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California BanCorp (BCAL) vs Hingham Institution for Savings (HIFS)

California BanCorp and Hingham Institution for Savings are both Banks Regional companies. California BanCorp and Hingham Institution for Savings are of similar size ($690.8M and $659.4M). Hingham Institution for Savings trades at the lower P/E: 10.0× against 11.7×. Hingham Institution for Savings grew revenue faster over the last twelve months: 13.0% against −2.30%. Hingham Institution for Savings has the higher net margin (27.0% vs 26.0%) and the lower return on invested capital (2.88% vs 16.2%). Both pay a dividend; California BanCorp yields more (1.94% vs 0.62%). Across the 19 metrics below, California BanCorp leads on 12 and Hingham Institution for Savings on 7.

Valuation

Metric BCAL HIFS Banks Regional median
P/E 11.65 10.02 12.02
P/S 3.01 2.71 2.36
P/B 1.19 1.31 1.23
Price to free cash flow 11.76 18.81 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.58% 9.98% 8.21%
Free cash flow yield 8.51% 5.32% 9.23%

Profitability

Metric BCAL HIFS Banks Regional median
Gross margin 77.87% 49.39% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.01% 26.99% 18.82%
Free cash flow margin 25.61% 14.43% 17.97%
Return on equity 10.61% 13.91% 10.28%
Return on assets 1.51% 1.46% 1.13%
Return on invested capital 16.15% 2.88% 8.45%

Growth

Metric BCAL HIFS Banks Regional median
Revenue growth (TTM) (2.30%) 13.03% 6.37%
EPS growth (last fiscal year) 777.27% 92.68% 18.85%
Revenue growth, 5-year CAGR 37.44% 15.43% 12.65%
Net income growth, 5-year CAGR 67.92% 1.45% 9.81%

Health

Metric BCAL HIFS Banks Regional median
Debt to equity 0.00 2.77 0.17
Current ratio 0.99 1.50 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCAL HIFS Banks Regional median
Dividend yield 1.94% 0.62% 2.49%
Payout ratio 0.23 0.06 0.29

Size

Metric BCAL HIFS Banks Regional median
Market cap 690.81m 659.44m 934.85m

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