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ECB Bancorp, Inc. (ECBK) vs Hanover Bancorp, Inc. (HNVR)

ECB Bancorp, Inc. and Hanover Bancorp, Inc. are both Banks Regional companies. ECB Bancorp, Inc. and Hanover Bancorp, Inc. are of similar size ($173.4M and $170.6M). ECB Bancorp, Inc. trades at the lower P/E: 13.9× against 19.0×. ECB Bancorp, Inc. grew revenue faster over the last twelve months: 18.6% against −4.37%. ECB Bancorp, Inc. has the higher net margin (13.2% vs 6.55%) and the lower return on invested capital (2.96% vs 8.61%). Across the 18 metrics below, ECB Bancorp, Inc. leads on 12 and Hanover Bancorp, Inc. on 6.

Valuation

Metric ECBK HNVR Banks Regional median
P/E 13.94 19.00 11.98
P/S 1.83 1.24 2.34
P/B 0.88 0.88 1.19
Price to free cash flow 7.07 6.69 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.17% 5.26% 8.23%
Free cash flow yield 14.14% 14.95% 9.08%

Profitability

Metric ECBK HNVR Banks Regional median
Gross margin 44.84% 53.37% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.19% 6.55% 18.66%
Free cash flow margin 25.88% 18.47% 21.11%
Return on equity 6.56% 4.72% 10.65%
Return on assets 0.72% 0.40% 1.13%
Return on invested capital 2.96% 8.61% 8.35%

Growth

Metric ECBK HNVR Banks Regional median
Revenue growth (TTM) 18.64% (4.37%) 6.98%
EPS growth (last fiscal year) 95.83% (39.76%) 18.88%
Revenue growth, 5-year CAGR 35.93% 28.13% 12.38%
Net income growth, 5-year CAGR 9.84% (7.64%) 9.71%

Health

Metric ECBK HNVR Banks Regional median
Debt to equity 1.58 0.17 0.22
Current ratio 1.29 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ECBK HNVR Banks Regional median
Dividend yield — 1.66% 2.57%
Payout ratio — 0.32 0.30

Size

Metric ECBK HNVR Banks Regional median
Market cap 173.44m 170.60m 913.33m

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