Financial Survey: Riverview Financial (NASDAQ:RIVE) versus Capital Bancorp (NASDAQ:CBNK)

Riverview Financial (NASDAQ:RIVE) and Capital Bancorp (NASDAQ:CBNK) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, risk, institutional ownership and dividends.

Institutional & Insider Ownership

20.2% of Riverview Financial shares are owned by institutional investors. Comparatively, 22.4% of Capital Bancorp shares are owned by institutional investors. 4.4% of Riverview Financial shares are owned by company insiders. Comparatively, 39.4% of Capital Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Volatility and Risk

Riverview Financial has a beta of 0.77, suggesting that its stock price is 23% less volatile than the S&P 500. Comparatively, Capital Bancorp has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Riverview Financial and Capital Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Riverview Financial 0 0 0 0 N/A
Capital Bancorp 0 0 0 0 N/A

Valuation & Earnings

This table compares Riverview Financial and Capital Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Riverview Financial $58.06 million 1.92 $4.29 million N/A N/A
Capital Bancorp $107.87 million 1.84 $16.90 million $1.21 11.88

Capital Bancorp has higher revenue and earnings than Riverview Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
Riverview Financial 5.01% 4.61% 0.47%
Capital Bancorp 15.66% 13.72% 1.38%

Summary

Capital Bancorp beats Riverview Financial on 7 of the 10 factors compared between the two stocks.

Riverview Financial Company Profile

Riverview Financial Corporation operates as the bank holding company for Riverview Bank that provides various consumer and commercial banking products and services to individuals, municipalities, small to medium sized businesses, and nonprofit entities in the United States. It accepts money market, NOW, savings, individual retirement, and investment accounts; demand and time deposits, certificates of deposit, and noninterest bearing deposits; and provides remote deposit capture, automatic clearing house transaction, cash management, automated teller machine, point of sale transaction, night depository, direct deposit, and official check services, as well as safe deposit boxes. It offers one-to-four family residential mortgages, consumer, automobile, home equity, educational, lines of credit, residential and commercial real estate, manufactured housing, personal, student, home equity, working capital, construction, and agricultural loans; and loans for equipment and other commercial needs, and mineral rights. In addition, it provides mortgage banking and financial advisory services; and trust and investment services comprising investment management, IRA trustee, estate administration, living trust, trustee under will, guardianship, life insurance trust, custodial/IRA custodial, and corporate trust services, as well as pension and profit sharing plans. Further, it offers wealth management products and services, such as investment portfolio management, brokerage, annuities, business succession planning, insurance, education funding strategies, and estate and tax planning assistance; and securities, stocks, bonds, and mutual funds. As of March 18, 2019, it operated through 28 community banking offices and 4 limited purpose offices in the Berks, Blair, Centre, Clearfield, Dauphin, Huntingdon, Lebanon, Lycoming, Northumberland, Perry, Schuylkill, and Somerset counties of Pennsylvania. The company was founded in 1900 and is headquartered in Harrisburg, Pennsylvania.

Capital Bancorp Company Profile

Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various commercial banking products and services to businesses, not-for-profit associations, and entrepreneurs in the United States. The company offers a range of deposit products and services, including various checking and savings accounts, certificates of deposit, money market accounts, debit cards, remote deposit capture services, online and mobile banking services, e-statements, and bank-by-mail and direct deposit services, as well as business accounts, and cash and treasury management services. It also provides lending services, such as residential and commercial real estate loans, construction loans, commercial business loans, and credit card lines, as well as loans to individuals comprising secured and unsecured installment and term loans, car loans, and boat loans. In addition, the company originates residential mortgages for sale in the secondary market; and offers short-term secured real estate financing services. It operates through five commercial bank branches, four mortgage offices, one loan production office, a limited service branch, corporate offices, and operations facilities in the greater Washington, D.C. and Baltimore, Maryland markets. The company was incorporated in 1998 and is headquartered in Rockville, Maryland.

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