Pricing Log in Create free account

Five Star Bancorp (FSBC) vs Heritage Financial Corporation (HFWA)

Five Star Bancorp and Heritage Financial Corporation are both Banks Regional companies. Five Star Bancorp and Heritage Financial Corporation are of similar size ($1.2B and $1.1B). Five Star Bancorp trades at the lower P/E: 12.4× against 14.1×. Heritage Financial Corporation grew revenue faster over the last twelve months: 21.5% against 18.1%. Five Star Bancorp has the higher net margin (26.6% vs 19.2%) and the higher return on invested capital (10.5% vs 5.47%). Both pay a dividend; Heritage Financial Corporation yields more (3.43% vs 2.28%). Across the 19 metrics below, Five Star Bancorp leads on 13 and Heritage Financial Corporation on 6.

Valuation

Metric FSBC HFWA Banks Regional median
P/E 12.42 14.08 12.02
P/S 3.55 2.89 2.36
P/B 1.68 1.07 1.23
Price to free cash flow 11.76 14.48 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.05% 7.10% 8.21%
Free cash flow yield 8.50% 6.90% 9.23%

Profitability

Metric FSBC HFWA Banks Regional median
Gross margin 64.80% 78.21% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.58% 19.23% 18.82%
Free cash flow margin 30.17% 0.00% 17.97%
Return on equity 14.80% 7.79% 10.28%
Return on assets 1.52% 1.00% 1.13%
Return on invested capital 10.50% 5.47% 8.45%

Growth

Metric FSBC HFWA Banks Regional median
Revenue growth (TTM) 18.14% 21.51% 6.37%
EPS growth (last fiscal year) 28.32% 58.06% 18.85%
Revenue growth, 5-year CAGR 25.01% 5.96% 12.65%
Net income growth, 5-year CAGR 11.39% 7.72% 9.81%

Health

Metric FSBC HFWA Banks Regional median
Debt to equity 0.00 0.13 0.17
Current ratio 1.06 0.83 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC HFWA Banks Regional median
Dividend yield 2.28% 3.43% 2.49%
Payout ratio 0.28 0.49 0.29

Size

Metric FSBC HFWA Banks Regional median
Market cap 1.07b 1.16b 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack