Capitol Federal Financial (CFFN) vs Five Star Bancorp (FSBC)

Capitol Federal Financial and Five Star Bancorp are both Banks Regional companies. Capitol Federal Financial and Five Star Bancorp are of similar size ($1.1B and $1.1B). Five Star Bancorp trades at the lower P/E: 12.9× against 13.4×. Five Star Bancorp grew revenue faster over the last twelve months: 18.6% against 7.53%. Five Star Bancorp has the higher net margin (25.9% vs 18.7%) and the lower return on invested capital (0.00% vs 2.54%). Both pay a dividend; Capitol Federal Financial yields more (5.74% vs 3.44%). Across the 20 metrics below, Five Star Bancorp leads on 14 and Capitol Federal Financial on 6.

Valuation

Metric CFFN FSBC Banks Regional median
P/E 13.35 12.94 12.15
P/S 2.43 3.35 2.37
P/B 1.05 1.96 1.21
Price to free cash flow 15.05 11.56 10.80
EV/EBITDA n/m n/m —
EV/Sales 5.81 1.32 2.27
Earnings yield 7.49% 7.73% 8.11%
Free cash flow yield 6.65% 8.65% 8.98%

Profitability

Metric CFFN FSBC Banks Regional median
Gross margin 51.74% 64.01% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.67% 25.92% 18.66%
Free cash flow margin 16.14% 28.97% 21.18%
Return on equity 8.00% 16.17% 10.64%
Return on assets 0.85% 1.47% 1.13%
Return on invested capital 2.54% 0.00% 8.33%

Growth

Metric CFFN FSBC Banks Regional median
Revenue growth (TTM) 7.53% 18.58% 6.61%
EPS growth (last fiscal year) 79.31% 28.32% —
Revenue growth, 5-year CAGR 5.30% 25.01% 12.30%
Net income growth, 5-year CAGR 1.03% 11.39% 9.71%

Health

Metric CFFN FSBC Banks Regional median
Debt to equity 1.60 0.00 0.22
Current ratio 1.20 1.06 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFN FSBC Banks Regional median
Dividend yield 5.74% 3.44% 3.75%
Payout ratio 0.79 0.22 0.27

Size

Metric CFFN FSBC Banks Regional median
Market cap 1.09b 1.07b 921.07m

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