors compared between the two stocks.

About Riverview Bancorp

Riverview Bancorp, Inc. operates as a bank holding company for Riverview Bank that provides commercial banking services to small and medium size businesses, professionals, and wealth building 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 and residential real estate, multi-family real estate, land, real estate construction, and one-to-four family mortgage loans; other consumer loans, such as automobile, boat, motorcycle, recreational vehicle, savings account, and unsecured loans; and home equity lines of credit. 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. The company operates in Camas, Washougal, Stevenson, White Salmon, Battle Ground, Goldendale, Ridgefield, and Vancouver, Washington, as well as Portland, Gresham, Tualatin, and Aumsville, Oregon. Riverview Bancorp, Inc. was founded in 1923 and is based in Vancouver, Washington.

About Greene County Bancorp

Greene County Bancorp, Inc. operates as a holding company for The Bank of Greene County that provides various financial services in the United States. The company's deposit products include savings, NOW accounts, money market accounts, certificates of deposit, non-interest bearing checking accounts, and individual retirement accounts. Its loan portfolio consists of residential, construction and land, and multifamily loans; commercial real estate mortgage loans; consumer loans, such as loans on new and used automobiles, personal loans, and home equity loans, as well as other consumer installment loans, including passbook loans, unsecured home improvement loans, recreational vehicle loans, and deposit account overdrafts; and commercial loans. The company was founded in 1889 and is based in Catskill, New York. Greene County Bancorp, Inc. is a subsidiary of Greene County Bancorp, MHC.