Macro Bank Inc. (BMA) vs CVB Financial Corporation (CVBF)

Macro Bank Inc. and CVB Financial Corporation are both Banks Regional companies. Macro Bank Inc. and CVB Financial Corporation are of similar size ($4.1B and $3.8B). Macro Bank Inc. trades at the lower P/E: 14.0× against 15.1×. Macro Bank Inc. grew revenue faster over the last twelve months: 13.9% against 8.42%. CVB Financial Corporation has the higher net margin (28.8% vs 6.18%) and the lower return on invested capital (7.62% vs 8.33%). Both pay a dividend; Macro Bank Inc. yields more (6.47% vs 3.66%). Across the 19 metrics below, Macro Bank Inc. leads on 12 and CVB Financial Corporation on 7.

Valuation

Metric BMA CVBF Banks Regional median
P/E 14.01 15.08 11.98
P/S 0.84 5.13 2.34
P/B 0.93 1.15 1.19
Price to free cash flow 3.58 6.38 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.14% 6.63% 8.23%
Free cash flow yield 27.94% 15.67% 9.08%

Profitability

Metric BMA CVBF Banks Regional median
Gross margin 67.78% 80.52% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.18% 28.84% 18.66%
Free cash flow margin 0.00% 80.31% 21.11%
Return on equity 7.08% 7.60% 10.65%
Return on assets 1.73% 1.12% 1.13%
Return on invested capital 8.33% 7.62% 8.35%

Growth

Metric BMA CVBF Banks Regional median
Revenue growth (TTM) 13.93% 8.42% 6.98%
EPS growth (last fiscal year) (44.54%) 5.56% 18.88%
Revenue growth, 5-year CAGR 10.36% 6.19% 12.38%
Net income growth, 5-year CAGR (9.01%) 3.32% 9.71%

Health

Metric BMA CVBF Banks Regional median
Debt to equity 0.26 0.17 0.22
Current ratio 1.10 0.77 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BMA CVBF Banks Regional median
Dividend yield 6.47% 3.66% 2.57%
Payout ratio 0.91 0.55 0.30

Size

Metric BMA CVBF Banks Regional median
Market cap 4.09b 3.84b 913.33m

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