Bar Harbor Bankshares, Inc. (BHB) vs Community West Bancshares (CWBC)

Bar Harbor Bankshares, Inc. and Community West Bancshares are both Banks Regional companies. Bar Harbor Bankshares, Inc. and Community West Bancshares are of similar size ($707.1M and $691.9M). Bar Harbor Bankshares, Inc. trades at the lower P/E: 13.9× against 14.0×. Bar Harbor Bankshares, Inc. grew revenue faster over the last twelve months: 18.9% against 12.9%. Bar Harbor Bankshares, Inc. has the higher net margin (18.5% vs 16.9%) and the lower return on invested capital (5.35% vs 6.83%). Both pay a dividend; Bar Harbor Bankshares, Inc. yields more (3.19% vs 1.84%). Across the 19 metrics below, Bar Harbor Bankshares, Inc. leads on 11 and Community West Bancshares on 8.

Valuation

Metric BHB CWBC Banks Regional median
P/E 13.94 14.03 12.02
P/S 2.59 3.29 2.36
P/B 1.26 1.16 1.23
Price to free cash flow 12.05 14.63 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.17% 7.13% 8.21%
Free cash flow yield 8.30% 6.84% 9.23%

Profitability

Metric BHB CWBC Banks Regional median
Gross margin 72.30% 76.29% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.46% 16.86% 18.82%
Free cash flow margin 21.53% 22.46% 17.97%
Return on equity 9.70% 7.33% 10.28%
Return on assets 1.12% 0.84% 1.13%
Return on invested capital 5.35% 6.83% 8.45%

Growth

Metric BHB CWBC Banks Regional median
Revenue growth (TTM) 18.94% 12.91% 6.37%
EPS growth (last fiscal year) (18.66%) 344.44% 18.85%
Revenue growth, 5-year CAGR 7.61% 19.71% 12.65%
Net income growth, 5-year CAGR 2.12% 13.41% 9.81%

Health

Metric BHB CWBC Banks Regional median
Debt to equity 0.51 0.12 0.17
Current ratio 0.96 0.89 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BHB CWBC Banks Regional median
Dividend yield 3.19% 1.84% 2.49%
Payout ratio 0.45 0.26 0.29

Size

Metric BHB CWBC Banks Regional median
Market cap 691.93m 707.13m 934.85m

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