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Bay Commercial Bank (BCML) vs CoastalSouth Bancshares, Inc. (COSO)

Bay Commercial Bank and CoastalSouth Bancshares, Inc. are both Banks Regional companies. Bay Commercial Bank and CoastalSouth Bancshares, Inc. are of similar size ($336.8M and $331.6M). CoastalSouth Bancshares, Inc. trades at the lower P/E: 12.3× against 25.7×. CoastalSouth Bancshares, Inc. has the higher net margin (19.6% vs 9.20%) and the higher return on invested capital (6.97% vs 6.59%). Both pay a dividend; Bay Commercial Bank yields more (3.89% vs 0.53%). Across the 16 metrics below, CoastalSouth Bancshares, Inc. leads on 9 and Bay Commercial Bank on 7.

Valuation

Metric BCML COSO Banks Regional median
P/E 25.69 12.29 12.02
P/S 2.36 2.42 2.36
P/B 1.00 1.26 1.23
Price to free cash flow 12.67 5.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.89% 8.13% 8.21%
Free cash flow yield 7.89% 19.68% 9.23%

Profitability

Metric BCML COSO Banks Regional median
Gross margin 72.76% 62.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 19.59% 18.82%
Free cash flow margin 18.66% 47.72% 17.97%
Return on equity 3.93% 11.50% 10.28%
Return on assets 0.50% 1.19% 1.13%
Return on invested capital 6.59% 6.97% 8.45%

Growth

Metric BCML COSO Banks Regional median
Revenue growth (TTM) 2.01% — 6.37%
EPS growth (last fiscal year) 3.81% 3.26% 18.85%
Revenue growth, 5-year CAGR 8.07% — 12.65%
Net income growth, 5-year CAGR 11.76% — 9.81%

Health

Metric BCML COSO Banks Regional median
Debt to equity 0.09 0.28 0.17
Current ratio 1.04 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML COSO Banks Regional median
Dividend yield 3.89% 0.53% 2.49%
Payout ratio 1.00 0.07 0.29

Size

Metric BCML COSO Banks Regional median
Market cap 336.78m 331.61m 934.85m

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