First Guaranty Bancshares, Inc. (FGBI) vs SB Financial Group, Inc. (SBFG)

First Guaranty Bancshares, Inc. and SB Financial Group, Inc. are both Banks Regional companies. First Guaranty Bancshares, Inc. and SB Financial Group, Inc. are of similar size ($196.0M and $179.2M). First Guaranty Bancshares, Inc. has negative trailing earnings, so its P/E is not meaningful; SB Financial Group, Inc. trades at 10.7×. SB Financial Group, Inc. grew revenue faster over the last twelve months: 8.42% against −8.17%. SB Financial Group, Inc. has the higher net margin (17.2% vs −17.9%) and the higher return on invested capital (32.0% vs 0.00%). Both pay a dividend; SB Financial Group, Inc. yields more (2.20% vs 0.34%). Across the 18 metrics below, SB Financial Group, Inc. leads on 12 and First Guaranty Bancshares, Inc. on 6.

Valuation

Metric FGBI SBFG Banks Regional median
P/E n/m 10.71 12.02
P/S 0.89 1.83 2.36
P/B 0.99 1.23 1.23
Price to free cash flow 4.80 9.29 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (21.95%) 9.34% 8.21%
Free cash flow yield 20.84% 10.77% 9.23%

Profitability

Metric FGBI SBFG Banks Regional median
Gross margin 43.27% 72.03% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (17.91%) 17.18% 18.82%
Free cash flow margin 18.49% 21.49% 17.97%
Return on equity (18.24%) 11.84% 10.28%
Return on assets (0.98%) 1.07% 1.13%
Return on invested capital 0.00% 31.96% 8.45%

Growth

Metric FGBI SBFG Banks Regional median
Revenue growth (TTM) (8.17%) 8.42% 6.37%
EPS growth (last fiscal year) (614.81%) 27.33% 18.85%
Revenue growth, 5-year CAGR 12.24% 4.59% 12.65%
Net income growth, 5-year CAGR 0.00% (1.33%) 9.81%

Health

Metric FGBI SBFG Banks Regional median
Debt to equity 0.82 0.00 0.17
Current ratio 0.73 0.95 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FGBI SBFG Banks Regional median
Dividend yield 0.34% 2.20% 2.49%
Payout ratio — 0.24 0.29

Size

Metric FGBI SBFG Banks Regional median
Market cap 196.00m 179.21m 934.85m

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