Capitol Federal Financial (CFFN) vs Eagle Bancorp, Inc. (EGBN)

Capitol Federal Financial and Eagle Bancorp, Inc. are both Banks Regional companies. Capitol Federal Financial and Eagle Bancorp, Inc. are of similar size ($1.1B and $1.0B). Capitol Federal Financial trades at the lower P/E: 13.1× against 23.6×. Capitol Federal Financial grew revenue faster over the last twelve months: 7.53% against −11.0%. Capitol Federal Financial has the higher net margin (18.7% vs 7.56%) and the lower return on invested capital (2.54% vs 3.57%). Both pay a dividend; Capitol Federal Financial yields more (4.99% vs 0.12%). Across the 19 metrics below, Capitol Federal Financial leads on 13 and Eagle Bancorp, Inc. on 6.

Valuation

Metric CFFN EGBN Banks Regional median
P/E 13.09 23.59 12.02
P/S 2.38 1.78 2.36
P/B 1.03 0.88 1.23
Price to free cash flow 14.75 19.39 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.64% 4.24% 8.21%
Free cash flow yield 6.78% 5.16% 9.23%

Profitability

Metric CFFN EGBN Banks Regional median
Gross margin 51.74% 52.39% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.67% 7.56% 18.82%
Free cash flow margin 16.14% 0.00% 17.97%
Return on equity 8.00% 3.81% 10.28%
Return on assets 0.85% 0.43% 1.13%
Return on invested capital 2.54% 3.57% 8.45%

Growth

Metric CFFN EGBN Banks Regional median
Revenue growth (TTM) 7.53% (10.96%) 6.37%
EPS growth (last fiscal year) 79.31% (191.67%) 18.85%
Revenue growth, 5-year CAGR 5.30% 7.78% 12.65%
Net income growth, 5-year CAGR 1.03% 0.00% 9.81%

Health

Metric CFFN EGBN Banks Regional median
Debt to equity 1.60 0.07 0.17
Current ratio 1.20 0.87 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFN EGBN Banks Regional median
Dividend yield 4.99% 0.12% 2.49%
Payout ratio 0.65 0.03 0.29

Size

Metric CFFN EGBN Banks Regional median
Market cap 1.07b 1.02b 934.85m

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