Home Bancorp, Inc. (HBCP) vs Unity Bancorp, Inc. (UNTY)

Home Bancorp, Inc. and Unity Bancorp, Inc. are both Banks Regional companies. Home Bancorp, Inc. and Unity Bancorp, Inc. are of similar size ($555.0M and $533.0M). Unity Bancorp, Inc. trades at the lower P/E: 9.6× against 11.2×. Unity Bancorp, Inc. grew revenue faster over the last twelve months: 10.2% against 2.06%. Unity Bancorp, Inc. has the higher net margin (30.3% vs 22.2%) and the lower return on invested capital (10.6% vs 11.5%). Both pay a dividend; Home Bancorp, Inc. yields more (2.75% vs 1.82%). Across the 20 metrics below, Home Bancorp, Inc. leads on 10 and Unity Bancorp, Inc. on 10.

Valuation

Metric HBCP UNTY Banks Regional median
P/E 11.20 9.59 12.15
P/S 2.50 2.91 2.37
P/B 1.16 1.51 1.21
Price to free cash flow 10.20 20.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.86 3.30 2.27
Earnings yield 8.93% 10.43% 8.11%
Free cash flow yield 9.80% 4.80% 8.98%

Profitability

Metric HBCP UNTY Banks Regional median
Gross margin 73.15% 69.92% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.23% 30.26% 18.66%
Free cash flow margin 24.48% 13.95% 21.18%
Return on equity 10.84% 16.95% 10.64%
Return on assets 1.32% 1.91% 1.13%
Return on invested capital 11.49% 10.56% 8.33%

Growth

Metric HBCP UNTY Banks Regional median
Revenue growth (TTM) 2.06% 10.15% 6.61%
EPS growth (last fiscal year) 28.73% 39.66% —
Revenue growth, 5-year CAGR 12.05% 15.45% 12.30%
Net income growth, 5-year CAGR 13.21% 19.64% 9.71%

Health

Metric HBCP UNTY Banks Regional median
Debt to equity 0.12 0.88 0.22
Current ratio 0.97 1.17 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBCP UNTY Banks Regional median
Dividend yield 2.75% 1.82% 3.75%
Payout ratio 0.19 0.12 0.27

Size

Metric HBCP UNTY Banks Regional median
Market cap 533.01m 555.03m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack