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CB Financial Services, Inc. (CBFV) vs OP Bancorp (OPBK)

CB Financial Services, Inc. and OP Bancorp are both Banks Regional companies. CB Financial Services, Inc. and OP Bancorp are of similar size ($220.6M and $207.6M). OP Bancorp trades at the lower P/E: 7.6× against 28.6×. OP Bancorp grew revenue faster over the last twelve months: 7.14% against −9.38%. OP Bancorp has the higher net margin (16.9% vs 9.90%) and the higher return on invested capital (15.4% vs 4.10%). Both pay a dividend; OP Bancorp yields more (3.65% vs 2.69%). Across the 19 metrics below, OP Bancorp leads on 16 and CB Financial Services, Inc. on 3.

Valuation

Metric CBFV OPBK Banks Regional median
P/E 28.57 7.59 12.02
P/S 2.84 1.28 2.36
P/B 1.28 0.92 1.23
Price to free cash flow 10.59 8.17 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.50% 13.18% 8.21%
Free cash flow yield 9.44% 12.24% 9.23%

Profitability

Metric CBFV OPBK Banks Regional median
Gross margin 66.30% 57.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.90% 16.90% 18.82%
Free cash flow margin 26.86% 15.72% 17.97%
Return on equity 4.65% 12.83% 10.28%
Return on assets 0.45% 1.09% 1.13%
Return on invested capital 4.10% 15.37% 8.45%

Growth

Metric CBFV OPBK Banks Regional median
Revenue growth (TTM) (9.38%) 7.14% 6.37%
EPS growth (last fiscal year) (61.34%) 23.74% 18.85%
Revenue growth, 5-year CAGR 3.83% 20.94% 12.65%
Net income growth, 5-year CAGR 0.00% 14.67% 9.81%

Health

Metric CBFV OPBK Banks Regional median
Debt to equity 0.21 0.42 0.17
Current ratio 0.85 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBFV OPBK Banks Regional median
Dividend yield 2.69% 3.65% 2.49%
Payout ratio 0.81 0.28 0.29

Size

Metric CBFV OPBK Banks Regional median
Market cap 207.57m 220.55m 934.85m

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