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Investar Holding Corporation (ISTR) vs PCB Bancorp (PCB)

Investar Holding Corporation and PCB Bancorp are both Banks Regional companies. Investar Holding Corporation and PCB Bancorp are of similar size ($395.3M and $390.4M). PCB Bancorp trades at the lower P/E: 9.6× against 16.4×. Investar Holding Corporation grew revenue faster over the last twelve months: 23.2% against 6.34%. PCB Bancorp has the higher net margin (19.4% vs 16.5%) and the higher return on invested capital (16.3% vs 5.78%). Both pay a dividend; PCB Bancorp yields more (3.07% vs 1.60%). Across the 19 metrics below, PCB Bancorp leads on 16 and Investar Holding Corporation on 3.

Valuation

Metric ISTR PCB Banks Regional median
P/E 16.37 9.64 11.98
P/S 2.07 1.85 2.34
P/B 1.02 1.19 1.19
Price to free cash flow 15.73 9.66 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.11% 10.37% 8.23%
Free cash flow yield 6.36% 10.36% 9.08%

Profitability

Metric ISTR PCB Banks Regional median
Gross margin 62.55% 56.62% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.45% 19.35% 18.66%
Free cash flow margin 13.24% 19.21% 21.11%
Return on equity 9.76% 12.89% 10.65%
Return on assets 0.95% 1.22% 1.13%
Return on invested capital 5.78% 16.25% 8.35%

Growth

Metric ISTR PCB Banks Regional median
Revenue growth (TTM) 23.18% 6.34% 6.98%
EPS growth (last fiscal year) 4.41% 48.28% 18.88%
Revenue growth, 5-year CAGR 7.71% 18.00% 12.38%
Net income growth, 5-year CAGR 9.60% 17.91% 9.71%

Health

Metric ISTR PCB Banks Regional median
Debt to equity 0.36 0.22 0.22
Current ratio 0.95 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ISTR PCB Banks Regional median
Dividend yield 1.60% 3.07% 2.57%
Payout ratio 0.28 0.30 0.30

Size

Metric ISTR PCB Banks Regional median
Market cap 395.26m 390.44m 913.33m

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