Investar Holding Corporation (ISTR) vs Northeast Community Bancorp Inc. (NECB)

Investar Holding Corporation and Northeast Community Bancorp Inc. are both Banks Regional companies. Investar Holding Corporation and Northeast Community Bancorp Inc. are of similar size ($399.2M and $383.0M). Northeast Community Bancorp Inc. trades at the lower P/E: 9.0× against 9.8×. Investar Holding Corporation grew revenue faster over the last twelve months: 33.9% against −5.05%. Northeast Community Bancorp Inc. has the higher net margin (27.7% vs 17.8%) and the lower return on invested capital (7.83% vs 9.29%). Both pay a dividend; Northeast Community Bancorp Inc. yields more (3.10% vs 1.65%). Across the 19 metrics below, Northeast Community Bancorp Inc. leads on 13 and Investar Holding Corporation on 6.

Valuation

Metric ISTR NECB Banks Regional median
P/E 9.81 9.02 12.02
P/S 1.85 2.49 2.36
P/B 1.00 1.05 1.23
Price to free cash flow 13.03 7.84 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.19% 11.08% 8.21%
Free cash flow yield 7.68% 12.75% 9.23%

Profitability

Metric ISTR NECB Banks Regional median
Gross margin 63.74% 67.58% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.79% 27.67% 18.82%
Free cash flow margin 14.98% 31.75% 17.97%
Return on equity 11.40% 12.13% 10.28%
Return on assets 1.11% 2.07% 1.13%
Return on invested capital 9.29% 7.83% 8.45%

Growth

Metric ISTR NECB Banks Regional median
Revenue growth (TTM) 33.92% (5.05%) 6.37%
EPS growth (last fiscal year) 4.41% (9.22%) 18.85%
Revenue growth, 5-year CAGR 7.71% 25.17% 12.65%
Net income growth, 5-year CAGR 9.60% 29.22% 9.81%

Health

Metric ISTR NECB Banks Regional median
Debt to equity 0.00 0.53 0.17
Current ratio 0.95 1.29 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR NECB Banks Regional median
Dividend yield 1.65% 3.10% 2.49%
Payout ratio 0.17 0.29 0.29

Size

Metric ISTR NECB Banks Regional median
Market cap 383.00m 399.23m 934.85m

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