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Farmers & Merchants Bancorp Inc. (FMAO) vs Private Bancorp of America, Inc. (PBAM)

Farmers & Merchants Bancorp Inc. and Private Bancorp of America, Inc. are both Banks Regional companies. Farmers & Merchants Bancorp Inc. and Private Bancorp of America, Inc. are of similar size ($500.5M and $482.0M). Private Bancorp of America, Inc. trades at the lower P/E: 10.8× against 11.6×. Farmers & Merchants Bancorp Inc. grew revenue faster over the last twelve months: 7.05% against 3.55%. Private Bancorp of America, Inc. has the higher net margin (25.3% vs 21.0%) and the lower return on invested capital (0.00% vs 9.71%). Across the 18 metrics below, Private Bancorp of America, Inc. leads on 13 and Farmers & Merchants Bancorp Inc. on 5.

Valuation

Metric FMAO PBAM Banks Regional median
P/E 11.64 10.81 12.02
P/S 2.46 2.73 2.36
P/B 1.28 1.68 1.23
Price to free cash flow 10.62 3.94 10.60
EV/EBITDA — n/m —
EV/Sales — 0.97 —
Earnings yield 8.59% 9.25% 8.21%
Free cash flow yield 9.42% 25.41% 9.23%

Profitability

Metric FMAO PBAM Banks Regional median
Gross margin 66.87% 75.85% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.04% 25.34% 18.82%
Free cash flow margin 23.21% 69.32% 17.97%
Return on equity 11.27% 16.70% 10.28%
Return on assets 1.21% 1.72% 1.13%
Return on invested capital 9.71% 0.00% 8.45%

Growth

Metric FMAO PBAM Banks Regional median
Revenue growth (TTM) 7.05% 3.55% 6.37%
EPS growth (last fiscal year) 27.89% 12.52% 18.85%
Revenue growth, 5-year CAGR 17.00% 22.57% 12.65%
Net income growth, 5-year CAGR 10.53% 30.37% 9.81%

Health

Metric FMAO PBAM Banks Regional median
Debt to equity 0.43 0.03 0.17
Current ratio 0.96 1.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FMAO PBAM Banks Regional median
Dividend yield 2.56% — 2.49%
Payout ratio 0.30 — 0.29

Size

Metric FMAO PBAM Banks Regional median
Market cap 500.49m 482.02m 934.85m

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