Central Plains Bancshares, Inc. (CPBI) vs First Seacoast Bancorp Inc. (FSEA)

Central Plains Bancshares, Inc. and First Seacoast Bancorp Inc. are both Banks Regional companies. Central Plains Bancshares, Inc. and First Seacoast Bancorp Inc. are of similar size ($83.9M and $80.8M). First Seacoast Bancorp Inc. has negative trailing earnings, so its P/E is not meaningful; Central Plains Bancshares, Inc. trades at 16.6×. Central Plains Bancshares, Inc. grew revenue faster over the last twelve months: 12.1% against 2.81%. Central Plains Bancshares, Inc. has the higher net margin (14.3% vs 0.15%) and the higher return on invested capital (6.28% vs −0.32%). Across the 15 metrics below, Central Plains Bancshares, Inc. leads on 15 and First Seacoast Bancorp Inc. on 0.

Valuation

Metric CPBI FSEA Banks Regional median
P/E 16.64 n/m 12.15
P/S 2.39 2.59 2.37
P/B 0.83 1.16 1.21
Price to free cash flow 11.78 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.56 3.97 2.27
Earnings yield 6.01% (0.12%) 8.11%
Free cash flow yield 8.49% (0.08%) 8.98%

Profitability

Metric CPBI FSEA Banks Regional median
Gross margin 70.23% 56.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.33% 0.15% 18.66%
Free cash flow margin 20.28% (0.21%) 21.18%
Return on equity 5.15% 0.07% 10.64%
Return on assets 0.85% 0.01% 1.13%
Return on invested capital 6.28% (0.32%) 8.33%

Growth

Metric CPBI FSEA Banks Regional median
Revenue growth (TTM) 12.14% 2.81% 6.61%
EPS growth (last fiscal year) 9.38% (91.67%) —
Revenue growth, 5-year CAGR — 9.94% 12.30%
Net income growth, 5-year CAGR — 0.00% 9.71%

Health

Metric CPBI FSEA Banks Regional median
Debt to equity 0.00 0.70 0.22
Current ratio 1.02 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPBI FSEA Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric CPBI FSEA Banks Regional median
Market cap 83.86m 80.82m 921.07m

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