Bankwell Financial Group, Inc. (BWFG) vs Home Bancorp, Inc. (HBCP)

Bankwell Financial Group, Inc. and Home Bancorp, Inc. are both Banks Regional companies. Bankwell Financial Group, Inc. and Home Bancorp, Inc. are of similar size ($533.0M and $526.2M). Home Bancorp, Inc. trades at the lower P/E: 11.2× against 12.3×. Bankwell Financial Group, Inc. grew revenue faster over the last twelve months: 8.89% against 2.06%. Home Bancorp, Inc. has the higher net margin (22.2% vs 19.5%) and the lower return on invested capital (11.5% vs 16.6%). Both pay a dividend; Bankwell Financial Group, Inc. yields more (3.19% vs 2.75%). Across the 20 metrics below, Home Bancorp, Inc. leads on 11 and Bankwell Financial Group, Inc. on 9.

Valuation

Metric BWFG HBCP Banks Regional median
P/E 12.29 11.20 12.15
P/S 2.41 2.50 2.37
P/B 1.61 1.16 1.21
Price to free cash flow 15.14 10.20 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.93 1.86 2.27
Earnings yield 8.14% 8.93% 8.11%
Free cash flow yield 6.61% 9.80% 8.98%

Profitability

Metric BWFG HBCP Banks Regional median
Gross margin 56.27% 73.15% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.53% 22.23% 18.66%
Free cash flow margin 15.94% 24.48% 21.18%
Return on equity 13.93% 10.84% 10.64%
Return on assets 1.26% 1.32% 1.13%
Return on invested capital 16.59% 11.49% 8.33%

Growth

Metric BWFG HBCP Banks Regional median
Revenue growth (TTM) 8.89% 2.06% 6.61%
EPS growth (last fiscal year) 280.34% 28.73% —
Revenue growth, 5-year CAGR 20.91% 12.05% 12.30%
Net income growth, 5-year CAGR 43.03% 13.21% 9.71%

Health

Metric BWFG HBCP Banks Regional median
Debt to equity 0.31 0.12 0.22
Current ratio 1.03 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWFG HBCP Banks Regional median
Dividend yield 3.19% 2.75% 3.75%
Payout ratio 0.18 0.19 0.27

Size

Metric BWFG HBCP Banks Regional median
Market cap 526.15m 533.01m 921.07m

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