Fvcbankcorp, Inc. (FVCB) vs First Western Financial, Inc. (MYFW)

Fvcbankcorp, Inc. and First Western Financial, Inc. are both Banks Regional companies. Fvcbankcorp, Inc. and First Western Financial, Inc. are of similar size ($300.4M and $293.8M). Fvcbankcorp, Inc. trades at the lower P/E: 10.9× against 14.1×. First Western Financial, Inc. grew revenue faster over the last twelve months: 6.35% against 5.74%. First Western Financial, Inc. has the higher net margin (10.9% vs 0.00%) and the lower return on invested capital (5.53% vs 7.40%). Across the 18 metrics below, Fvcbankcorp, Inc. leads on 11 and First Western Financial, Inc. on 7.

Valuation

Metric FVCB MYFW Banks Regional median
P/E 10.87 14.11 12.02
P/S 2.33 1.55 2.36
P/B 1.09 1.04 1.23
Price to free cash flow 9.83 13.03 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.20% 7.09% 8.21%
Free cash flow yield 10.18% 7.67% 9.23%

Profitability

Metric FVCB MYFW Banks Regional median
Gross margin 58.99% 57.23% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 10.94% 18.82%
Free cash flow margin 0.00% 11.87% 17.97%
Return on equity 10.38% 7.73% 10.28%
Return on assets 1.16% 0.64% 1.13%
Return on invested capital 7.40% 5.53% 8.45%

Growth

Metric FVCB MYFW Banks Regional median
Revenue growth (TTM) 5.74% 6.35% 6.37%
EPS growth (last fiscal year) 47.56% 55.17% 18.85%
Revenue growth, 5-year CAGR 11.76% 12.26% 12.65%
Net income growth, 5-year CAGR 7.31% (11.68%) 9.81%

Health

Metric FVCB MYFW Banks Regional median
Debt to equity 0.09 0.64 0.17
Current ratio 1.03 1.02 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FVCB MYFW Banks Regional median
Dividend yield 1.66% — 2.49%
Payout ratio 0.18 — 0.29

Size

Metric FVCB MYFW Banks Regional median
Market cap 293.78m 300.39m 934.85m

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