Amerant Bancorp Inc. (AMTB) vs Five Star Bancorp (FSBC)

Amerant Bancorp Inc. and Five Star Bancorp are both Banks Regional companies. Amerant Bancorp Inc. and Five Star Bancorp are of similar size ($1.2B and $1.1B). Five Star Bancorp trades at the lower P/E: 12.4× against 17.3×. Five Star Bancorp grew revenue faster over the last twelve months: 18.1% against −7.36%. Five Star Bancorp has the higher net margin (26.6% vs 10.6%) and the higher return on invested capital (10.5% vs 4.00%). Both pay a dividend; Five Star Bancorp yields more (2.28% vs 1.22%). Across the 19 metrics below, Five Star Bancorp leads on 13 and Amerant Bancorp Inc. on 6.

Valuation

Metric AMTB FSBC Banks Regional median
P/E 17.26 12.42 12.02
P/S 1.82 3.55 2.36
P/B 1.37 1.68 1.23
Price to free cash flow 7.63 11.76 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.79% 8.05% 8.21%
Free cash flow yield 13.11% 8.50% 9.23%

Profitability

Metric AMTB FSBC Banks Regional median
Gross margin 66.23% 64.80% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 10.63% 26.58% 18.82%
Free cash flow margin 23.89% 30.17% 17.97%
Return on equity 7.54% 14.80% 10.28%
Return on assets 0.65% 1.52% 1.13%
Return on invested capital 4.00% 10.50% 8.45%

Growth

Metric AMTB FSBC Banks Regional median
Revenue growth (TTM) (7.36%) 18.14% 6.37%
EPS growth (last fiscal year) 386.36% 28.32% 18.85%
Revenue growth, 5-year CAGR 15.14% 25.01% 12.65%
Net income growth, 5-year CAGR 0.00% 11.39% 9.81%

Health

Metric AMTB FSBC Banks Regional median
Debt to equity 1.02 0.00 0.17
Current ratio 0.89 1.06 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMTB FSBC Banks Regional median
Dividend yield 1.22% 2.28% 2.49%
Payout ratio 0.21 0.28 0.29

Size

Metric AMTB FSBC Banks Regional median
Market cap 1.15b 1.07b 934.85m

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