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Avidbank Holdings Inc. (AVBH) vs CoastalSouth Bancshares, Inc. (COSO)

Avidbank Holdings Inc. and CoastalSouth Bancshares, Inc. are both Banks Regional companies. Avidbank Holdings Inc. and CoastalSouth Bancshares, Inc. are of similar size ($337.8M and $319.7M). Avidbank Holdings Inc. has negative trailing earnings, so its P/E is not meaningful; CoastalSouth Bancshares, Inc. trades at 11.5×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs −14.1%) and the higher return on invested capital (6.97% vs −7.91%). Across the 14 metrics below, CoastalSouth Bancshares, Inc. leads on 10 and Avidbank Holdings Inc. on 4.

Valuation

Metric AVBH COSO Banks Regional median
P/E n/m 11.52 11.98
P/S 3.28 2.27 2.34
P/B 1.11 1.18 1.19
Price to free cash flow 6.26 4.76 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (6.11%) 8.68% 8.23%
Free cash flow yield 15.98% 21.02% 9.08%

Profitability

Metric AVBH COSO Banks Regional median
Gross margin 46.29% 62.61% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (14.12%) 19.59% 18.66%
Free cash flow margin 52.44% 47.72% 21.11%
Return on equity (5.64%) 11.50% 10.65%
Return on assets (0.56%) 1.19% 1.13%
Return on invested capital (7.91%) 6.97% 8.35%

Growth

Metric AVBH COSO Banks Regional median
Revenue growth (TTM) (32.72%) — 6.98%
EPS growth (last fiscal year) (181.52%) 3.26% 18.88%
Revenue growth, 5-year CAGR 36.67% — 12.38%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric AVBH COSO Banks Regional median
Debt to equity 0.07 0.28 0.22
Current ratio 1.03 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBH COSO Banks Regional median
Dividend yield — 0.56% 2.57%
Payout ratio — 0.07 0.30

Size

Metric AVBH COSO Banks Regional median
Market cap 337.83m 319.66m 913.33m

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