Reviewing Landmark Bancorp (NASDAQ:LARK) and Riverview Bancorp (NASDAQ:RVSB)

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

Analyst Ratings

This is a breakdown of current ratings and target prices for Landmark Bancorp and Riverview Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Landmark Bancorp	0	1	0	0	2.00
Riverview Bancorp	0	2	1	0	2.33

Riverview Bancorp has a consensus price target of $7.00, indicating a potential upside of 34.62%. Given Riverview Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Riverview Bancorp is more favorable than Landmark Bancorp.

Institutional and Insider Ownership

25.7% of Landmark Bancorp shares are held by institutional investors. Comparatively, 69.6% of Riverview Bancorp shares are held by institutional investors. 12.8% of Landmark Bancorp shares are held by company insiders. Comparatively, 3.3% of Riverview Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Risk and Volatility

Landmark Bancorp has a beta of 0.29, indicating that its stock price is 71% less volatile than the S&P 500. Comparatively, Riverview Bancorp has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500.

Earnings & Valuation

This table compares Landmark Bancorp and Riverview Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Landmark Bancorp	$89.35 million	1.74	$13.00 million	$2.84	9.01
Riverview Bancorp	$52.52 million	2.05	$4.90 million	$0.22	23.64

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

Dividends

Landmark Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 3.1%. Riverview Bancorp pays an annual dividend of $0.08 per share and has a dividend yield of 1.5%. Landmark Bancorp pays out 28.2% of its earnings in the form of a dividend. Riverview Bancorp pays out 36.4% 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. Landmark Bancorp has increased its dividend for 6 consecutive years. Landmark Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Landmark Bancorp	18.32%	12.44%	1.13%
Riverview Bancorp	6.30%	2.92%	0.31%

Summary

Landmark Bancorp beats Riverview Bancorp on 10 of the 17 factors compared between the two stocks.

About Landmark Bancorp

Landmark Bancorp, Inc. operates as the financial holding company for Landmark National Bank that provides various financial and banking services to its local communities. It offers non-interest bearing demand, money market, checking, and savings accounts, as well as certificates of deposit. The company also provides one-to-four family residential real estate, construction and land, commercial real estate, commercial, paycheck protection program, municipal, and agriculture loans; and consumer and other loans, such as automobile, boat, and home improvement and home equity loans, as well as insurance, and mobile and online banking services. In addition, the company invests in certain investment and mortgage-related securities. It operates in the eastern, central, southeast, and southwest Kansas. The company was founded in 1885 and is headquartered in Manhattan, Kansas.

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.