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Avidia Bancorp, Inc. (AVBC) vs Commercial Bancgroup, Inc. (CBK)

Avidia Bancorp, Inc. and Commercial Bancgroup, Inc. are both Banks Regional companies. Avidia Bancorp, Inc. and Commercial Bancgroup, Inc. are of similar size ($436.0M and $431.5M). Commercial Bancgroup, Inc. trades at the lower P/E: 10.8× against 23.1×. Commercial Bancgroup, Inc. has the higher net margin (30.3% vs 11.5%) and the higher return on invested capital (14.9% vs 2.89%). Across the 14 metrics below, Commercial Bancgroup, Inc. leads on 8 and Avidia Bancorp, Inc. on 6.

Valuation

Metric AVBC CBK Banks Regional median
P/E 23.12 10.75 11.98
P/S 2.67 3.33 2.34
P/B 1.05 1.43 1.19
Price to free cash flow 8.49 11.15 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.33% 9.30% 8.23%
Free cash flow yield 11.78% 8.97% 9.08%

Profitability

Metric AVBC CBK Banks Regional median
Gross margin 73.91% 71.89% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% 30.25% 18.66%
Free cash flow margin 31.47% 29.86% 21.11%
Return on equity 6.06% 15.05% 10.65%
Return on assets 0.61% 1.72% 1.13%
Return on invested capital 2.89% 14.93% 8.35%

Growth

Metric AVBC CBK Banks Regional median
Revenue growth (TTM) 7.16% — 6.98%
EPS growth (last fiscal year) — 13.97% 18.88%
Revenue growth, 5-year CAGR — — 12.38%
Net income growth, 5-year CAGR — — 9.71%

Health

Metric AVBC CBK Banks Regional median
Debt to equity 0.48 0.24 0.22
Current ratio 1.05 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC CBK Banks Regional median
Dividend yield 0.73% — 2.57%
Payout ratio 0.17 — 0.30

Size

Metric AVBC CBK Banks Regional median
Market cap 435.95m 431.45m 913.33m

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