Commercial Bancgroup, Inc. (CBK) vs Grupo Supervielle S.A. (SUPV)

Commercial Bancgroup, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Commercial Bancgroup, Inc. and Grupo Supervielle S.A. are of similar size ($447.5M and $433.5M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Commercial Bancgroup, Inc. trades at 11.0×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against −0.59%. Commercial Bancgroup, Inc. has the higher net margin (31.0% vs −3.62%) and the higher return on invested capital (16.0% vs 0.00%). Across the 15 metrics below, Commercial Bancgroup, Inc. leads on 10 and Grupo Supervielle S.A. on 5.

Valuation

Metric CBK SUPV Banks Regional median
P/E 11.02 n/m 12.02
P/S 3.40 0.30 2.36
P/B 1.44 0.60 1.23
Price to free cash flow 11.52 19.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.07% (11.05%) 8.21%
Free cash flow yield 8.68% 5.11% 9.23%

Profitability

Metric CBK SUPV Banks Regional median
Gross margin 72.86% 54.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.97% (3.62%) 18.82%
Free cash flow margin 0.00% 1.51% 17.97%
Return on equity 14.65% (7.34%) 10.28%
Return on assets 1.75% (1.06%) 1.13%
Return on invested capital 16.03% 0.00% 8.45%

Growth

Metric CBK SUPV Banks Regional median
Revenue growth (TTM) (0.59%) 10.24% 6.37%
EPS growth (last fiscal year) 13.97% (134.42%) 18.85%
Revenue growth, 5-year CAGR — 8.30% 12.65%
Net income growth, 5-year CAGR — 0.00% 9.81%

Health

Metric CBK SUPV Banks Regional median
Debt to equity 0.22 0.09 0.17
Current ratio 1.06 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBK SUPV Banks Regional median
Dividend yield — — 2.49%
Payout ratio — — 0.29

Size

Metric CBK SUPV Banks Regional median
Market cap 447.50m 433.52m 934.85m

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