Camden National Corporation (CAC) vs NB Bancorp, Inc. (NBBK)

Camden National Corporation and NB Bancorp, Inc. are both Banks Regional companies. Camden National Corporation and NB Bancorp, Inc. are of similar size ($961.4M and $918.6M). Camden National Corporation trades at the lower P/E: 11.0× against 14.9×. NB Bancorp, Inc. grew revenue faster over the last twelve months: 27.9% against 12.7%. Camden National Corporation has the higher net margin (23.6% vs 14.3%) and the higher return on invested capital (10.1% vs 10.1%). Across the 17 metrics below, Camden National Corporation leads on 11 and NB Bancorp, Inc. on 6.

Valuation

Metric CAC NBBK Banks Regional median
P/E 11.05 14.87 12.15
P/S 2.61 2.16 2.37
P/B 1.35 1.07 1.21
Price to free cash flow 9.26 11.50 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.50 1.64 2.27
Earnings yield 9.05% 6.73% 8.11%
Free cash flow yield 10.80% 8.70% 8.98%

Profitability

Metric CAC NBBK Banks Regional median
Gross margin 70.72% 62.48% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.64% 14.27% 18.66%
Free cash flow margin 28.19% 18.82% 21.18%
Return on equity 12.87% 7.49% 10.64%
Return on assets 1.28% 0.93% 1.13%
Return on invested capital 10.09% 10.08% 8.33%

Growth

Metric CAC NBBK Banks Regional median
Revenue growth (TTM) 12.69% 27.92% 6.61%
EPS growth (last fiscal year) 6.08% 25.23% —
Revenue growth, 5-year CAGR 12.43% — 12.30%
Net income growth, 5-year CAGR 1.89% — 9.71%

Health

Metric CAC NBBK Banks Regional median
Debt to equity 0.09 0.22 0.22
Current ratio 0.82 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CAC NBBK Banks Regional median
Dividend yield 5.40% — 3.75%
Payout ratio 0.44 — 0.27

Size

Metric CAC NBBK Banks Regional median
Market cap 961.44m 918.64m 921.07m

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