Capital Bancorp, Inc. (CBNK) vs Hingham Institution for Savings (HIFS)

Capital Bancorp, Inc. and Hingham Institution for Savings are both Banks Regional companies. Capital Bancorp, Inc. and Hingham Institution for Savings are of similar size ($642.3M and $640.9M). Hingham Institution for Savings trades at the lower P/E: 9.7× against 11.5×. Hingham Institution for Savings grew revenue faster over the last twelve months: 13.0% against 12.9%. Hingham Institution for Savings has the higher net margin (27.0% vs 17.5%) and the lower return on invested capital (2.88% vs 83.2%). Both pay a dividend; Capital Bancorp, Inc. yields more (1.26% vs 0.86%). Across the 19 metrics below, Capital Bancorp, Inc. leads on 12 and Hingham Institution for Savings on 7.

Valuation

Metric CBNK HIFS Banks Regional median
P/E 11.55 9.67 11.98
P/S 2.00 2.62 2.34
P/B 1.53 1.27 1.19
Price to free cash flow 9.89 18.16 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.66% 10.34% 8.23%
Free cash flow yield 10.11% 5.51% 9.08%

Profitability

Metric CBNK HIFS Banks Regional median
Gross margin 78.67% 49.39% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 26.99% 18.66%
Free cash flow margin 20.21% 14.43% 21.11%
Return on equity 14.05% 13.91% 10.65%
Return on assets 1.55% 1.46% 1.13%
Return on invested capital 83.21% 2.88% 8.35%

Growth

Metric CBNK HIFS Banks Regional median
Revenue growth (TTM) 12.89% 13.03% 6.98%
EPS growth (last fiscal year) 61.61% 92.68% 18.88%
Revenue growth, 5-year CAGR 16.04% 15.43% 12.38%
Net income growth, 5-year CAGR 17.23% 1.45% 9.71%

Health

Metric CBNK HIFS Banks Regional median
Debt to equity 0.12 2.77 0.22
Current ratio 1.03 1.50 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNK HIFS Banks Regional median
Dividend yield 1.26% 0.86% 2.57%
Payout ratio 0.15 0.08 0.30

Size

Metric CBNK HIFS Banks Regional median
Market cap 642.33m 640.88m 913.33m

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