Capital Bancorp, Inc. (CBNK) vs Peoples Financial Services Corp. (PFIS)

Capital Bancorp, Inc. and Peoples Financial Services Corp. are both Banks Regional companies. Capital Bancorp, Inc. and Peoples Financial Services Corp. are of similar size ($681.2M and $642.3M). Capital Bancorp, Inc. trades at the lower P/E: 11.5× against 12.0×. Capital Bancorp, Inc. grew revenue faster over the last twelve months: 12.9% against 0.46%. Peoples Financial Services Corp. has the higher net margin (19.8% vs 17.5%) and the lower return on invested capital (8.38% vs 83.2%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.65% vs 1.26%). Across the 19 metrics below, Capital Bancorp, Inc. leads on 14 and Peoples Financial Services Corp. on 5.

Valuation

Metric CBNK PFIS Banks Regional median
P/E 11.55 12.03 11.98
P/S 2.00 2.38 2.34
P/B 1.53 1.28 1.19
Price to free cash flow 9.89 13.79 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.66% 8.31% 8.23%
Free cash flow yield 10.11% 7.25% 9.08%

Profitability

Metric CBNK PFIS Banks Regional median
Gross margin 78.67% 68.05% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 19.78% 18.66%
Free cash flow margin 20.21% 17.28% 21.11%
Return on equity 14.05% 11.02% 10.65%
Return on assets 1.55% 1.08% 1.13%
Return on invested capital 83.21% 8.38% 8.35%

Growth

Metric CBNK PFIS Banks Regional median
Revenue growth (TTM) 12.89% 0.46% 6.98%
EPS growth (last fiscal year) 61.61% 493.94% 18.88%
Revenue growth, 5-year CAGR 16.04% 20.50% 12.38%
Net income growth, 5-year CAGR 17.23% 15.06% 9.71%

Health

Metric CBNK PFIS Banks Regional median
Debt to equity 0.12 0.46 0.22
Current ratio 1.03 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNK PFIS Banks Regional median
Dividend yield 1.26% 3.65% 2.57%
Payout ratio 0.15 0.44 0.30

Size

Metric CBNK PFIS Banks Regional median
Market cap 642.33m 681.20m 913.33m

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