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

Avidia Bancorp, Inc. and RBB Bancorp are both Banks Regional companies. Avidia Bancorp, Inc. and RBB Bancorp are of similar size ($436.0M and $435.8M). RBB Bancorp trades at the lower P/E: 10.5× against 23.1×. Avidia Bancorp, Inc. grew revenue faster over the last twelve months: 7.16% against 3.04%. RBB Bancorp has the higher net margin (17.3% vs 11.5%) and the higher return on invested capital (6.37% vs 2.89%). Both pay a dividend; RBB Bancorp yields more (2.49% vs 0.73%). Across the 16 metrics below, RBB Bancorp leads on 12 and Avidia Bancorp, Inc. on 4.

Valuation

Metric AVBC RBB Banks Regional median
P/E 23.12 10.51 11.98
P/S 2.67 1.81 2.34
P/B 1.05 0.82 1.19
Price to free cash flow 8.49 8.04 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.33% 9.51% 8.23%
Free cash flow yield 11.78% 12.44% 9.08%

Profitability

Metric AVBC RBB Banks Regional median
Gross margin 73.91% 54.87% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% 17.26% 18.66%
Free cash flow margin 31.47% 23.01% 21.11%
Return on equity 6.06% 7.93% 10.65%
Return on assets 0.61% 1.00% 1.13%
Return on invested capital 2.89% 6.37% 8.35%

Growth

Metric AVBC RBB Banks Regional median
Revenue growth (TTM) 7.16% 3.04% 6.98%
EPS growth (last fiscal year) — 24.49% 18.88%
Revenue growth, 5-year CAGR — 9.22% 12.38%
Net income growth, 5-year CAGR — (0.60%) 9.71%

Health

Metric AVBC RBB Banks Regional median
Debt to equity 0.48 0.55 0.22
Current ratio 1.05 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC RBB Banks Regional median
Dividend yield 0.73% 2.49% 2.57%
Payout ratio 0.17 0.26 0.30

Size

Metric AVBC RBB Banks Regional median
Market cap 435.95m 435.76m 913.33m

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