Bogota Financial Corporation (BSBK) vs Winchester Bancorp, Inc. (WSBK)

Bogota Financial Corporation and Winchester Bancorp, Inc. are both Banks Regional companies. Bogota Financial Corporation and Winchester Bancorp, Inc. are of similar size ($115.0M and $113.8M). Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against −3.19%. Winchester Bancorp, Inc. has the higher net margin (8.56% vs 5.99%) and the higher return on invested capital (1.64% vs 1.14%). Across the 14 metrics below, Winchester Bancorp, Inc. leads on 11 and Bogota Financial Corporation on 3.

Valuation

Metric BSBK WSBK Banks Regional median
P/E 43.43 — 12.15
P/S 2.64 2.21 2.37
P/B 0.80 0.95 1.21
Price to free cash flow 27.89 21.75 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 4.11 2.27
Earnings yield 2.30% — 8.11%
Free cash flow yield 3.59% 4.60% 8.98%

Profitability

Metric BSBK WSBK Banks Regional median
Gross margin 41.63% 50.85% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.99% 8.56% 18.66%
Free cash flow margin 9.46% 10.17% 21.18%
Return on equity 1.85% 3.75% 10.64%
Return on assets 0.29% 0.43% 1.13%
Return on invested capital 1.14% 1.64% 8.33%

Growth

Metric BSBK WSBK Banks Regional median
Revenue growth (TTM) (3.19%) 16.05% 6.61%
EPS growth (last fiscal year) 200.00% — —
Revenue growth, 5-year CAGR 12.93% — 12.30%
Net income growth, 5-year CAGR 0.22% — 9.71%

Health

Metric BSBK WSBK Banks Regional median
Debt to equity 0.36 1.31 0.22
Current ratio 0.99 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSBK WSBK Banks Regional median
Dividend yield — — 3.75%
Payout ratio 0.00 — 0.27

Size

Metric BSBK WSBK Banks Regional median
Market cap 114.98m 113.80m 921.07m

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