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Screener Weekly Summary Pricing

Bay Commercial Bank (BCML) vs NewtekOne, Inc. (NEWT)

Bay Commercial Bank and NewtekOne, Inc. are both Banks Regional companies. Bay Commercial Bank and NewtekOne, Inc. are of similar size ($341.8M and $326.4M). NewtekOne, Inc. trades at the lower P/E: 5.0× against 25.7×. NewtekOne, Inc. grew revenue faster over the last twelve months: 11.7% against 2.01%. NewtekOne, Inc. has the higher net margin (15.2% vs 9.20%) and the lower return on invested capital (5.17% vs 6.59%). Both pay a dividend; NewtekOne, Inc. yields more (6.44% vs 2.01%). Across the 21 metrics below, NewtekOne, Inc. leads on 13 and Bay Commercial Bank on 8.

Valuation

Metric BCML NEWT Banks Regional median
P/E 25.73 5.03 12.15
P/S 2.37 0.79 2.37
P/B 1.00 0.88 1.21
Price to free cash flow 12.69 n/m 10.80
EV/EBITDA n/m 12.33 —
EV/Sales 1.34 7.37 2.27
Earnings yield 3.89% 19.89% 8.11%
Free cash flow yield 7.88% (230.43%) 8.98%

Profitability

Metric BCML NEWT Banks Regional median
Gross margin 72.76% 100.00% 69.57%
Operating margin 0.00% 62.85% 0.00%
Net margin 9.20% 15.20% 18.66%
Free cash flow margin 18.66% (181.88%) 21.18%
Return on equity 3.93% 18.79% 10.64%
Return on assets 0.50% 2.33% 1.13%
Return on invested capital 6.59% 5.17% 8.33%

Growth

Metric BCML NEWT Banks Regional median
Revenue growth (TTM) 2.01% 11.71% 6.61%
EPS growth (last fiscal year) 3.81% 11.22% —
Revenue growth, 5-year CAGR 8.07% 32.97% 12.30%
Net income growth, 5-year CAGR 11.76% 11.59% 9.71%

Health

Metric BCML NEWT Banks Regional median
Debt to equity 0.09 6.54 0.22
Current ratio 1.04 0.65 0.94
Net debt to EBITDA 0.00 11.44 0.00

Dividend

Metric BCML NEWT Banks Regional median
Dividend yield 2.01% 6.44% 3.75%
Payout ratio 0.12 1.55 0.27

Size

Metric BCML NEWT Banks Regional median
Market cap 341.80m 326.40m 921.07m

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