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Bay Commercial Bank (BCML) vs Chain Bridge Bancorp, Inc. (CBNA)

Bay Commercial Bank and Chain Bridge Bancorp, Inc. are both Banks Regional companies. Bay Commercial Bank and Chain Bridge Bancorp, Inc. are of similar size ($336.8M and $329.7M). Chain Bridge Bancorp, Inc. trades at the lower P/E: 12.2× against 25.7×. Chain Bridge Bancorp, Inc. grew revenue faster over the last twelve months: 14.4% against 2.01%. Chain Bridge Bancorp, Inc. has the higher net margin (38.6% vs 9.20%) and the lower return on invested capital (0.00% vs 6.59%). Across the 16 metrics below, Chain Bridge Bancorp, Inc. leads on 9 and Bay Commercial Bank on 7.

Valuation

Metric BCML CBNA Banks Regional median
P/E 25.69 12.24 12.02
P/S 2.36 4.73 2.36
P/B 1.00 1.78 1.23
Price to free cash flow 12.67 19.54 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.89% 8.17% 8.21%
Free cash flow yield 7.89% 5.12% 9.23%

Profitability

Metric BCML CBNA Banks Regional median
Gross margin 72.76% 94.59% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 38.64% 18.82%
Free cash flow margin 18.66% 24.21% 17.97%
Return on equity 3.93% 15.64% 10.28%
Return on assets 0.50% 1.46% 1.13%
Return on invested capital 6.59% 0.00% 8.45%

Growth

Metric BCML CBNA Banks Regional median
Revenue growth (TTM) 2.01% 14.44% 6.37%
EPS growth (last fiscal year) 3.81% (26.14%) 18.85%
Revenue growth, 5-year CAGR 8.07% — 12.65%
Net income growth, 5-year CAGR 11.76% — 9.81%

Health

Metric BCML CBNA Banks Regional median
Debt to equity 0.09 0.00 0.17
Current ratio 1.04 0.55 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML CBNA Banks Regional median
Dividend yield 3.89% — 2.49%
Payout ratio 1.00 — 0.29

Size

Metric BCML CBNA Banks Regional median
Market cap 336.78m 329.71m 934.85m

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