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Screener Weekly Summary Pricing

ECB Bancorp, Inc. (ECBK) vs FinWise Bancorp (FINW)

ECB Bancorp, Inc. and FinWise Bancorp are both Banks Regional companies. ECB Bancorp, Inc. is the larger, with a market value of $180.9M against $156.6M — 1.2× the size. FinWise Bancorp trades at the lower P/E: 11.1× against 14.6×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 18.6%. ECB Bancorp, Inc. has the higher net margin (13.2% vs 6.53%) and the lower return on invested capital (2.96% vs 11.0%). Across the 19 metrics below, FinWise Bancorp leads on 11 and ECB Bancorp, Inc. on 8.

Valuation

Metric ECBK FINW Banks Regional median
P/E 14.58 11.10 12.15
P/S 1.91 0.73 2.37
P/B 0.92 0.75 1.21
Price to free cash flow 7.40 28.77 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.61 0.27 2.27
Earnings yield 6.86% 9.01% 8.11%
Free cash flow yield 13.52% 3.48% 8.98%

Profitability

Metric ECBK FINW Banks Regional median
Gross margin 44.84% 89.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.19% 6.53% 18.66%
Free cash flow margin 25.88% 2.55% 21.18%
Return on equity 6.56% 6.94% 10.64%
Return on assets 0.72% 1.50% 1.13%
Return on invested capital 2.96% 10.95% 8.33%

Growth

Metric ECBK FINW Banks Regional median
Revenue growth (TTM) 18.64% 90.17% 6.61%
EPS growth (last fiscal year) 95.83% 21.51% —
Revenue growth, 5-year CAGR 35.93% 28.03% 12.30%
Net income growth, 5-year CAGR 9.84% 8.23% 9.71%

Health

Metric ECBK FINW Banks Regional median
Debt to equity 1.58 0.00 0.22
Current ratio 1.29 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ECBK FINW Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric ECBK FINW Banks Regional median
Market cap 180.87m 156.60m 921.07m

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