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

ECB Bancorp, Inc. and FinWise Bancorp are both Banks Regional companies. ECB Bancorp, Inc. and FinWise Bancorp are of similar size ($188.3M and $187.9M). FinWise Bancorp trades at the lower P/E: 13.5× against 13.6×. FinWise Bancorp grew revenue faster over the last twelve months: 90.2% against 17.0%. ECB Bancorp, Inc. has the higher net margin (13.9% vs 6.53%) and the lower return on invested capital (2.25% vs 11.0%). Across the 18 metrics below, ECB Bancorp, Inc. leads on 9 and FinWise Bancorp on 9.

Valuation

Metric ECBK FINW Banks Regional median
P/E 13.65 13.55 11.87
P/S 1.88 0.90 2.35
P/B 0.91 0.91 1.23
Price to free cash flow 7.68 35.12 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.33% 7.38% 8.34%
Free cash flow yield 13.02% 2.85% 9.37%

Profitability

Metric ECBK FINW Banks Regional median
Gross margin 46.08% 89.27% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.87% 6.53% 18.99%
Free cash flow margin 24.52% 2.55% 18.19%
Return on equity 6.99% 6.94% 10.45%
Return on assets 0.76% 1.50% 1.15%
Return on invested capital 2.25% 10.95% 8.54%

Growth

Metric ECBK FINW Banks Regional median
Revenue growth (TTM) 17.00% 90.17% 6.56%
EPS growth (last fiscal year) 95.83% 21.51% 18.85%
Revenue growth, 5-year CAGR 35.93% 28.03% 12.65%
Net income growth, 5-year CAGR 9.84% 8.23% 9.81%

Health

Metric ECBK FINW Banks Regional median
Debt to equity 1.53 0.00 0.14
Current ratio 0.00 0.88 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ECBK FINW Banks Regional median
Dividend yield — — 2.51%
Payout ratio — — 0.30

Size

Metric ECBK FINW Banks Regional median
Market cap 188.29m 187.87m 915.17m

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