Both Riverview Bancorp Inc. (NASDAQ:RVSB) and Berkshire Hills Bancorp Inc. (NYSE:BHLB) compete on a level playing field in the Savings & Loans industry. We will evaluate their performance with regards to dividends, analyst recommendations, institutional ownership, profitability, risk, earnings and valuation.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Riverview Bancorp Inc. | 57.17M | 2.96 | 16.07M | 0.68 | 10.93 |
| Berkshire Hills Bancorp Inc. | 443.78M | 2.88 | 104.85M | 2.30 | 13.59 |
Table 1 showcases the gross revenue, earnings per share and valuation of Riverview Bancorp Inc. and Berkshire Hills Bancorp Inc. Berkshire Hills Bancorp Inc. has higher revenue and earnings than Riverview Bancorp Inc. Currently more affordable of the two stocks is the business with a lower price-to-earnings ratio. Riverview Bancorp Inc.’s presently lower price-to-earnings ratio makes it the more affordable of the two businesses.
Profitability
Table 2 has Riverview Bancorp Inc. and Berkshire Hills Bancorp Inc.’s return on equity, return on assets and net margins.
| Net Margins | Return on Equity | Return on Assets | |
| Riverview Bancorp Inc. | 28.11% | 11.1% | 1.2% |
| Berkshire Hills Bancorp Inc. | 23.63% | 6% | 0.7% |
Risk and Volatility
Riverview Bancorp Inc. has a 0.54 beta, while its volatility is 46.00%, thus making it less volatile than Standard & Poor’s 500. Berkshire Hills Bancorp Inc.’s 4.00% less volatile than Standard & Poor’s 500 which is a result of the 0.96 beta.
Dividends
Riverview Bancorp Inc. shareholders receive an annual dividend of $0.14 per share which is subject to 1.87% dividend yield. On the other side, $0.88 per share with a dividend yield of 3.09% for Berkshire Hills Bancorp Inc.
Analyst Recommendations
The table given features the ratings and recommendations for Riverview Bancorp Inc. and Berkshire Hills Bancorp Inc.
| Sell Ratings | Hold Ratings | Buy Ratings | Rating Score | |
| Riverview Bancorp Inc. | 0 | 0 | 0 | 0.00 |
| Berkshire Hills Bancorp Inc. | 1 | 0 | 0 | 1.00 |
Competitively Berkshire Hills Bancorp Inc. has a consensus price target of $38, with potential upside of 33.61%.
Insider and Institutional Ownership
Roughly 62.6% of Riverview Bancorp Inc. shares are held by institutional investors while 77.3% of Berkshire Hills Bancorp Inc. are owned by institutional investors. Insiders held roughly 0.2% of Riverview Bancorp Inc.’s shares. Comparatively, 0.3% are Berkshire Hills Bancorp Inc.’s share held by insiders.
Performance
Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.
| Performance (W) | Performance (M) | Performance (Q) | Performance (HY) | Performance (Y) | Performance (YTD) | |
| Riverview Bancorp Inc. | -9.21% | -13.26% | -24.28% | -15.54% | -20.45% | -14.76% |
| Berkshire Hills Bancorp Inc. | -8.52% | -8.63% | -26.32% | -27.09% | -18.33% | -14.64% |
For the past year Riverview Bancorp Inc. was more bearish than Berkshire Hills Bancorp Inc.
Summary
Berkshire Hills Bancorp Inc. beats Riverview Bancorp Inc. on 11 of the 15 factors.
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.
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