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 ($395.3M and $381.0M). Northeast Community Bancorp Inc. trades at the lower P/E: 8.6× against 16.4×. Investar Holding Corporation grew revenue faster over the last twelve months: 23.2% against −5.05%. Northeast Community Bancorp Inc. has the higher net margin (27.7% vs 16.5%) and the higher return on invested capital (7.83% vs 5.78%). Both pay a dividend; Northeast Community Bancorp Inc. yields more (3.26% vs 1.60%). Across the 19 metrics below, Northeast Community Bancorp Inc. leads on 15 and Investar Holding Corporation on 4.

Valuation

Metric ISTR NECB Banks Regional median
P/E 16.37 8.58 11.98
P/S 2.07 2.37 2.34
P/B 1.02 1.00 1.19
Price to free cash flow 15.73 7.45 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.11% 11.65% 8.23%
Free cash flow yield 6.36% 13.41% 9.08%

Profitability

Metric ISTR NECB Banks Regional median
Gross margin 62.55% 67.58% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.45% 27.67% 18.66%
Free cash flow margin 13.24% 31.75% 21.11%
Return on equity 9.76% 12.13% 10.65%
Return on assets 0.95% 2.07% 1.13%
Return on invested capital 5.78% 7.83% 8.35%

Growth

Metric ISTR NECB Banks Regional median
Revenue growth (TTM) 23.18% (5.05%) 6.98%
EPS growth (last fiscal year) 4.41% (9.22%) 18.88%
Revenue growth, 5-year CAGR 7.71% 25.17% 12.38%
Net income growth, 5-year CAGR 9.60% 29.22% 9.71%

Health

Metric ISTR NECB Banks Regional median
Debt to equity 0.36 0.53 0.22
Current ratio 0.95 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR NECB Banks Regional median
Dividend yield 1.60% 3.26% 2.57%
Payout ratio 0.28 0.29 0.30

Size

Metric ISTR NECB Banks Regional median
Market cap 395.26m 381.04m 913.33m

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