GBank Financial Holdings Inc. (GBFH) vs Western New England Bancorp (WNEB)

GBank Financial Holdings Inc. and Western New England Bancorp are both Banks Regional companies. GBank Financial Holdings Inc. and Western New England Bancorp are of similar size ($278.0M and $274.2M). GBank Financial Holdings Inc. trades at the lower P/E: 14.8× against 16.6×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 6.11%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs 12.4%) and the higher return on invested capital (23.9% vs 5.33%). Across the 17 metrics below, GBank Financial Holdings Inc. leads on 14 and Western New England Bancorp on 3.

Valuation

Metric GBFH WNEB Banks Regional median
P/E 14.82 16.63 12.15
P/S 2.31 2.05 2.37
P/B 1.60 1.11 1.21
Price to free cash flow 8.91 16.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.38 2.10 2.27
Earnings yield 6.75% 6.01% 8.11%
Free cash flow yield 11.22% 6.24% 8.98%

Profitability

Metric GBFH WNEB Banks Regional median
Gross margin 68.90% 65.46% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.44% 12.43% 18.66%
Free cash flow margin 25.93% 12.80% 21.18%
Return on equity 11.39% 6.87% 10.64%
Return on assets 1.39% 0.62% 1.13%
Return on invested capital 23.93% 5.33% 8.33%

Growth

Metric GBFH WNEB Banks Regional median
Revenue growth (TTM) 19.95% 6.11% 6.61%
EPS growth (last fiscal year) 5.11% 33.93% —
Revenue growth, 5-year CAGR — 7.32% 12.30%
Net income growth, 5-year CAGR — 6.37% 9.71%

Health

Metric GBFH WNEB Banks Regional median
Debt to equity 0.18 0.18 0.22
Current ratio 1.02 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBFH WNEB Banks Regional median
Dividend yield — 3.51% 3.75%
Payout ratio — 0.25 0.27

Size

Metric GBFH WNEB Banks Regional median
Market cap 274.22m 278.04m 921.07m

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