Auburn National Bancorporation, Inc. (AUBN) vs Broadway Financial Corporation (BYFC)

Auburn National Bancorporation, Inc. and Broadway Financial Corporation are both Banks Regional companies. Broadway Financial Corporation is the larger, with a market value of $107.2M against $92.2M — 1.2× the size. Broadway Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Auburn National Bancorporation, Inc. trades at 11.0×. Broadway Financial Corporation grew revenue faster over the last twelve months: 8.03% against 4.58%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs −34.6%) and the lower return on invested capital (0.00% vs 1.45%). Across the 17 metrics below, Auburn National Bancorporation, Inc. leads on 10 and Broadway Financial Corporation on 7.

Valuation

Metric AUBN BYFC Banks Regional median
P/E 10.98 n/m 11.98
P/S 2.05 1.44 2.34
P/B 0.98 0.88 1.19
Price to free cash flow 8.91 15.96 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.10% (23.83%) 8.23%
Free cash flow yield 11.23% 6.27% 9.08%

Profitability

Metric AUBN BYFC Banks Regional median
Gross margin 75.98% 56.06% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.60% (34.62%) 18.66%
Free cash flow margin 23.02% 9.00% 21.11%
Return on equity 9.32% (19.24%) 10.65%
Return on assets 0.79% (1.69%) 1.13%
Return on invested capital 0.00% 1.45% 8.35%

Growth

Metric AUBN BYFC Banks Regional median
Revenue growth (TTM) 4.58% 8.03% 6.98%
EPS growth (last fiscal year) 13.66% (8,175.00%) 18.88%
Revenue growth, 5-year CAGR 5.51% 27.55% 12.38%
Net income growth, 5-year CAGR (0.54%) 0.00% 9.71%

Health

Metric AUBN BYFC Banks Regional median
Debt to equity 0.00 0.36 0.22
Current ratio 0.79 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUBN BYFC Banks Regional median
Dividend yield 4.08% — 2.57%
Payout ratio 0.45 — 0.30

Size

Metric AUBN BYFC Banks Regional median
Market cap 92.24m 107.17m 913.33m

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