Investar Holding Corporation (ISTR) vs Mvb Financial Corp. (MVBF)

Investar Holding Corporation and Mvb Financial Corp. are both Banks Regional companies. Investar Holding Corporation and Mvb Financial Corp. are of similar size ($405.0M and $388.6M). Mvb Financial Corp. trades at the lower P/E: 9.9× against 16.7×. Investar Holding Corporation grew revenue faster over the last twelve months: 23.2% against 17.1%. Investar Holding Corporation has the higher net margin (16.5% vs 15.2%) and the lower return on invested capital (5.78% vs 37.5%). Both pay a dividend; Mvb Financial Corp. yields more (3.16% vs 2.34%). Across the 19 metrics below, Mvb Financial Corp. leads on 11 and Investar Holding Corporation on 8.

Valuation

Metric ISTR MVBF Banks Regional median
P/E 16.74 9.88 12.15
P/S 2.12 1.52 2.37
P/B 1.04 1.13 1.21
Price to free cash flow 16.08 n/m 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.54 0.51 2.27
Earnings yield 5.98% 10.13% 8.11%
Free cash flow yield 6.22% (9.48%) 8.98%

Profitability

Metric ISTR MVBF Banks Regional median
Gross margin 62.55% 73.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.45% 15.19% 18.66%
Free cash flow margin 13.24% (14.38%) 21.18%
Return on equity 9.76% 12.00% 10.64%
Return on assets 0.95% 1.15% 1.13%
Return on invested capital 5.78% 37.46% 8.33%

Growth

Metric ISTR MVBF Banks Regional median
Revenue growth (TTM) 23.18% 17.05% 6.61%
EPS growth (last fiscal year) 4.41% 34.64% —
Revenue growth, 5-year CAGR 7.71% 6.46% 12.30%
Net income growth, 5-year CAGR 9.60% (6.12%) 9.71%

Health

Metric ISTR MVBF Banks Regional median
Debt to equity 0.36 0.16 0.22
Current ratio 0.95 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR MVBF Banks Regional median
Dividend yield 2.34% 3.16% 3.75%
Payout ratio 0.14 0.41 0.27

Size

Metric ISTR MVBF Banks Regional median
Market cap 405.04m 388.63m 921.07m

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