CPB Inc. (CPF) vs Equity Bancshares, Inc. (EQBK)

CPB Inc. and Equity Bancshares, Inc. are both Banks Regional companies. CPB Inc. and Equity Bancshares, Inc. are of similar size ($1.0B and $977.8M). CPB Inc. trades at the lower P/E: 11.5× against 28.8×. Equity Bancshares, Inc. grew revenue faster over the last twelve months: 13.3% against 4.12%. CPB Inc. has the higher net margin (23.7% vs 9.42%) and the higher return on invested capital (23.5% vs 4.80%). Both pay a dividend; CPB Inc. yields more (3.01% vs 1.55%). Across the 19 metrics below, CPB Inc. leads on 14 and Equity Bancshares, Inc. on 5.

Valuation

Metric CPF EQBK Banks Regional median
P/E 11.52 28.76 12.02
P/S 2.68 2.65 2.36
P/B 1.70 1.22 1.23
Price to free cash flow 9.44 23.29 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 3.48% 8.21%
Free cash flow yield 10.59% 4.29% 9.23%

Profitability

Metric CPF EQBK Banks Regional median
Gross margin 82.46% 67.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.69% 9.42% 18.82%
Free cash flow margin 28.43% 11.38% 17.97%
Return on equity 14.91% 4.90% 10.28%
Return on assets 1.17% 0.55% 1.13%
Return on invested capital 23.48% 4.80% 8.45%

Growth

Metric CPF EQBK Banks Regional median
Revenue growth (TTM) 4.12% 13.26% 6.37%
EPS growth (last fiscal year) 45.18% (69.25%) 18.85%
Revenue growth, 5-year CAGR 7.27% 11.63% 12.65%
Net income growth, 5-year CAGR 15.76% 0.00% 9.81%

Health

Metric CPF EQBK Banks Regional median
Debt to equity 0.13 0.58 0.17
Current ratio 0.85 0.93 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPF EQBK Banks Regional median
Dividend yield 3.01% 1.55% 2.49%
Payout ratio 0.35 0.46 0.29

Size

Metric CPF EQBK Banks Regional median
Market cap 977.80m 1.01b 934.85m

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