FIRST US BANCSH (FUSB) vs Summit State Bank (SSBI)

FIRST US BANCSH and Summit State Bank are both Banks Regional companies. FIRST US BANCSH is the larger, with a market value of $90.6M against $81.7M — 1.1× the size. FIRST US BANCSH trades at the lower P/E: 12.2× against 36.6×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.61% against −7.63%. FIRST US BANCSH has the higher net margin (12.1% vs 3.87%) and the higher return on invested capital (12.3% vs 0.00%). Both pay a dividend; Summit State Bank yields more (6.09% vs 1.92%). Across the 19 metrics below, FIRST US BANCSH leads on 12 and Summit State Bank on 7.

Valuation

Metric FUSB SSBI Banks Regional median
P/E 12.18 36.59 12.15
P/S 1.45 1.44 2.37
P/B 0.89 n/m 1.21
Price to free cash flow 8.73 13.89 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.62 1.44 2.27
Earnings yield 8.21% 2.73% 8.11%
Free cash flow yield 11.46% 7.20% 8.98%

Profitability

Metric FUSB SSBI Banks Regional median
Gross margin 65.18% 100.00% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.10% 3.87% 18.66%
Free cash flow margin 16.56% 0.00% 21.18%
Return on equity 7.53% 0.00% 10.64%
Return on assets 0.68% 0.00% 1.13%
Return on invested capital 12.31% 0.00% 8.33%

Growth

Metric FUSB SSBI Banks Regional median
Revenue growth (TTM) 3.61% (7.63%) 6.61%
EPS growth (last fiscal year) (24.81%) 287.04% —
Revenue growth, 5-year CAGR 6.78% 7.55% 12.30%
Net income growth, 5-year CAGR 17.22% (8.36%) 9.71%

Health

Metric FUSB SSBI Banks Regional median
Debt to equity 0.11 0.08 0.22
Current ratio 0.90 0.91 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FUSB SSBI Banks Regional median
Dividend yield 1.92% 6.09% 3.75%
Payout ratio 0.14 0.21 0.27

Size

Metric FUSB SSBI Banks Regional median
Market cap 90.55m 81.73m 921.07m

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