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Horizon Bancorp (IN) (HBNC) vs MetroCity Bankshares, Inc. (MCBS)

Horizon Bancorp (IN) and MetroCity Bankshares, Inc. are both Banks Regional companies. Horizon Bancorp (IN) and MetroCity Bankshares, Inc. are of similar size ($1.1B and $1.0B). Horizon Bancorp (IN) trades at the lower P/E: 10.0× against 11.7×. Horizon Bancorp (IN) grew revenue faster over the last twelve months: 474.8% against 25.4%. MetroCity Bankshares, Inc. has the higher net margin (29.4% vs 26.5%) and the lower return on invested capital (0.00% vs 11.6%). Both pay a dividend; MetroCity Bankshares, Inc. yields more (3.15% vs 3.07%). Across the 19 metrics below, Horizon Bancorp (IN) leads on 12 and MetroCity Bankshares, Inc. on 7.

Valuation

Metric HBNC MCBS Banks Regional median
P/E 9.97 11.73 11.87
P/S 2.65 3.52 2.35
P/B 1.52 1.78 1.23
Price to free cash flow 9.57 21.48 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.03% 8.52% 8.34%
Free cash flow yield 10.45% 4.66% 9.37%

Profitability

Metric HBNC MCBS Banks Regional median
Gross margin 74.85% 65.04% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.52% 29.38% 18.99%
Free cash flow margin 27.66% 16.55% 18.19%
Return on equity 15.69% 16.87% 10.45%
Return on assets 1.60% 2.11% 1.15%
Return on invested capital 11.62% 0.00% 8.54%

Growth

Metric HBNC MCBS Banks Regional median
Revenue growth (TTM) 474.78% 25.36% 6.56%
EPS growth (last fiscal year) (493.75%) 4.76% 18.85%
Revenue growth, 5-year CAGR (16.35%) 18.60% 12.65%
Net income growth, 5-year CAGR 0.00% 13.49% 9.81%

Health

Metric HBNC MCBS Banks Regional median
Debt to equity 0.00 0.64 0.14
Current ratio 0.92 0.00 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HBNC MCBS Banks Regional median
Dividend yield 3.07% 3.15% 2.51%
Payout ratio 0.31 0.37 0.30

Size

Metric HBNC MCBS Banks Regional median
Market cap 1.07b 1.04b 915.17m

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