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First Guaranty Bancshares, Inc. (FGBI) vs Hoyne Bancorp, Inc. (HYNE)

First Guaranty Bancshares, Inc. and Hoyne Bancorp, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. and Hoyne Bancorp, Inc. are of similar size ($136.0M and $135.0M). Hoyne Bancorp, Inc. has the higher net margin (1.14% vs −17.9%) and the higher return on invested capital (0.02% vs 0.00%). Across the 11 metrics below, Hoyne Bancorp, Inc. leads on 7 and First Guaranty Bancshares, Inc. on 4.

Valuation

Metric FGBI HYNE Banks Regional median
P/E n/m — 11.98
P/S 0.62 5.52 2.34
P/B 0.69 0.78 1.19
Price to free cash flow 3.36 n/m 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (29.44%) — 8.23%
Free cash flow yield 29.78% (3.42%) 9.08%

Profitability

Metric FGBI HYNE Banks Regional median
Gross margin 43.27% 77.92% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (17.91%) 1.14% 18.66%
Free cash flow margin 18.49% (18.89%) 21.11%
Return on equity (18.24%) 0.21% 10.65%
Return on assets (0.98%) 0.11% 1.13%
Return on invested capital 0.00% 0.02% 8.35%

Growth

Metric FGBI HYNE Banks Regional median
Revenue growth (TTM) (8.17%) — 6.98%
EPS growth (last fiscal year) (614.81%) — 18.88%
Revenue growth, 5-year CAGR 12.24% — 12.38%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric FGBI HYNE Banks Regional median
Debt to equity 0.82 0.00 0.22
Current ratio 0.73 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FGBI HYNE Banks Regional median
Dividend yield 0.49% — 2.57%
Payout ratio — — 0.30

Size

Metric FGBI HYNE Banks Regional median
Market cap 134.96m 136.03m 913.33m

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