Capital Bancorp, Inc. (CBNK) vs Grupo Supervielle S.A. (SUPV)

Capital Bancorp, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Capital Bancorp, Inc. and Grupo Supervielle S.A. are of similar size ($586.1M and $568.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Capital Bancorp, Inc. trades at 10.5×. Capital Bancorp, Inc. grew revenue faster over the last twelve months: 12.9% against 10.2%. Capital Bancorp, Inc. has the higher net margin (17.5% vs −3.62%) and the higher return on invested capital (83.2% vs 0.00%). Across the 18 metrics below, Capital Bancorp, Inc. leads on 14 and Grupo Supervielle S.A. on 4.

Valuation

Metric CBNK SUPV Banks Regional median
P/E 10.51 n/m 12.15
P/S 1.82 0.38 2.37
P/B 1.39 0.77 1.21
Price to free cash flow 9.00 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.68 (0.16) 2.27
Earnings yield 9.51% (8.70%) 8.11%
Free cash flow yield 11.11% 4.03% 8.98%

Profitability

Metric CBNK SUPV Banks Regional median
Gross margin 78.67% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.47% (3.62%) 18.66%
Free cash flow margin 20.21% 1.51% 21.18%
Return on equity 14.05% (7.34%) 10.64%
Return on assets 1.55% (1.06%) 1.13%
Return on invested capital 83.21% 0.00% 8.33%

Growth

Metric CBNK SUPV Banks Regional median
Revenue growth (TTM) 12.89% 10.24% 6.61%
EPS growth (last fiscal year) 61.61% (128.85%) —
Revenue growth, 5-year CAGR 16.04% 8.30% 12.30%
Net income growth, 5-year CAGR 17.23% 0.00% 9.71%

Health

Metric CBNK SUPV Banks Regional median
Debt to equity 0.12 0.09 0.22
Current ratio 1.03 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBNK SUPV Banks Regional median
Dividend yield 1.59% — 3.75%
Payout ratio 0.09 0.00 0.27

Size

Metric CBNK SUPV Banks Regional median
Market cap 586.13m 568.38m 921.07m

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