Pricing Log in Create free account

Sierra Bancorp (BSRR) vs Home Bancorp, Inc. (HBCP)

Sierra Bancorp and Home Bancorp, Inc. are both Banks Regional companies. Sierra Bancorp and Home Bancorp, Inc. are of similar size ($518.5M and $507.5M). Home Bancorp, Inc. trades at the lower P/E: 10.9× against 11.6×. Home Bancorp, Inc. grew revenue faster over the last twelve months: 2.06% against −0.63%. Sierra Bancorp has the higher net margin (22.4% vs 22.2%) and the higher return on invested capital (12.1% vs 11.5%). Both pay a dividend; Sierra Bancorp yields more (2.61% vs 1.90%). Across the 19 metrics below, Home Bancorp, Inc. leads on 14 and Sierra Bancorp on 5.

Valuation

Metric BSRR HBCP Banks Regional median
P/E 11.60 10.91 11.98
P/S 2.54 2.43 2.34
P/B 1.39 1.13 1.19
Price to free cash flow 11.31 9.94 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.62% 9.17% 8.23%
Free cash flow yield 8.84% 10.06% 9.08%

Profitability

Metric BSRR HBCP Banks Regional median
Gross margin 77.94% 73.15% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.37% 22.23% 18.66%
Free cash flow margin 22.46% 24.48% 21.11%
Return on equity 12.46% 10.84% 10.65%
Return on assets 1.20% 1.32% 1.13%
Return on invested capital 12.07% 11.49% 8.35%

Growth

Metric BSRR HBCP Banks Regional median
Revenue growth (TTM) (0.63%) 2.06% 6.98%
EPS growth (last fiscal year) 10.28% 28.73% 18.88%
Revenue growth, 5-year CAGR 8.17% 12.05% 12.38%
Net income growth, 5-year CAGR 3.61% 13.21% 9.71%

Health

Metric BSRR HBCP Banks Regional median
Debt to equity 0.23 0.12 0.22
Current ratio 0.80 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR HBCP Banks Regional median
Dividend yield 2.61% 1.90% 2.57%
Payout ratio 0.30 0.21 0.30

Size

Metric BSRR HBCP Banks Regional median
Market cap 507.52m 518.45m 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack