CNB Financial Corporation (CCNE) vs Five Star Bancorp (FSBC)

CNB Financial Corporation and Five Star Bancorp are both Banks Regional companies. CNB Financial Corporation and Five Star Bancorp are of similar size ($1.1B and $1.0B). CNB Financial Corporation trades at the lower P/E: 11.0× against 12.9×. CNB Financial Corporation grew revenue faster over the last twelve months: 32.6% against 18.6%. Five Star Bancorp has the higher net margin (25.9% vs 18.4%) and the lower return on invested capital (0.00% vs 16.2%). Both pay a dividend; CNB Financial Corporation yields more (3.44% vs 3.44%). Across the 19 metrics below, CNB Financial Corporation leads on 11 and Five Star Bancorp on 8.

Valuation

Metric CCNE FSBC Banks Regional median
P/E 10.98 12.94 12.15
P/S 2.02 3.35 2.37
P/B 1.18 1.96 1.21
Price to free cash flow 11.08 11.56 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.21 1.32 2.27
Earnings yield 9.11% 7.73% 8.11%
Free cash flow yield 9.03% 8.65% 8.98%

Profitability

Metric CCNE FSBC Banks Regional median
Gross margin 67.57% 64.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.40% 25.92% 18.66%
Free cash flow margin 18.25% 28.97% 21.18%
Return on equity 12.75% 16.17% 10.64%
Return on assets 1.24% 1.47% 1.13%
Return on invested capital 16.17% 0.00% 8.33%

Growth

Metric CCNE FSBC Banks Regional median
Revenue growth (TTM) 32.62% 18.58% 6.61%
EPS growth (last fiscal year) 4.18% 28.32% —
Revenue growth, 5-year CAGR 17.24% 25.01% 12.30%
Net income growth, 5-year CAGR 14.27% 11.39% 9.71%

Health

Metric CCNE FSBC Banks Regional median
Debt to equity 0.06 0.00 0.22
Current ratio 0.96 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCNE FSBC Banks Regional median
Dividend yield 3.44% 3.44% 3.75%
Payout ratio 0.24 0.22 0.27

Size

Metric CCNE FSBC Banks Regional median
Market cap 1.00b 1.07b 921.07m

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