BV Financial, Inc. (BVFL) vs FinWise Bancorp (FINW)

BV Financial, Inc. and FinWise Bancorp are both Banks Regional companies. BV Financial, Inc. is the larger, with a market value of $176.3M against $156.6M — 1.1× the size. FinWise Bancorp trades at the lower P/E: 11.1× against 13.6×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 3.00%. BV Financial, Inc. has the higher net margin (25.0% vs 6.53%) and the lower return on invested capital (10.5% vs 11.0%). Across the 18 metrics below, FinWise Bancorp leads on 11 and BV Financial, Inc. on 7.

Valuation

Metric BVFL FINW Banks Regional median
P/E 13.55 11.10 12.15
P/S 3.20 0.73 2.37
P/B 0.91 0.75 1.21
Price to free cash flow 9.32 28.77 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.53 0.27 2.27
Earnings yield 7.38% 9.01% 8.11%
Free cash flow yield 10.73% 3.48% 8.98%

Profitability

Metric BVFL FINW Banks Regional median
Gross margin 76.88% 89.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.02% 6.53% 18.66%
Free cash flow margin 34.29% 2.55% 21.18%
Return on equity 6.87% 6.94% 10.64%
Return on assets 1.47% 1.50% 1.13%
Return on invested capital 10.49% 10.95% 8.33%

Growth

Metric BVFL FINW Banks Regional median
Revenue growth (TTM) 3.00% 90.17% 6.61%
EPS growth (last fiscal year) 30.00% 21.51% —
Revenue growth, 5-year CAGR 17.75% 28.03% 12.30%
Net income growth, 5-year CAGR 12.04% 8.23% 9.71%

Health

Metric BVFL FINW Banks Regional median
Debt to equity 0.00 0.00 0.22
Current ratio 1.15 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BVFL FINW Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric BVFL FINW Banks Regional median
Market cap 176.27m 156.60m 921.07m

Compare with another peer

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