CoastalSouth Bancshares, Inc. (COSO) vs John Marshall Bancorp, Inc. (JMSB)

CoastalSouth Bancshares, Inc. and John Marshall Bancorp, Inc. are both Banks Regional companies. CoastalSouth Bancshares, Inc. and John Marshall Bancorp, Inc. are of similar size ($323.9M and $317.6M). CoastalSouth Bancshares, Inc. trades at the lower P/E: 11.5× against 13.3×. John Marshall Bancorp, Inc. has the higher net margin (20.3% vs 19.6%) and the higher return on invested capital (8.35% vs 6.97%). Across the 16 metrics below, CoastalSouth Bancshares, Inc. leads on 11 and John Marshall Bancorp, Inc. on 5.

Valuation

Metric COSO JMSB Banks Regional median
P/E 11.52 13.35 12.15
P/S 2.27 2.71 2.37
P/B 1.18 1.18 1.21
Price to free cash flow 4.76 15.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.56 2.39 2.27
Earnings yield 8.68% 7.49% 8.11%
Free cash flow yield 21.01% 6.66% 8.98%

Profitability

Metric COSO JMSB Banks Regional median
Gross margin 62.61% 56.94% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.59% 20.33% 18.66%
Free cash flow margin 47.72% 18.03% 21.18%
Return on equity 11.50% 9.23% 10.64%
Return on assets 1.19% 1.04% 1.13%
Return on invested capital 6.97% 8.35% 8.33%

Growth

Metric COSO JMSB Banks Regional median
Revenue growth (TTM) — 5.51% 6.61%
EPS growth (last fiscal year) 3.26% 24.17% —
Revenue growth, 5-year CAGR — 14.61% 12.30%
Net income growth, 5-year CAGR — 2.77% 9.71%

Health

Metric COSO JMSB Banks Regional median
Debt to equity 0.28 0.44 0.22
Current ratio 0.95 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric COSO JMSB Banks Regional median
Dividend yield — 1.29% 3.75%
Payout ratio — — 0.27

Size

Metric COSO JMSB Banks Regional median
Market cap 317.63m 323.87m 921.07m

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