FB Bancorp, Inc. (FBLA) vs Western New England Bancorp (WNEB)

FB Bancorp, Inc. and Western New England Bancorp are both Banks Regional companies. FB Bancorp, Inc. and Western New England Bancorp are of similar size ($271.6M and $264.7M). FB Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Western New England Bancorp trades at 16.1×. FB Bancorp, Inc. grew revenue faster over the last twelve months: 26.6% against 6.11%. Western New England Bancorp has the higher net margin (12.4% vs −0.39%) and the higher return on invested capital (5.33% vs 0.53%). Across the 15 metrics below, FB Bancorp, Inc. leads on 8 and Western New England Bancorp on 7.

Valuation

Metric FBLA WNEB Banks Regional median
P/E n/m 16.12 11.98
P/S 3.39 1.99 2.34
P/B 0.86 1.08 1.19
Price to free cash flow 6.36 15.53 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.06%) 6.20% 8.23%
Free cash flow yield 15.72% 6.44% 9.08%

Profitability

Metric FBLA WNEB Banks Regional median
Gross margin 74.02% 65.46% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.39%) 12.43% 18.66%
Free cash flow margin 33.10% 12.80% 21.11%
Return on equity (0.09%) 6.87% 10.65%
Return on assets (0.02%) 0.62% 1.13%
Return on invested capital 0.53% 5.33% 8.35%

Growth

Metric FBLA WNEB Banks Regional median
Revenue growth (TTM) 26.60% 6.11% 6.98%
EPS growth (last fiscal year) 104.02% 33.93% 18.88%
Revenue growth, 5-year CAGR — 7.32% 12.38%
Net income growth, 5-year CAGR — 6.37% 9.71%

Health

Metric FBLA WNEB Banks Regional median
Debt to equity 0.39 0.18 0.22
Current ratio 0.97 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBLA WNEB Banks Regional median
Dividend yield — 2.07% 2.57%
Payout ratio — 0.33 0.30

Size

Metric FBLA WNEB Banks Regional median
Market cap 264.74m 271.62m 913.33m

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