Eagle Point Credit Company (ECC) vs RBB Bancorp (RBB)

Eagle Point Credit Company and RBB Bancorp are both in the Financial sector (Closed End Fund Debt and Banks Regional). Eagle Point Credit Company and RBB Bancorp are of similar size ($468.2M and $447.4M). Eagle Point Credit Company has negative trailing earnings, so its P/E is not meaningful; RBB Bancorp trades at 10.8×. RBB Bancorp grew revenue faster over the last twelve months: 3.04% against −7.08%. RBB Bancorp has the higher net margin (17.3% vs −94.2%) and the lower return on invested capital (6.37% vs 9.41%). Both pay a dividend; Eagle Point Credit Company yields more (15.3% vs 3.72%). Across the 21 metrics below, Eagle Point Credit Company leads on 11 and RBB Bancorp on 10.

Valuation

Metric ECC RBB
P/E n/m 10.85
P/S 2.55 1.87
P/B 0.78 0.84
Price to free cash flow 1.94 8.30
EV/EBITDA 4.48 n/m
EV/Sales 3.32 1.92
Earnings yield (34.44%) 9.22%
Free cash flow yield 51.53% 12.05%

Profitability

Metric ECC RBB
Gross margin 100.00% 54.87%
Operating margin 74.11% 0.00%
Net margin (94.21%) 17.26%
Free cash flow margin 131.50% 23.01%
Return on equity (22.69%) 7.93%
Return on assets (13.00%) 1.00%
Return on invested capital 9.41% 6.37%

Growth

Metric ECC RBB
Revenue growth (TTM) (7.08%) 3.04%
EPS growth (last fiscal year) (214.14%) 24.49%
Revenue growth, 5-year CAGR 26.27% 9.22%
Net income growth, 5-year CAGR 0.00% (0.60%)

Health

Metric ECC RBB
Debt to equity 0.37 0.55
Current ratio 0.54 1.07
Net debt to EBITDA 1.52 0.00

Dividend

Metric ECC RBB
Dividend yield 15.26% 3.72%
Payout ratio 1.54 0.20

Size

Metric ECC RBB
Market cap 468.20m 447.43m

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