Coastal Financial Corporation (CCB) vs Hingham Institution for Savings (HIFS)

Coastal Financial Corporation and Hingham Institution for Savings are both Banks Regional companies. Coastal Financial Corporation and Hingham Institution for Savings are of similar size ($669.7M and $648.0M). Coastal Financial Corporation has negative trailing earnings, so its P/E is not meaningful; Hingham Institution for Savings trades at 11.9×. Hingham Institution for Savings grew revenue faster over the last twelve months: 8.32% against 7.06%. Hingham Institution for Savings has the higher net margin (23.6% vs −0.53%) and the higher return on invested capital (2.41% vs 0.00%). Across the 18 metrics below, Coastal Financial Corporation leads on 9 and Hingham Institution for Savings on 9.

Valuation

Metric CCB HIFS Banks Regional median
P/E n/m 11.90 12.15
P/S 0.94 2.82 2.37
P/B 1.47 1.29 1.21
Price to free cash flow 2.63 19.66 10.80
EV/EBITDA n/m n/m —
EV/Sales (0.38) 8.83 2.27
Earnings yield (0.51%) 8.40% 8.11%
Free cash flow yield 38.01% 5.09% 8.98%

Profitability

Metric CCB HIFS Banks Regional median
Gross margin 83.89% 46.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.53%) 23.61% 18.66%
Free cash flow margin 35.70% 14.35% 21.18%
Return on equity (0.83%) 11.54% 10.64%
Return on assets (0.08%) 1.21% 1.13%
Return on invested capital 0.00% 2.41% 8.33%

Growth

Metric CCB HIFS Banks Regional median
Revenue growth (TTM) 7.06% 8.32% 6.61%
EPS growth (last fiscal year) (4.31%) 6.91% —
Revenue growth, 5-year CAGR 56.15% 13.43% 12.30%
Net income growth, 5-year CAGR 25.41% (6.25%) 9.71%

Health

Metric CCB HIFS Banks Regional median
Debt to equity 0.10 2.77 0.22
Current ratio 1.06 1.50 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCB HIFS Banks Regional median
Dividend yield — 1.56% 3.75%
Payout ratio 0.00 0.14 0.27

Size

Metric CCB HIFS Banks Regional median
Market cap 669.67m 647.95m 921.07m

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