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California BanCorp (BCAL) vs Washington Trust Bancorp, Inc. (WASH)

California BanCorp and Washington Trust Bancorp, Inc. are both Banks Regional companies. California BanCorp and Washington Trust Bancorp, Inc. are of similar size ($707.1M and $698.0M). California BanCorp trades at the lower P/E: 11.7× against 12.7×. Washington Trust Bancorp, Inc. grew revenue faster over the last twelve months: 24.9% against −2.30%. California BanCorp has the higher net margin (26.0% vs 14.5%) and the higher return on invested capital (16.2% vs 4.90%). Both pay a dividend; Washington Trust Bancorp, Inc. yields more (6.04% vs 1.93%). Across the 19 metrics below, California BanCorp leads on 14 and Washington Trust Bancorp, Inc. on 5.

Valuation

Metric BCAL WASH Banks Regional median
P/E 11.69 12.74 11.98
P/S 3.02 1.85 2.34
P/B 1.19 1.28 1.19
Price to free cash flow 11.79 7.37 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.56% 7.85% 8.23%
Free cash flow yield 8.48% 13.56% 9.08%

Profitability

Metric BCAL WASH Banks Regional median
Gross margin 77.87% 61.25% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.01% 14.50% 18.66%
Free cash flow margin 25.61% 25.09% 21.11%
Return on equity 10.61% 10.25% 10.65%
Return on assets 1.51% 0.83% 1.13%
Return on invested capital 16.15% 4.90% 8.35%

Growth

Metric BCAL WASH Banks Regional median
Revenue growth (TTM) (2.30%) 24.92% 6.98%
EPS growth (last fiscal year) 777.27% 266.26% 18.88%
Revenue growth, 5-year CAGR 37.44% 7.90% 12.38%
Net income growth, 5-year CAGR 67.92% (5.60%) 9.71%

Health

Metric BCAL WASH Banks Regional median
Debt to equity 0.00 0.86 0.22
Current ratio 0.99 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCAL WASH Banks Regional median
Dividend yield 1.93% 6.04% 2.57%
Payout ratio 0.23 0.78 0.30

Size

Metric BCAL WASH Banks Regional median
Market cap 697.99m 707.08m 913.33m

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