Bogota Financial Corporation (BSBK) vs Hoyne Bancorp, Inc. (HYNE)

Bogota Financial Corporation and Hoyne Bancorp, Inc. are both Banks Regional companies. Hoyne Bancorp, Inc. is the larger, with a market value of $136.0M against $116.5M — 1.2× the size. Bogota Financial Corporation has the higher net margin (5.99% vs 1.14%) and the higher return on invested capital (1.14% vs 0.02%). Across the 11 metrics below, Bogota Financial Corporation leads on 8 and Hoyne Bancorp, Inc. on 3.

Valuation

Metric BSBK HYNE Banks Regional median
P/E 43.43 — 11.98
P/S 2.64 5.52 2.34
P/B 0.80 0.78 1.19
Price to free cash flow 27.89 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 2.30% — 8.23%
Free cash flow yield 3.59% (3.42%) 9.08%

Profitability

Metric BSBK HYNE Banks Regional median
Gross margin 41.63% 77.92% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% 1.14% 18.66%
Free cash flow margin 9.46% (18.89%) 21.11%
Return on equity 1.85% 0.21% 10.65%
Return on assets 0.29% 0.11% 1.13%
Return on invested capital 1.14% 0.02% 8.35%

Growth

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

Health

Metric BSBK HYNE Banks Regional median
Debt to equity 0.36 0.00 0.22
Current ratio 0.99 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric BSBK HYNE Banks Regional median
Market cap 116.51m 136.03m 913.33m

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