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Five Star Bancorp (FSBC) vs MetroCity Bankshares, Inc. (MCBS)

Five Star Bancorp and MetroCity Bankshares, Inc. are both Banks Regional companies. Five Star Bancorp and MetroCity Bankshares, Inc. are of similar size ($1.1B and $1.0B). MetroCity Bankshares, Inc. trades at the lower P/E: 12.0× against 12.7×. MetroCity Bankshares, Inc. grew revenue faster over the last twelve months: 19.3% against 18.6%. MetroCity Bankshares, Inc. has the higher net margin (28.3% vs 25.9%) and the higher return on invested capital (10.5% vs 0.00%). Both pay a dividend; MetroCity Bankshares, Inc. yields more (3.07% vs 2.21%). Across the 19 metrics below, MetroCity Bankshares, Inc. leads on 11 and Five Star Bancorp on 8.

Valuation

Metric FSBC MCBS Banks Regional median
P/E 12.72 12.03 11.98
P/S 3.29 3.58 2.34
P/B 1.93 1.78 1.19
Price to free cash flow 11.36 12.36 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.86% 8.31% 8.23%
Free cash flow yield 8.80% 8.09% 9.08%

Profitability

Metric FSBC MCBS Banks Regional median
Gross margin 64.01% 64.72% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.92% 28.34% 18.66%
Free cash flow margin 28.97% 28.95% 21.11%
Return on equity 16.17% 15.91% 10.65%
Return on assets 1.47% 1.96% 1.13%
Return on invested capital 0.00% 10.53% 8.35%

Growth

Metric FSBC MCBS Banks Regional median
Revenue growth (TTM) 18.58% 19.32% 6.98%
EPS growth (last fiscal year) 28.32% 4.76% 18.88%
Revenue growth, 5-year CAGR 25.01% 18.60% 12.38%
Net income growth, 5-year CAGR 11.39% 13.49% 9.71%

Health

Metric FSBC MCBS Banks Regional median
Debt to equity 0.00 0.66 0.22
Current ratio 1.06 1.21 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC MCBS Banks Regional median
Dividend yield 2.21% 3.07% 2.57%
Payout ratio 0.28 0.38 0.30

Size

Metric FSBC MCBS Banks Regional median
Market cap 1.06b 1.00b 913.33m

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