Bogota Financial Corporation (BSBK) vs First Guaranty Bancshares, Inc. (FGBI)

Bogota Financial Corporation and First Guaranty Bancshares, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. is the larger, with a market value of $135.0M against $116.5M — 1.2× the size. First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; Bogota Financial Corporation trades at 43.4×. Bogota Financial Corporation grew revenue faster over the last twelve months: −3.19% against −8.17%. Bogota Financial Corporation has the higher net margin (5.99% vs −17.9%) and the higher return on invested capital (1.14% vs 0.00%). Across the 17 metrics below, Bogota Financial Corporation leads on 11 and First Guaranty Bancshares, Inc. on 6.

Valuation

Metric BSBK FGBI Banks Regional median
P/E 43.43 n/m 11.98
P/S 2.64 0.62 2.34
P/B 0.80 0.69 1.19
Price to free cash flow 27.89 3.36 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.30% (29.44%) 8.23%
Free cash flow yield 3.59% 29.78% 9.08%

Profitability

Metric BSBK FGBI Banks Regional median
Gross margin 41.63% 43.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% (17.91%) 18.66%
Free cash flow margin 9.46% 18.49% 21.11%
Return on equity 1.85% (18.24%) 10.65%
Return on assets 0.29% (0.98%) 1.13%
Return on invested capital 1.14% 0.00% 8.35%

Growth

Metric BSBK FGBI Banks Regional median
Revenue growth (TTM) (3.19%) (8.17%) 6.98%
EPS growth (last fiscal year) 200.00% (614.81%) 18.88%
Revenue growth, 5-year CAGR 12.93% 12.24% 12.38%
Net income growth, 5-year CAGR 0.22% 0.00% 9.71%

Health

Metric BSBK FGBI Banks Regional median
Debt to equity 0.36 0.82 0.22
Current ratio 0.99 0.73 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBK FGBI Banks Regional median
Dividend yield — 0.49% 2.57%
Payout ratio — — 0.30

Size

Metric BSBK FGBI Banks Regional median
Market cap 116.51m 134.96m 913.33m

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