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CB Financial Services, Inc. (CBFV) vs ECB Bancorp, Inc. (ECBK)

CB Financial Services, Inc. and ECB Bancorp, Inc. are both Banks Regional companies. CB Financial Services, Inc. is the larger, with a market value of $194.0M against $173.4M — 1.1× the size. ECB Bancorp, Inc. trades at the lower P/E: 13.9× against 26.3×. ECB Bancorp, Inc. grew revenue faster over the last twelve months: 18.6% against −9.38%. ECB Bancorp, Inc. has the higher net margin (13.2% vs 9.90%) and the lower return on invested capital (2.96% vs 4.10%). Across the 18 metrics below, ECB Bancorp, Inc. leads on 14 and CB Financial Services, Inc. on 4.

Valuation

Metric CBFV ECBK Banks Regional median
P/E 26.26 13.94 11.98
P/S 2.61 1.83 2.34
P/B 1.18 0.88 1.19
Price to free cash flow 9.73 7.07 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.81% 7.17% 8.23%
Free cash flow yield 10.27% 14.14% 9.08%

Profitability

Metric CBFV ECBK Banks Regional median
Gross margin 66.30% 44.84% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 13.19% 18.66%
Free cash flow margin 26.86% 25.88% 21.11%
Return on equity 4.65% 6.56% 10.65%
Return on assets 0.45% 0.72% 1.13%
Return on invested capital 4.10% 2.96% 8.35%

Growth

Metric CBFV ECBK Banks Regional median
Revenue growth (TTM) (9.38%) 18.64% 6.98%
EPS growth (last fiscal year) (61.34%) 95.83% 18.88%
Revenue growth, 5-year CAGR 3.83% 35.93% 12.38%
Net income growth, 5-year CAGR 0.00% 9.84% 9.71%

Health

Metric CBFV ECBK Banks Regional median
Debt to equity 0.21 1.58 0.22
Current ratio 0.85 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV ECBK Banks Regional median
Dividend yield 2.93% — 2.57%
Payout ratio 0.81 — 0.30

Size

Metric CBFV ECBK Banks Regional median
Market cap 194.02m 173.44m 913.33m

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