Capital Bancorp, Inc. (CBNK) vs Red River Bancshares, Inc. (RRBI)

Capital Bancorp, Inc. and Red River Bancshares, Inc. are both Banks Regional companies. Capital Bancorp, Inc. and Red River Bancshares, Inc. are of similar size ($695.6M and $687.9M). Capital Bancorp, Inc. trades at the lower P/E: 12.5× against 15.0×. Capital Bancorp, Inc. grew revenue faster over the last twelve months: 12.9% against 7.09%. Red River Bancshares, Inc. has the higher net margin (26.3% vs 17.5%) and the lower return on invested capital (18.9% vs 83.2%). Both pay a dividend; Capital Bancorp, Inc. yields more (1.17% vs 0.86%). Across the 19 metrics below, Capital Bancorp, Inc. leads on 16 and Red River Bancshares, Inc. on 3.

Valuation

Metric CBNK RRBI Banks Regional median
P/E 12.47 15.01 12.02
P/S 2.16 3.94 2.36
P/B 1.65 1.79 1.23
Price to free cash flow 10.68 13.28 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.02% 6.66% 8.21%
Free cash flow yield 9.36% 7.53% 9.23%

Profitability

Metric CBNK RRBI Banks Regional median
Gross margin 78.67% 75.26% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% 26.25% 18.82%
Free cash flow margin 20.21% 29.67% 17.97%
Return on equity 14.05% 12.77% 10.28%
Return on assets 1.55% 1.42% 1.13%
Return on invested capital 83.21% 18.89% 8.45%

Growth

Metric CBNK RRBI Banks Regional median
Revenue growth (TTM) 12.89% 7.09% 6.37%
EPS growth (last fiscal year) 61.61% 28.89% 18.85%
Revenue growth, 5-year CAGR 16.04% 11.06% 12.65%
Net income growth, 5-year CAGR 17.23% 8.73% 9.81%

Health

Metric CBNK RRBI Banks Regional median
Debt to equity 0.12 0.00 0.17
Current ratio 1.03 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNK RRBI Banks Regional median
Dividend yield 1.17% 0.86% 2.49%
Payout ratio 0.15 0.13 0.29

Size

Metric CBNK RRBI Banks Regional median
Market cap 695.60m 687.91m 934.85m

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