Bogota Financial Corporation (BSBK) vs Union Bankshares, Inc. (UNB)

Bogota Financial Corporation and Union Bankshares, Inc. are both Banks Regional companies. Bogota Financial Corporation and Union Bankshares, Inc. are of similar size ($116.2M and $115.0M). Union Bankshares, Inc. trades at the lower P/E: 9.0× against 43.4×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against −3.19%. Union Bankshares, Inc. has the higher net margin (13.4% vs 5.99%) and the higher return on invested capital (12.4% vs 1.14%). Across the 19 metrics below, Union Bankshares, Inc. leads on 14 and Bogota Financial Corporation on 5.

Valuation

Metric BSBK UNB Banks Regional median
P/E 43.43 9.04 12.15
P/S 2.64 1.25 2.37
P/B 0.80 1.25 1.21
Price to free cash flow 27.89 5.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 1.00 2.27
Earnings yield 2.30% 11.06% 8.11%
Free cash flow yield 3.59% 18.85% 8.98%

Profitability

Metric BSBK UNB Banks Regional median
Gross margin 41.63% 63.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% 13.40% 18.66%
Free cash flow margin 9.46% 23.57% 21.18%
Return on equity 1.85% 14.98% 10.64%
Return on assets 0.29% 0.80% 1.13%
Return on invested capital 1.14% 12.37% 8.33%

Growth

Metric BSBK UNB Banks Regional median
Revenue growth (TTM) (3.19%) 9.68% 6.61%
EPS growth (last fiscal year) 200.00% 25.26% —
Revenue growth, 5-year CAGR 12.93% 10.59% 12.30%
Net income growth, 5-year CAGR 0.22% (2.85%) 9.71%

Health

Metric BSBK UNB Banks Regional median
Debt to equity 0.36 0.18 0.22
Current ratio 0.99 0.80 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBK UNB Banks Regional median
Dividend yield — 4.93% 3.75%
Payout ratio 0.00 0.50 0.27

Size

Metric BSBK UNB Banks Regional median
Market cap 114.98m 116.23m 921.07m

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