FB Bancorp, Inc. (FBLA) vs GBank Financial Holdings Inc. (GBFH)

FB Bancorp, Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. FB Bancorp, Inc. and GBank Financial Holdings Inc. are of similar size ($264.7M and $257.6M). FB Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; GBank Financial Holdings Inc. trades at 13.6×. FB Bancorp, Inc. grew revenue faster over the last twelve months: 26.6% against 20.0%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs −0.39%) and the higher return on invested capital (23.9% vs 0.53%). Across the 15 metrics below, GBank Financial Holdings Inc. leads on 8 and FB Bancorp, Inc. on 7.

Valuation

Metric FBLA GBFH Banks Regional median
P/E n/m 13.64 11.98
P/S 3.39 2.13 2.34
P/B 0.86 1.47 1.19
Price to free cash flow 6.36 8.20 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.06%) 7.33% 8.23%
Free cash flow yield 15.72% 12.19% 9.08%

Profitability

Metric FBLA GBFH Banks Regional median
Gross margin 74.02% 68.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.39%) 15.44% 18.66%
Free cash flow margin 33.10% 25.93% 21.11%
Return on equity (0.09%) 11.39% 10.65%
Return on assets (0.02%) 1.39% 1.13%
Return on invested capital 0.53% 23.93% 8.35%

Growth

Metric FBLA GBFH Banks Regional median
Revenue growth (TTM) 26.60% 19.95% 6.98%
EPS growth (last fiscal year) 104.02% 5.11% 18.88%
Revenue growth, 5-year CAGR — — 12.38%
Net income growth, 5-year CAGR — — 9.71%

Health

Metric FBLA GBFH Banks Regional median
Debt to equity 0.39 0.18 0.22
Current ratio 0.97 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBLA GBFH Banks Regional median
Dividend yield — — 2.57%
Payout ratio — — 0.30

Size

Metric FBLA GBFH Banks Regional median
Market cap 264.74m 257.59m 913.33m

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