Community Bancorp. (CMTV) vs FB Bancorp, Inc. (FBLA)

Community Bancorp. and FB Bancorp, Inc. are both Banks Regional companies. Community Bancorp. and FB Bancorp, Inc. are of similar size ($268.4M and $248.3M). FB Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Community Bancorp. trades at 14.3×. Community Bancorp. grew revenue faster over the last twelve months: 9.39% against −6.79%. Community Bancorp. has the higher net margin (25.6% vs −0.39%) and the higher return on invested capital (12.9% vs 0.53%). Across the 15 metrics below, FB Bancorp, Inc. leads on 8 and Community Bancorp. on 7.

Valuation

Metric CMTV FBLA Banks Regional median
P/E 14.25 n/m 11.87
P/S 3.65 3.48 2.35
P/B 2.17 0.88 1.23
Price to free cash flow 13.03 6.52 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.02% (0.06%) 8.34%
Free cash flow yield 7.67% 15.35% 9.37%

Profitability

Metric CMTV FBLA Banks Regional median
Gross margin 72.41% 74.02% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.64% (0.39%) 18.99%
Free cash flow margin 27.99% 33.10% 18.19%
Return on equity 16.34% (0.09%) 10.45%
Return on assets 1.58% (0.02%) 1.15%
Return on invested capital 12.86% 0.53% 8.54%

Growth

Metric CMTV FBLA Banks Regional median
Revenue growth (TTM) 9.39% (6.79%) 6.56%
EPS growth (last fiscal year) 32.02% 104.02% 18.85%
Revenue growth, 5-year CAGR 11.55% — 12.65%
Net income growth, 5-year CAGR 9.54% — 9.81%

Health

Metric CMTV FBLA Banks Regional median
Debt to equity 0.11 0.39 0.14
Current ratio 0.95 0.97 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CMTV FBLA Banks Regional median
Dividend yield 2.69% — 2.51%
Payout ratio 0.38 — 0.30

Size

Metric CMTV FBLA Banks Regional median
Market cap 248.30m 268.41m 915.17m

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