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BV Financial, Inc. (BVFL) vs MainStreet Bank (MNSB)

BV Financial, Inc. and MainStreet Bank are both Banks Regional companies. BV Financial, Inc. and MainStreet Bank are of similar size ($184.2M and $172.8M). MainStreet Bank trades at the lower P/E: 11.8× against 14.1×. BV Financial, Inc. grew revenue faster over the last twelve months: 3.00% against −6.22%. BV Financial, Inc. has the higher net margin (25.0% vs 11.6%) and the higher return on invested capital (10.5% vs 8.06%). Across the 18 metrics below, BV Financial, Inc. leads on 10 and MainStreet Bank on 8.

Valuation

Metric BVFL MNSB Banks Regional median
P/E 14.10 11.84 11.98
P/S 3.33 1.32 2.34
P/B 0.95 0.93 1.19
Price to free cash flow 9.70 7.43 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.09% 8.45% 8.23%
Free cash flow yield 10.31% 13.46% 9.08%

Profitability

Metric BVFL MNSB Banks Regional median
Gross margin 76.88% 55.96% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.02% 11.59% 18.66%
Free cash flow margin 34.29% 17.81% 21.11%
Return on equity 6.87% 8.13% 10.65%
Return on assets 1.47% 0.70% 1.13%
Return on invested capital 10.49% 8.06% 8.35%

Growth

Metric BVFL MNSB Banks Regional median
Revenue growth (TTM) 3.00% (6.22%) 6.98%
EPS growth (last fiscal year) 30.00% 210.00% 18.88%
Revenue growth, 5-year CAGR 17.75% 14.30% 12.38%
Net income growth, 5-year CAGR 12.04% (2.25%) 9.71%

Health

Metric BVFL MNSB Banks Regional median
Debt to equity 0.00 0.33 0.22
Current ratio 1.15 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BVFL MNSB Banks Regional median
Dividend yield — 1.66% 2.57%
Payout ratio — 0.20 0.30

Size

Metric BVFL MNSB Banks Regional median
Market cap 184.23m 172.83m 913.33m

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