Capitol Federal Financial (CFFN) vs Metropolitan Bank Holding Corp. (MCB)

Capitol Federal Financial and Metropolitan Bank Holding Corp. are both Banks Regional companies. Capitol Federal Financial and Metropolitan Bank Holding Corp. are of similar size ($1.1B and $1.1B). Metropolitan Bank Holding Corp. trades at the lower P/E: 11.2× against 13.4×. Metropolitan Bank Holding Corp. grew revenue faster over the last twelve months: 10.5% against 7.53%. Capitol Federal Financial has the higher net margin (18.7% vs 15.6%) and the lower return on invested capital (2.54% vs 10.4%). Across the 19 metrics below, Metropolitan Bank Holding Corp. leads on 15 and Capitol Federal Financial on 4.

Valuation

Metric CFFN MCB Banks Regional median
P/E 13.35 11.20 12.15
P/S 2.43 2.00 2.37
P/B 1.05 1.15 1.21
Price to free cash flow 15.05 11.13 10.80
EV/EBITDA n/m n/m —
EV/Sales 5.81 1.59 2.27
Earnings yield 7.49% 8.93% 8.11%
Free cash flow yield 6.65% 8.98% 8.98%

Profitability

Metric CFFN MCB Banks Regional median
Gross margin 51.74% 62.89% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.67% 15.58% 18.66%
Free cash flow margin 16.14% 17.92% 21.18%
Return on equity 8.00% 10.24% 10.64%
Return on assets 0.85% 1.04% 1.13%
Return on invested capital 2.54% 10.37% 8.33%

Growth

Metric CFFN MCB Banks Regional median
Revenue growth (TTM) 7.53% 10.54% 6.61%
EPS growth (last fiscal year) 79.31% 11.64% —
Revenue growth, 5-year CAGR 5.30% 26.91% 12.30%
Net income growth, 5-year CAGR 1.03% 12.69% 9.71%

Health

Metric CFFN MCB Banks Regional median
Debt to equity 1.60 0.02 0.22
Current ratio 1.20 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFN MCB Banks Regional median
Dividend yield 5.74% — 3.75%
Payout ratio 0.79 0.00 0.27

Size

Metric CFFN MCB Banks Regional median
Market cap 1.09b 1.10b 921.07m

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