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Screener Weekly Summary Pricing

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: 12.9× against 13.4×. Five Star Bancorp grew revenue faster over the last twelve months: 18.6% against 17.2%. Five Star Bancorp has the higher net margin (25.9% vs 20.4%) and the lower return on invested capital (0.00% vs 5.20%). Both pay a dividend; Heritage Financial Corporation yields more (5.04% vs 3.44%). Across the 20 metrics below, Five Star Bancorp leads on 14 and Heritage Financial Corporation on 6.

Valuation

Metric FSBC HFWA Banks Regional median
P/E 12.94 13.41 12.15
P/S 3.35 3.08 2.37
P/B 1.96 1.06 1.21
Price to free cash flow 11.56 14.59 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.32 3.04 2.27
Earnings yield 7.73% 7.46% 8.11%
Free cash flow yield 8.65% 6.85% 8.98%

Profitability

Metric FSBC HFWA Banks Regional median
Gross margin 64.01% 77.18% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.92% 20.44% 18.66%
Free cash flow margin 28.97% 21.11% 21.18%
Return on equity 16.17% 7.80% 10.64%
Return on assets 1.47% 1.01% 1.13%
Return on invested capital 0.00% 5.20% 8.33%

Growth

Metric FSBC HFWA Banks Regional median
Revenue growth (TTM) 18.58% 17.17% 6.61%
EPS growth (last fiscal year) 28.32% 58.06% —
Revenue growth, 5-year CAGR 25.01% 5.96% 12.30%
Net income growth, 5-year CAGR 11.39% 7.72% 9.71%

Health

Metric FSBC HFWA Banks Regional median
Debt to equity 0.00 0.17 0.22
Current ratio 1.06 0.83 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC HFWA Banks Regional median
Dividend yield 3.44% 5.04% 3.75%
Payout ratio 0.22 0.38 0.27

Size

Metric FSBC HFWA Banks Regional median
Market cap 1.07b 1.16b 921.07m

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