1895 Bancorp of Wisconsin Inc. (BCOW) vs Home Federal Bancorp, Inc. of Louisiana (HFBL)

1895 Bancorp of Wisconsin Inc. and Home Federal Bancorp, Inc. of Louisiana are both Banks Regional companies. Home Federal Bancorp, Inc. of Louisiana is the larger, with a market value of $73.1M against $57.9M — 1.3× the size. Home Federal Bancorp, Inc. of Louisiana trades at the lower P/E: 11.8× against 88.0×. 1895 Bancorp of Wisconsin Inc. grew revenue faster over the last twelve months: 9.20% against 8.33%. Home Federal Bancorp, Inc. of Louisiana has the higher net margin (17.6% vs 3.58%) and the higher return on invested capital (17.4% vs 0.70%). Across the 18 metrics below, Home Federal Bancorp, Inc. of Louisiana leads on 14 and 1895 Bancorp of Wisconsin Inc. on 4.

Valuation

Metric BCOW HFBL Banks Regional median
P/E 88.00 11.76 11.98
P/S 2.99 2.07 2.34
P/B 1.31 1.24 1.19
Price to free cash flow 20.78 8.35 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.14% 8.50% 8.23%
Free cash flow yield 4.81% 11.97% 9.08%

Profitability

Metric BCOW HFBL Banks Regional median
Gross margin 61.21% 69.55% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 3.58% 17.55% 18.66%
Free cash flow margin 0.00% 24.73% 21.11%
Return on equity 1.60% 10.84% 10.65%
Return on assets 0.19% 0.99% 1.13%
Return on invested capital 0.70% 17.37% 8.35%

Growth

Metric BCOW HFBL Banks Regional median
Revenue growth (TTM) 9.20% 8.33% 6.98%
EPS growth (last fiscal year) 268.75% 60.32% 18.88%
Revenue growth, 5-year CAGR 6.83% 6.48% 12.38%
Net income growth, 5-year CAGR 1.52% 2.85% 9.71%

Health

Metric BCOW HFBL Banks Regional median
Debt to equity 1.41 0.06 0.22
Current ratio 1.13 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BCOW HFBL Banks Regional median
Dividend yield — 0.00% 2.57%
Payout ratio — 0.00 0.30

Size

Metric BCOW HFBL Banks Regional median
Market cap 57.91m 73.10m 913.33m

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