Five Star Bancorp (FSBC) vs Northeast Bancorp (NBN)

Five Star Bancorp and Northeast Bancorp are both Banks Regional companies. Five Star Bancorp and Northeast Bancorp are of similar size ($1.1B and $1.1B). Northeast Bancorp trades at the lower P/E: 10.1× against 12.9×. Five Star Bancorp grew revenue faster over the last twelve months: 18.6% against 9.71%. Northeast Bancorp has the higher net margin (27.9% vs 25.9%) and the higher return on invested capital (8.97% vs 0.00%). Both pay a dividend; Five Star Bancorp yields more (3.44% vs 0.08%). Across the 19 metrics below, Five Star Bancorp leads on 10 and Northeast Bancorp on 9.

Valuation

Metric FSBC NBN Banks Regional median
P/E 12.94 10.08 12.15
P/S 3.35 2.81 2.37
P/B 1.96 1.79 1.21
Price to free cash flow 11.56 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.32 3.91 2.27
Earnings yield 7.73% 9.92% 8.11%
Free cash flow yield 8.65% (5.91%) 8.98%

Profitability

Metric FSBC NBN Banks Regional median
Gross margin 64.01% 61.42% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.92% 27.91% 18.66%
Free cash flow margin 28.97% (16.62%) 21.18%
Return on equity 16.17% 19.57% 10.64%
Return on assets 1.47% 2.26% 1.13%
Return on invested capital 0.00% 8.97% 8.33%

Growth

Metric FSBC NBN Banks Regional median
Revenue growth (TTM) 18.58% 9.71% 6.61%
EPS growth (last fiscal year) 28.32% 26.39% —
Revenue growth, 5-year CAGR 25.01% 20.73% 12.30%
Net income growth, 5-year CAGR 11.39% 8.49% 9.71%

Health

Metric FSBC NBN Banks Regional median
Debt to equity 0.00 1.42 0.22
Current ratio 1.06 1.35 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC NBN Banks Regional median
Dividend yield 3.44% 0.08% 3.75%
Payout ratio 0.22 0.01 0.27

Size

Metric FSBC NBN Banks Regional median
Market cap 1.07b 1.11b 921.07m

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