Pricing Log in Create free account

Bay Commercial Bank (BCML) vs FS Bancorp, Inc. (FSBW)

Bay Commercial Bank and FS Bancorp, Inc. are both Banks Regional companies. Bay Commercial Bank and FS Bancorp, Inc. are of similar size ($350.9M and $338.1M). FS Bancorp, Inc. trades at the lower P/E: 10.1× against 26.0×. FS Bancorp, Inc. grew revenue faster over the last twelve months: 6.61% against 2.01%. FS Bancorp, Inc. has the higher net margin (14.6% vs 9.20%) and the lower return on invested capital (4.01% vs 6.59%). Both pay a dividend; Bay Commercial Bank yields more (3.85% vs 2.56%). Across the 19 metrics below, FS Bancorp, Inc. leads on 12 and Bay Commercial Bank on 7.

Valuation

Metric BCML FSBW Banks Regional median
P/E 25.96 10.15 11.98
P/S 2.39 1.47 2.34
P/B 1.01 1.03 1.19
Price to free cash flow 12.80 2.52 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.85% 9.86% 8.23%
Free cash flow yield 7.81% 39.67% 9.08%

Profitability

Metric BCML FSBW Banks Regional median
Gross margin 72.76% 69.57% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 14.62% 18.66%
Free cash flow margin 18.66% 43.75% 21.11%
Return on equity 3.93% 10.64% 10.65%
Return on assets 0.50% 1.03% 1.13%
Return on invested capital 6.59% 4.01% 8.35%

Growth

Metric BCML FSBW Banks Regional median
Revenue growth (TTM) 2.01% 6.61% 6.98%
EPS growth (last fiscal year) 3.81% (1.61%) 18.88%
Revenue growth, 5-year CAGR 8.07% 8.77% 12.38%
Net income growth, 5-year CAGR 11.76% (3.28%) 9.71%

Health

Metric BCML FSBW Banks Regional median
Debt to equity 0.09 1.17 0.22
Current ratio 1.04 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML FSBW Banks Regional median
Dividend yield 3.85% 2.56% 2.57%
Payout ratio 1.00 0.27 0.30

Size

Metric BCML FSBW Banks Regional median
Market cap 338.09m 350.89m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack