Hingham Institution for Savings (HIFS) vs West Coast Community Bancorp (WCCB)

Hingham Institution for Savings and West Coast Community Bancorp are both Banks Regional companies. Hingham Institution for Savings and West Coast Community Bancorp are of similar size ($659.4M and $656.7M). Hingham Institution for Savings trades at the lower P/E: 10.0× against 12.3×. West Coast Community Bancorp grew revenue faster over the last twelve months: 16.0% against 13.0%. West Coast Community Bancorp has the higher net margin (29.8% vs 27.0%) and the lower return on invested capital (0.00% vs 2.88%). Both pay a dividend; West Coast Community Bancorp yields more (1.62% vs 0.62%). Across the 15 metrics below, Hingham Institution for Savings leads on 9 and West Coast Community Bancorp on 6.

Valuation

Metric HIFS WCCB Banks Regional median
P/E 10.02 12.27 12.02
P/S 2.71 3.64 2.36
P/B 1.31 n/m 1.23
Price to free cash flow 18.81 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — 3.52 —
Earnings yield 9.98% 8.15% 8.21%
Free cash flow yield 5.32% 0.00% 9.23%

Profitability

Metric HIFS WCCB Banks Regional median
Gross margin 49.39% 100.00% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.99% 29.80% 18.82%
Free cash flow margin 14.43% 0.00% 17.97%
Return on equity 13.91% 0.00% 10.28%
Return on assets 1.46% 0.00% 1.13%
Return on invested capital 2.88% 0.00% 8.45%

Growth

Metric HIFS WCCB Banks Regional median
Revenue growth (TTM) 13.03% 16.04% 6.37%
EPS growth (last fiscal year) 92.68% 45.12% 18.85%
Revenue growth, 5-year CAGR 15.43% 25.23% 12.65%
Net income growth, 5-year CAGR 1.45% 23.50% 9.81%

Health

Metric HIFS WCCB Banks Regional median
Debt to equity 2.77 — 0.17
Current ratio 1.50 — 0.93
Net debt to EBITDA 0.00 — 0.00

Dividend

Metric HIFS WCCB Banks Regional median
Dividend yield 0.62% 1.62% 2.49%
Payout ratio 0.06 0.20 0.29

Size

Metric HIFS WCCB Banks Regional median
Market cap 659.44m 656.73m 934.85m

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