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Bay Commercial Bank (BCML) vs Mvb Financial Corp. (MVBF)

Bay Commercial Bank and Mvb Financial Corp. are both Banks Regional companies. Bay Commercial Bank and Mvb Financial Corp. are of similar size ($336.8M and $332.5M). Mvb Financial Corp. trades at the lower P/E: 14.8× against 25.7×. Bay Commercial Bank grew revenue faster over the last twelve months: 2.01% against −4.19%. Mvb Financial Corp. has the higher net margin (9.46% vs 9.20%) and the higher return on invested capital (15.0% vs 6.59%). Both pay a dividend; Bay Commercial Bank yields more (3.89% vs 2.66%). Across the 18 metrics below, Bay Commercial Bank leads on 9 and Mvb Financial Corp. on 9.

Valuation

Metric BCML MVBF Banks Regional median
P/E 25.69 14.84 12.02
P/S 2.36 1.42 2.36
P/B 1.00 1.00 1.23
Price to free cash flow 12.67 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.89% 6.74% 8.21%
Free cash flow yield 7.89% (10.68%) 9.23%

Profitability

Metric BCML MVBF Banks Regional median
Gross margin 72.76% 71.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.20% 9.46% 18.82%
Free cash flow margin 18.66% (14.69%) 17.97%
Return on equity 3.93% 6.72% 10.28%
Return on assets 0.50% 0.66% 1.13%
Return on invested capital 6.59% 15.02% 8.45%

Growth

Metric BCML MVBF Banks Regional median
Revenue growth (TTM) 2.01% (4.19%) 6.37%
EPS growth (last fiscal year) 3.81% 34.64% 18.85%
Revenue growth, 5-year CAGR 8.07% 6.46% 12.65%
Net income growth, 5-year CAGR 11.76% (6.12%) 9.81%

Health

Metric BCML MVBF Banks Regional median
Debt to equity 0.09 0.00 0.17
Current ratio 1.04 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCML MVBF Banks Regional median
Dividend yield 3.89% 2.66% 2.49%
Payout ratio 1.00 0.41 0.29

Size

Metric BCML MVBF Banks Regional median
Market cap 336.78m 332.49m 934.85m

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