CB Financial Services, Inc. (CBFV) vs First Capital, Inc. (FCAP)

CB Financial Services, Inc. and First Capital, Inc. are both Banks Regional companies. CB Financial Services, Inc. and First Capital, Inc. are of similar size ($206.0M and $194.0M). First Capital, Inc. trades at the lower P/E: 11.1× against 26.3×. First Capital, Inc. grew revenue faster over the last twelve months: 12.1% against −9.38%. First Capital, Inc. has the higher net margin (26.8% vs 9.90%) and the lower return on invested capital (0.00% vs 4.10%). Both pay a dividend; CB Financial Services, Inc. yields more (2.93% vs 2.03%). Across the 19 metrics below, First Capital, Inc. leads on 14 and CB Financial Services, Inc. on 5.

Valuation

Metric CBFV FCAP Banks Regional median
P/E 26.26 11.12 11.98
P/S 2.61 2.98 2.34
P/B 1.18 1.44 1.19
Price to free cash flow 9.73 9.45 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.81% 9.00% 8.23%
Free cash flow yield 10.27% 10.59% 9.08%

Profitability

Metric CBFV FCAP Banks Regional median
Gross margin 66.30% 79.17% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 26.79% 18.66%
Free cash flow margin 26.86% 31.53% 21.11%
Return on equity 4.65% 13.88% 10.65%
Return on assets 0.45% 1.46% 1.13%
Return on invested capital 4.10% 0.00% 8.35%

Growth

Metric CBFV FCAP Banks Regional median
Revenue growth (TTM) (9.38%) 12.14% 6.98%
EPS growth (last fiscal year) (61.34%) 36.97% 18.88%
Revenue growth, 5-year CAGR 3.83% 11.30% 12.38%
Net income growth, 5-year CAGR 0.00% 10.07% 9.71%

Health

Metric CBFV FCAP Banks Regional median
Debt to equity 0.21 0.00 0.22
Current ratio 0.85 0.72 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV FCAP Banks Regional median
Dividend yield 2.93% 2.03% 2.57%
Payout ratio 0.81 0.23 0.30

Size

Metric CBFV FCAP Banks Regional median
Market cap 194.02m 206.00m 913.33m

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