1895 Bancorp of Wisconsin Inc. (BCOW) vs SHF Holdings, Inc. (SHFS)

1895 Bancorp of Wisconsin Inc. and SHF Holdings, Inc. are both Banks Regional companies. 1895 Bancorp of Wisconsin Inc. is the larger, with a market value of $57.9M against $2.1M — 28.1× the size. SHF Holdings, Inc. has negative trailing earnings, so its P/E is not meaningful; 1895 Bancorp of Wisconsin Inc. trades at 84.3×. 1895 Bancorp of Wisconsin Inc. grew revenue faster over the last twelve months: 9.20% against −28.6%. 1895 Bancorp of Wisconsin Inc. has the higher net margin (3.58% vs −64.1%) and the higher return on invested capital (0.70% vs −879.5%). Across the 19 metrics below, 1895 Bancorp of Wisconsin Inc. leads on 12 and SHF Holdings, Inc. on 7.

Valuation

Metric BCOW SHFS Banks Regional median
P/E 84.33 n/m 12.15
P/S 2.87 0.14 2.37
P/B 1.26 0.18 1.21
Price to free cash flow 19.91 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.66 0.78 2.27
Earnings yield 1.19% (618.75%) 8.11%
Free cash flow yield 5.02% (419.03%) 8.98%

Profitability

Metric BCOW SHFS Banks Regional median
Gross margin 61.21% 100.00% 69.57%
Operating margin 0.00% (66.95%) 0.00%
Net margin 3.58% (64.13%) 18.66%
Free cash flow margin 0.00% (56.83%) 21.18%
Return on equity 1.60% 85.14% 10.64%
Return on assets 0.19% (49.79%) 1.13%
Return on invested capital 0.70% (879.51%) 8.33%

Growth

Metric BCOW SHFS Banks Regional median
Revenue growth (TTM) 9.20% (28.59%) 6.61%
EPS growth (last fiscal year) 268.75% 95.30% —
Revenue growth, 5-year CAGR 6.83% 1.84% 12.30%
Net income growth, 5-year CAGR 1.52% 0.00% 9.71%

Health

Metric BCOW SHFS Banks Regional median
Debt to equity 1.41 0.00 0.22
Current ratio 1.13 1.76 0.94
Net debt to EBITDA 0.00 1.30 0.00

Dividend

Metric BCOW SHFS Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 — 0.27

Size

Metric BCOW SHFS Banks Regional median
Market cap 57.91m 2.06m 921.07m

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