Chain Bridge Bancorp, Inc. (CBNA) vs CoastalSouth Bancshares, Inc. (COSO)

Chain Bridge Bancorp, Inc. and CoastalSouth Bancshares, Inc. are both Banks Regional companies. Chain Bridge Bancorp, Inc. and CoastalSouth Bancshares, Inc. are of similar size ($317.6M and $311.3M). CoastalSouth Bancshares, Inc. trades at the lower P/E: 11.5× against 11.8×. Chain Bridge Bancorp, Inc. has the higher net margin (38.6% vs 19.6%) and the lower return on invested capital (0.00% vs 6.97%). Across the 16 metrics below, CoastalSouth Bancshares, Inc. leads on 10 and Chain Bridge Bancorp, Inc. on 6.

Valuation

Metric CBNA COSO Banks Regional median
P/E 11.76 11.52 12.15
P/S 4.55 2.27 2.37
P/B 1.71 1.18 1.21
Price to free cash flow 18.78 4.76 10.80
EV/EBITDA n/m n/m —
EV/Sales (7.38) 2.56 2.27
Earnings yield 8.50% 8.68% 8.11%
Free cash flow yield 5.32% 21.01% 8.98%

Profitability

Metric CBNA COSO Banks Regional median
Gross margin 94.59% 62.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 38.64% 19.59% 18.66%
Free cash flow margin 24.21% 47.72% 21.18%
Return on equity 15.64% 11.50% 10.64%
Return on assets 1.46% 1.19% 1.13%
Return on invested capital 0.00% 6.97% 8.33%

Growth

Metric CBNA COSO Banks Regional median
Revenue growth (TTM) 14.44% — 6.61%
EPS growth (last fiscal year) (26.14%) 3.26% —
Revenue growth, 5-year CAGR — — 12.30%
Net income growth, 5-year CAGR — — 9.71%

Health

Metric CBNA COSO Banks Regional median
Debt to equity 0.00 0.28 0.22
Current ratio 0.55 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNA COSO Banks Regional median
Dividend yield — — 3.75%
Payout ratio — — 0.27

Size

Metric CBNA COSO Banks Regional median
Market cap 311.33m 317.63m 921.07m

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