Avidia Bancorp, Inc. (AVBC) vs Grupo Supervielle S.A. (SUPV)

Avidia Bancorp, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Avidia Bancorp, Inc. and Grupo Supervielle S.A. are of similar size ($451.5M and $433.5M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Avidia Bancorp, Inc. trades at 23.9×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 7.16%. Avidia Bancorp, Inc. has the higher net margin (11.5% vs −3.62%) and the higher return on invested capital (2.89% vs 0.00%). Across the 14 metrics below, Avidia Bancorp, Inc. leads on 10 and Grupo Supervielle S.A. on 4.

Valuation

Metric AVBC SUPV Banks Regional median
P/E 23.87 n/m 12.02
P/S 2.76 0.30 2.36
P/B 1.08 0.60 1.23
Price to free cash flow 8.76 19.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.19% (11.05%) 8.21%
Free cash flow yield 11.41% 5.11% 9.23%

Profitability

Metric AVBC SUPV Banks Regional median
Gross margin 73.91% 54.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% (3.62%) 18.82%
Free cash flow margin 31.47% 1.51% 17.97%
Return on equity 6.06% (7.34%) 10.28%
Return on assets 0.61% (1.06%) 1.13%
Return on invested capital 2.89% 0.00% 8.45%

Growth

Metric AVBC SUPV Banks Regional median
Revenue growth (TTM) 7.16% 10.24% 6.37%
EPS growth (last fiscal year) — (134.42%) 18.85%
Revenue growth, 5-year CAGR — 8.30% 12.65%
Net income growth, 5-year CAGR — 0.00% 9.81%

Health

Metric AVBC SUPV Banks Regional median
Debt to equity 0.48 0.09 0.17
Current ratio 1.05 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC SUPV Banks Regional median
Dividend yield 0.71% — 2.49%
Payout ratio 0.17 — 0.29

Size

Metric AVBC SUPV Banks Regional median
Market cap 451.53m 433.52m 934.85m

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