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FIRST CAROL FIN (FCBM) vs RBB Bancorp (RBB)

FIRST CAROL FIN and RBB Bancorp are both Banks Regional companies. FIRST CAROL FIN and RBB Bancorp are of similar size ($432.5M and $410.1M). Across the 5 metrics below, RBB Bancorp leads on 3 and FIRST CAROL FIN on 2.

Valuation

Metric FCBM RBB Banks Regional median
P/E — 10.49 12.02
P/S n/m 1.81 2.36
P/B 0.77 0.82 1.23
Price to free cash flow n/m 8.02 10.60
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 9.53% 8.21%
Free cash flow yield 0.00% 12.46% 9.23%

Profitability

Metric FCBM RBB Banks Regional median
Gross margin — 54.87% 69.81%
Operating margin — 0.00% 0.00%
Net margin — 17.26% 18.82%
Free cash flow margin — 23.01% 17.97%
Return on equity — 7.93% 10.28%
Return on assets — 1.00% 1.13%
Return on invested capital 0.00% 6.37% 8.45%

Growth

Metric FCBM RBB Banks Regional median
Revenue growth (TTM) — 3.04% 6.37%
EPS growth (last fiscal year) — 24.49% 18.85%
Revenue growth, 5-year CAGR — 9.22% 12.65%
Net income growth, 5-year CAGR — (0.60%) 9.81%

Health

Metric FCBM RBB Banks Regional median
Debt to equity 0.15 0.55 0.17
Current ratio 0.98 1.07 0.93
Net debt to EBITDA — 0.00 0.00

Dividend

Metric FCBM RBB Banks Regional median
Dividend yield — 2.49% 2.49%
Payout ratio — 0.26 0.29

Size

Metric FCBM RBB Banks Regional median
Market cap 410.12m 432.45m 934.85m

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