Capitol Federal Financial (CFFN) vs MetroCity Bankshares, Inc. (MCBS)

Capitol Federal Financial and MetroCity Bankshares, Inc. are both Banks Regional companies. Capitol Federal Financial and MetroCity Bankshares, Inc. are of similar size ($1.0B and $1.0B). MetroCity Bankshares, Inc. trades at the lower P/E: 12.0× against 12.6×. MetroCity Bankshares, Inc. grew revenue faster over the last twelve months: 19.3% against 7.53%. MetroCity Bankshares, Inc. has the higher net margin (28.3% vs 18.7%) and the higher return on invested capital (10.5% vs 2.54%). Both pay a dividend; Capitol Federal Financial yields more (4.16% vs 3.07%). Across the 19 metrics below, MetroCity Bankshares, Inc. leads on 15 and Capitol Federal Financial on 4.

Valuation

Metric CFFN MCBS Banks Regional median
P/E 12.57 12.03 11.98
P/S 2.29 3.58 2.34
P/B 0.99 1.78 1.19
Price to free cash flow 14.16 12.36 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.96% 8.31% 8.23%
Free cash flow yield 7.06% 8.09% 9.08%

Profitability

Metric CFFN MCBS Banks Regional median
Gross margin 51.74% 64.72% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.67% 28.34% 18.66%
Free cash flow margin 16.14% 28.95% 21.11%
Return on equity 8.00% 15.91% 10.65%
Return on assets 0.85% 1.96% 1.13%
Return on invested capital 2.54% 10.53% 8.35%

Growth

Metric CFFN MCBS Banks Regional median
Revenue growth (TTM) 7.53% 19.32% 6.98%
EPS growth (last fiscal year) 79.31% 4.76% 18.88%
Revenue growth, 5-year CAGR 5.30% 18.60% 12.38%
Net income growth, 5-year CAGR 1.03% 13.49% 9.71%

Health

Metric CFFN MCBS Banks Regional median
Debt to equity 1.60 0.66 0.22
Current ratio 1.20 1.21 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFN MCBS Banks Regional median
Dividend yield 4.16% 3.07% 2.57%
Payout ratio 0.52 0.38 0.30

Size

Metric CFFN MCBS Banks Regional median
Market cap 1.04b 1.00b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack