Princeton Bancorp, Inc. (BPRN) vs First Western Financial, Inc. (MYFW)

Princeton Bancorp, Inc. and First Western Financial, Inc. are both Banks Regional companies. Princeton Bancorp, Inc. and First Western Financial, Inc. are of similar size ($295.6M and $287.7M). Princeton Bancorp, Inc. trades at the lower P/E: 11.5× against 15.5×. First Western Financial, Inc. grew revenue faster over the last twelve months: 8.99% against −2.79%. Princeton Bancorp, Inc. has the higher net margin (19.0% vs 9.50%) and the higher return on invested capital (9.78% vs 7.99%). Across the 18 metrics below, Princeton Bancorp, Inc. leads on 12 and First Western Financial, Inc. on 6.

Valuation

Metric BPRN MYFW Banks Regional median
P/E 11.52 15.49 11.98
P/S 2.20 1.48 2.34
P/B 1.07 1.02 1.19
Price to free cash flow 12.79 11.12 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 6.45% 8.23%
Free cash flow yield 7.82% 8.99% 9.08%

Profitability

Metric BPRN MYFW Banks Regional median
Gross margin 63.21% 56.00% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.99% 9.50% 18.66%
Free cash flow margin 17.17% 13.32% 21.11%
Return on equity 9.54% 6.84% 10.65%
Return on assets 1.13% 0.59% 1.13%
Return on invested capital 9.78% 7.99% 8.35%

Growth

Metric BPRN MYFW Banks Regional median
Revenue growth (TTM) (2.79%) 8.99% 6.98%
EPS growth (last fiscal year) 74.84% 55.17% 18.88%
Revenue growth, 5-year CAGR 15.90% 12.26% 12.38%
Net income growth, 5-year CAGR 6.15% (11.68%) 9.71%

Health

Metric BPRN MYFW Banks Regional median
Debt to equity 0.00 0.29 0.22
Current ratio 0.94 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BPRN MYFW Banks Regional median
Dividend yield 3.19% — 2.57%
Payout ratio 0.37 — 0.30

Size

Metric BPRN MYFW Banks Regional median
Market cap 295.56m 287.68m 913.33m

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