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CB Financial Services, Inc. (CBFV) vs GBank Financial Holdings Inc. (GBFH)

CB Financial Services, Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. CB Financial Services, Inc. and GBank Financial Holdings Inc. are of similar size ($224.3M and $207.6M). GBank Financial Holdings Inc. trades at the lower P/E: 12.0× against 28.6×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against −9.38%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs 9.90%) and the higher return on invested capital (23.9% vs 4.10%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 14 and CB Financial Services, Inc. on 2.

Valuation

Metric CBFV GBFH Banks Regional median
P/E 28.57 12.02 12.02
P/S 2.84 1.87 2.36
P/B 1.28 1.30 1.23
Price to free cash flow 10.59 7.22 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.50% 8.32% 8.21%
Free cash flow yield 9.44% 13.84% 9.23%

Profitability

Metric CBFV GBFH Banks Regional median
Gross margin 66.30% 68.90% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 15.44% 18.82%
Free cash flow margin 26.86% 25.93% 17.97%
Return on equity 4.65% 11.39% 10.28%
Return on assets 0.45% 1.39% 1.13%
Return on invested capital 4.10% 23.93% 8.45%

Growth

Metric CBFV GBFH Banks Regional median
Revenue growth (TTM) (9.38%) 19.95% 6.37%
EPS growth (last fiscal year) (61.34%) 5.11% 18.85%
Revenue growth, 5-year CAGR 3.83% — 12.65%
Net income growth, 5-year CAGR 0.00% — 9.81%

Health

Metric CBFV GBFH Banks Regional median
Debt to equity 0.21 0.18 0.17
Current ratio 0.85 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV GBFH Banks Regional median
Dividend yield 2.69% — 2.49%
Payout ratio 0.81 — 0.29

Size

Metric CBFV GBFH Banks Regional median
Market cap 207.57m 224.33m 934.85m

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