GBank Financial Holdings Inc. (GBFH) vs Peoples Bancorp of North Carolina, Inc. (PEBK)

GBank Financial Holdings Inc. and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. GBank Financial Holdings Inc. and Peoples Bancorp of North Carolina, Inc. are of similar size ($236.0M and $224.3M). Peoples Bancorp of North Carolina, Inc. trades at the lower P/E: 9.9× against 12.3×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 4.79%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (18.9% vs 15.4%) and the lower return on invested capital (15.4% vs 23.9%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 8 and Peoples Bancorp of North Carolina, Inc. on 8.

Valuation

Metric GBFH PEBK Banks Regional median
P/E 12.29 9.88 11.87
P/S 1.92 1.87 2.35
P/B 1.33 1.38 1.23
Price to free cash flow 7.39 9.03 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.14% 10.12% 8.34%
Free cash flow yield 13.54% 11.07% 9.37%

Profitability

Metric GBFH PEBK Banks Regional median
Gross margin 68.90% 80.08% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.44% 18.93% 18.99%
Free cash flow margin 25.93% 20.71% 18.19%
Return on equity 11.39% 14.32% 10.45%
Return on assets 1.39% 1.26% 1.15%
Return on invested capital 23.93% 15.36% 8.54%

Growth

Metric GBFH PEBK Banks Regional median
Revenue growth (TTM) 19.95% 4.79% 6.56%
EPS growth (last fiscal year) 5.11% 21.48% 18.85%
Revenue growth, 5-year CAGR — 10.09% 12.65%
Net income growth, 5-year CAGR — 11.79% 9.81%

Health

Metric GBFH PEBK Banks Regional median
Debt to equity 0.18 0.10 0.14
Current ratio 1.02 0.87 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBFH PEBK Banks Regional median
Dividend yield — 2.03% 2.51%
Payout ratio — 0.21 0.30

Size

Metric GBFH PEBK Banks Regional median
Market cap 224.33m 236.04m 915.17m

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