CB Financial Services, Inc. (CBFV) vs Eagle Bancorp Montana, Inc. (EBMT)

CB Financial Services, Inc. and Eagle Bancorp Montana, Inc. are both Banks Regional companies. CB Financial Services, Inc. is the larger, with a market value of $188.6M against $170.5M — 1.1× the size. Eagle Bancorp Montana, Inc. trades at the lower P/E: 10.5× against 25.9×. Eagle Bancorp Montana, Inc. grew revenue faster over the last twelve months: 2.18% against −9.38%. Eagle Bancorp Montana, Inc. has the higher net margin (12.6% vs 9.90%) and the higher return on invested capital (4.94% vs 4.10%). Both pay a dividend; CB Financial Services, Inc. yields more (4.50% vs 4.37%). Across the 20 metrics below, Eagle Bancorp Montana, Inc. leads on 16 and CB Financial Services, Inc. on 4.

Valuation

Metric CBFV EBMT Banks Regional median
P/E 25.91 10.49 12.15
P/S 2.58 1.32 2.37
P/B 1.16 0.86 1.21
Price to free cash flow 9.60 8.95 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.01 1.85 2.27
Earnings yield 3.86% 9.54% 8.11%
Free cash flow yield 10.41% 11.17% 8.98%

Profitability

Metric CBFV EBMT Banks Regional median
Gross margin 66.30% 74.69% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 12.57% 18.66%
Free cash flow margin 26.86% 14.78% 21.18%
Return on equity 4.65% 8.50% 10.64%
Return on assets 0.45% 0.75% 1.13%
Return on invested capital 4.10% 4.94% 8.33%

Growth

Metric CBFV EBMT Banks Regional median
Revenue growth (TTM) (9.38%) 2.18% 6.61%
EPS growth (last fiscal year) (61.34%) 53.23% —
Revenue growth, 5-year CAGR 3.83% 5.18% 12.30%
Net income growth, 5-year CAGR 0.00% (6.90%) 9.71%

Health

Metric CBFV EBMT Banks Regional median
Debt to equity 0.21 0.49 0.22
Current ratio 0.85 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV EBMT Banks Regional median
Dividend yield 4.50% 4.37% 3.75%
Payout ratio 0.34 0.37 0.27

Size

Metric CBFV EBMT Banks Regional median
Market cap 188.58m 170.46m 921.07m

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