Commercial Bancgroup, Inc. (CBK) vs RBB Bancorp (RBB)

Commercial Bancgroup, Inc. and RBB Bancorp are both Banks Regional companies. Commercial Bancgroup, Inc. and RBB Bancorp are of similar size ($447.4M and $435.8M). RBB Bancorp trades at the lower P/E: 10.8× against 10.9×. Commercial Bancgroup, Inc. has the higher net margin (30.3% vs 17.3%) and the higher return on invested capital (14.9% vs 6.37%). Across the 16 metrics below, RBB Bancorp leads on 9 and Commercial Bancgroup, Inc. on 7.

Valuation

Metric CBK RBB Banks Regional median
P/E 10.92 10.85 12.15
P/S 3.38 1.87 2.37
P/B 1.45 0.84 1.21
Price to free cash flow 11.32 8.30 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.63 1.92 2.27
Earnings yield 9.16% 9.22% 8.11%
Free cash flow yield 8.84% 12.05% 8.98%

Profitability

Metric CBK RBB Banks Regional median
Gross margin 71.89% 54.87% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.25% 17.26% 18.66%
Free cash flow margin 29.86% 23.01% 21.18%
Return on equity 15.05% 7.93% 10.64%
Return on assets 3.31% 1.00% 1.13%
Return on invested capital 14.93% 6.37% 8.33%

Growth

Metric CBK RBB Banks Regional median
Revenue growth (TTM) — 3.04% 6.61%
EPS growth (last fiscal year) 13.97% 24.49% —
Revenue growth, 5-year CAGR — 9.22% 12.30%
Net income growth, 5-year CAGR — (0.60%) 9.71%

Health

Metric CBK RBB Banks Regional median
Debt to equity 0.24 0.55 0.22
Current ratio 1.06 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBK RBB Banks Regional median
Dividend yield — 3.72% 3.75%
Payout ratio — 0.20 0.27

Size

Metric CBK RBB Banks Regional median
Market cap 435.84m 447.43m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack