Avidia Bancorp, Inc. (AVBC) vs PCB Bancorp (PCB)

Avidia Bancorp, Inc. and PCB Bancorp are both Banks Regional companies. Avidia Bancorp, Inc. and PCB Bancorp are of similar size ($451.5M and $424.1M). PCB Bancorp trades at the lower P/E: 10.2× against 23.9×. Avidia Bancorp, Inc. grew revenue faster over the last twelve months: 7.16% against 3.68%. Avidia Bancorp, Inc. has the higher net margin (11.5% vs 0.00%) and the higher return on invested capital (2.89% vs 0.00%). Both pay a dividend; PCB Bancorp yields more (2.84% vs 0.71%). Across the 16 metrics below, Avidia Bancorp, Inc. leads on 11 and PCB Bancorp on 5.

Valuation

Metric AVBC PCB Banks Regional median
P/E 23.87 10.18 12.02
P/S 2.76 1.98 2.36
P/B 1.08 1.27 1.23
Price to free cash flow 8.76 10.60 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.19% 9.82% 8.21%
Free cash flow yield 11.41% 9.43% 9.23%

Profitability

Metric AVBC PCB Banks Regional median
Gross margin 73.91% 57.24% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% 0.00% 18.82%
Free cash flow margin 31.47% 18.63% 17.97%
Return on equity 6.06% 0.00% 10.28%
Return on assets 0.61% 0.00% 1.13%
Return on invested capital 2.89% 0.00% 8.45%

Growth

Metric AVBC PCB Banks Regional median
Revenue growth (TTM) 7.16% 3.68% 6.37%
EPS growth (last fiscal year) — 48.28% 18.85%
Revenue growth, 5-year CAGR — 18.00% 12.65%
Net income growth, 5-year CAGR — 17.91% 9.81%

Health

Metric AVBC PCB Banks Regional median
Debt to equity 0.48 0.00 0.17
Current ratio 1.05 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC PCB Banks Regional median
Dividend yield 0.71% 2.84% 2.49%
Payout ratio 0.17 0.29 0.29

Size

Metric AVBC PCB Banks Regional median
Market cap 451.53m 424.10m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack