FS Bancorp, Inc. (FSBW) vs Mvb Financial Corp. (MVBF)

FS Bancorp, Inc. and Mvb Financial Corp. are both Banks Regional companies. FS Bancorp, Inc. and Mvb Financial Corp. are of similar size ($344.5M and $332.5M). FS Bancorp, Inc. trades at the lower P/E: 9.9× against 14.8×. FS Bancorp, Inc. grew revenue faster over the last twelve months: 6.61% against −4.19%. FS Bancorp, Inc. has the higher net margin (14.6% vs 9.46%) and the lower return on invested capital (4.01% vs 15.0%). Both pay a dividend; Mvb Financial Corp. yields more (2.66% vs 2.65%). Across the 18 metrics below, FS Bancorp, Inc. leads on 11 and Mvb Financial Corp. on 7.

Valuation

Metric FSBW MVBF Banks Regional median
P/E 9.92 14.84 12.02
P/S 1.43 1.42 2.36
P/B 1.01 1.00 1.23
Price to free cash flow 2.46 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.08% 6.74% 8.21%
Free cash flow yield 40.59% (10.68%) 9.23%

Profitability

Metric FSBW MVBF Banks Regional median
Gross margin 69.57% 71.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.62% 9.46% 18.82%
Free cash flow margin 43.75% (14.69%) 17.97%
Return on equity 10.64% 6.72% 10.28%
Return on assets 1.03% 0.66% 1.13%
Return on invested capital 4.01% 15.02% 8.45%

Growth

Metric FSBW MVBF Banks Regional median
Revenue growth (TTM) 6.61% (4.19%) 6.37%
EPS growth (last fiscal year) (1.61%) 34.64% 18.85%
Revenue growth, 5-year CAGR 8.77% 6.46% 12.65%
Net income growth, 5-year CAGR (3.28%) (6.12%) 9.81%

Health

Metric FSBW MVBF Banks Regional median
Debt to equity 1.17 0.00 0.17
Current ratio 1.10 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBW MVBF Banks Regional median
Dividend yield 2.65% 2.66% 2.49%
Payout ratio 0.27 0.41 0.29

Size

Metric FSBW MVBF Banks Regional median
Market cap 344.51m 332.49m 934.85m

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