CF Bankshares Inc. (CFBK) vs Peoples Bancorp of North Carolina, Inc. (PEBK)

CF Bankshares Inc. and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. CF Bankshares Inc. and Peoples Bancorp of North Carolina, Inc. are of similar size ($237.6M and $221.5M). Peoples Bancorp of North Carolina, Inc. trades at the lower P/E: 11.5× against 11.8×. Peoples Bancorp of North Carolina, Inc. grew revenue faster over the last twelve months: 5.26% against −0.37%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (17.3% vs 14.8%) and the lower return on invested capital (14.0% vs 25.6%). Both pay a dividend; Peoples Bancorp of North Carolina, Inc. yields more (2.94% vs 1.11%). Across the 20 metrics below, Peoples Bancorp of North Carolina, Inc. leads on 14 and CF Bankshares Inc. on 6.

Valuation

Metric CFBK PEBK Banks Regional median
P/E 11.82 11.50 12.15
P/S 1.75 1.99 2.37
P/B 1.12 1.43 1.21
Price to free cash flow 12.21 11.47 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.63 1.60 2.27
Earnings yield 8.46% 8.70% 8.11%
Free cash flow yield 8.19% 8.72% 8.98%

Profitability

Metric CFBK PEBK Banks Regional median
Gross margin 50.12% 79.44% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.75% 17.25% 18.66%
Free cash flow margin 14.30% 17.33% 21.18%
Return on equity 9.92% 13.07% 10.64%
Return on assets 0.86% 1.15% 1.13%
Return on invested capital 25.60% 13.98% 8.33%

Growth

Metric CFBK PEBK Banks Regional median
Revenue growth (TTM) (0.37%) 5.26% 6.61%
EPS growth (last fiscal year) 30.58% 21.48% —
Revenue growth, 5-year CAGR 4.23% 10.09% 12.30%
Net income growth, 5-year CAGR (9.06%) 11.79% 9.71%

Health

Metric CFBK PEBK Banks Regional median
Debt to equity 0.59 0.10 0.22
Current ratio 1.14 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFBK PEBK Banks Regional median
Dividend yield 1.11% 2.94% 3.75%
Payout ratio 0.08 0.24 0.27

Size

Metric CFBK PEBK Banks Regional median
Market cap 221.45m 237.63m 921.07m

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