Commercial Bancgroup, Inc. (CBK) vs Home Bancorp, Inc. (HBCP)

Commercial Bancgroup, Inc. and Home Bancorp, Inc. are both Banks Regional companies. Commercial Bancgroup, Inc. and Home Bancorp, Inc. are of similar size ($478.0M and $447.5M). Home Bancorp, Inc. trades at the lower P/E: 10.6× against 11.0×. Home Bancorp, Inc. grew revenue faster over the last twelve months: 1.60% against −0.59%. Commercial Bancgroup, Inc. has the higher net margin (31.0% vs 21.1%) and the higher return on invested capital (16.0% vs 12.8%). Across the 16 metrics below, Home Bancorp, Inc. leads on 11 and Commercial Bancgroup, Inc. on 5.

Valuation

Metric CBK HBCP Banks Regional median
P/E 11.02 10.58 12.02
P/S 3.40 2.24 2.36
P/B 1.44 1.05 1.23
Price to free cash flow 11.52 8.72 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.07% 9.45% 8.21%
Free cash flow yield 8.68% 11.46% 9.23%

Profitability

Metric CBK HBCP Banks Regional median
Gross margin 72.86% 73.89% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.97% 21.05% 18.82%
Free cash flow margin 0.00% 30.30% 17.97%
Return on equity 14.65% 10.15% 10.28%
Return on assets 1.75% 1.25% 1.13%
Return on invested capital 16.03% 12.79% 8.45%

Growth

Metric CBK HBCP Banks Regional median
Revenue growth (TTM) (0.59%) 1.60% 6.37%
EPS growth (last fiscal year) 13.97% 28.73% 18.85%
Revenue growth, 5-year CAGR — 12.05% 12.65%
Net income growth, 5-year CAGR — 13.21% 9.81%

Health

Metric CBK HBCP Banks Regional median
Debt to equity 0.22 0.00 0.17
Current ratio 1.06 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBK HBCP Banks Regional median
Dividend yield — 2.07% 2.49%
Payout ratio — 0.22 0.29

Size

Metric CBK HBCP Banks Regional median
Market cap 447.50m 478.01m 934.85m

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