ECB Bancorp, Inc. (ECBK) vs SB Financial Group, Inc. (SBFG)

ECB Bancorp, Inc. and SB Financial Group, Inc. are both Banks Regional companies. ECB Bancorp, Inc. and SB Financial Group, Inc. are of similar size ($192.2M and $180.9M). SB Financial Group, Inc. trades at the lower P/E: 11.1× against 14.6×. ECB Bancorp, Inc. grew revenue faster over the last twelve months: 18.6% against 8.95%. SB Financial Group, Inc. has the higher net margin (17.7% vs 13.2%) and the higher return on invested capital (26.8% vs 2.96%). Across the 19 metrics below, ECB Bancorp, Inc. leads on 10 and SB Financial Group, Inc. on 9.

Valuation

Metric ECBK SBFG Banks Regional median
P/E 14.58 11.14 12.15
P/S 1.91 1.95 2.37
P/B 0.92 1.26 1.21
Price to free cash flow 7.40 8.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.61 0.92 2.27
Earnings yield 6.86% 8.98% 8.11%
Free cash flow yield 13.52% 12.47% 8.98%

Profitability

Metric ECBK SBFG Banks Regional median
Gross margin 44.84% 72.07% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.19% 17.67% 18.66%
Free cash flow margin 25.88% 24.35% 21.18%
Return on equity 6.56% 11.95% 10.64%
Return on assets 0.72% 1.08% 1.13%
Return on invested capital 2.96% 26.76% 8.33%

Growth

Metric ECBK SBFG Banks Regional median
Revenue growth (TTM) 18.64% 8.95% 6.61%
EPS growth (last fiscal year) 95.83% 27.33% —
Revenue growth, 5-year CAGR 35.93% 4.59% 12.30%
Net income growth, 5-year CAGR 9.84% (1.33%) 9.71%

Health

Metric ECBK SBFG Banks Regional median
Debt to equity 1.58 0.29 0.22
Current ratio 1.29 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ECBK SBFG Banks Regional median
Dividend yield — 3.25% 3.75%
Payout ratio — 0.28 0.27

Size

Metric ECBK SBFG Banks Regional median
Market cap 180.87m 192.15m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack