BV Financial, Inc. (BVFL) vs SB Financial Group, Inc. (SBFG)

BV Financial, Inc. and SB Financial Group, Inc. are both Banks Regional companies. BV Financial, Inc. and SB Financial Group, Inc. are of similar size ($184.2M and $183.5M). SB Financial Group, Inc. trades at the lower P/E: 11.0× against 14.1×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.95% against 3.00%. BV Financial, Inc. has the higher net margin (25.0% vs 17.7%) and the lower return on invested capital (10.5% vs 26.8%). Across the 18 metrics below, BV Financial, Inc. leads on 10 and SB Financial Group, Inc. on 8.

Valuation

Metric BVFL SBFG Banks Regional median
P/E 14.10 11.02 11.98
P/S 3.33 1.93 2.34
P/B 0.95 1.25 1.19
Price to free cash flow 9.70 7.93 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.09% 9.08% 8.23%
Free cash flow yield 10.31% 12.61% 9.08%

Profitability

Metric BVFL SBFG Banks Regional median
Gross margin 76.88% 72.07% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.02% 17.67% 18.66%
Free cash flow margin 34.29% 24.35% 21.11%
Return on equity 6.87% 11.95% 10.65%
Return on assets 1.47% 1.08% 1.13%
Return on invested capital 10.49% 26.76% 8.35%

Growth

Metric BVFL SBFG Banks Regional median
Revenue growth (TTM) 3.00% 8.95% 6.98%
EPS growth (last fiscal year) 30.00% 27.33% 18.88%
Revenue growth, 5-year CAGR 17.75% 4.59% 12.38%
Net income growth, 5-year CAGR 12.04% (1.33%) 9.71%

Health

Metric BVFL SBFG Banks Regional median
Debt to equity 0.00 0.29 0.22
Current ratio 1.15 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BVFL SBFG Banks Regional median
Dividend yield — 2.13% 2.57%
Payout ratio — 0.24 0.30

Size

Metric BVFL SBFG Banks Regional median
Market cap 184.23m 183.46m 913.33m

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