Bank7 Corp. (BSVN) vs Colony Bankcorp, Inc. (CBAN)

Bank7 Corp. and Colony Bankcorp, Inc. are both Banks Regional companies. Bank7 Corp. and Colony Bankcorp, Inc. are of similar size ($556.7M and $546.8M). Colony Bankcorp, Inc. trades at the lower P/E: 12.1× against 13.2×. Colony Bankcorp, Inc. grew revenue faster over the last twelve months: 16.3% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 15.4%) and the higher return on invested capital (78.0% vs 6.15%). Both pay a dividend; Bank7 Corp. yields more (1.90% vs 1.80%). Across the 19 metrics below, Bank7 Corp. leads on 11 and Colony Bankcorp, Inc. on 8.

Valuation

Metric BSVN CBAN Banks Regional median
P/E 13.17 12.11 12.02
P/S 4.02 1.99 2.36
P/B 2.09 1.08 1.23
Price to free cash flow 11.29 18.60 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.59% 8.26% 8.21%
Free cash flow yield 8.86% 5.38% 9.23%

Profitability

Metric BSVN CBAN Banks Regional median
Gross margin 71.17% 71.44% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 15.42% 18.82%
Free cash flow margin 35.58% 10.71% 17.97%
Return on equity 16.85% 9.57% 10.28%
Return on assets 2.24% 0.97% 1.13%
Return on invested capital 77.98% 6.15% 8.45%

Growth

Metric BSVN CBAN Banks Regional median
Revenue growth (TTM) (0.23%) 16.31% 6.37%
EPS growth (last fiscal year) (7.02%) 16.91% 18.85%
Revenue growth, 5-year CAGR 20.08% 16.84% 12.65%
Net income growth, 5-year CAGR 17.46% 19.05% 9.81%

Health

Metric BSVN CBAN Banks Regional median
Debt to equity 0.00 0.60 0.17
Current ratio 1.11 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN CBAN Banks Regional median
Dividend yield 1.90% 1.80% 2.49%
Payout ratio 0.25 0.22 0.29

Size

Metric BSVN CBAN Banks Regional median
Market cap 556.69m 546.77m 934.85m

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