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MainStreet Bank (MNSB) vs SR Bancorp, Inc. (SRBK)

MainStreet Bank and SR Bancorp, Inc. are both Banks Regional companies. MainStreet Bank is the larger, with a market value of $154.1M against $134.0M — 1.1× the size. MainStreet Bank trades at the lower P/E: 10.6× against 42.2×. SR Bancorp, Inc. grew revenue faster over the last twelve months: 3.49% against −6.22%. MainStreet Bank has the higher net margin (11.6% vs 6.47%) and the higher return on invested capital (8.06% vs 1.61%). Both pay a dividend; MainStreet Bank yields more (1.85% vs 1.16%). Across the 19 metrics below, MainStreet Bank leads on 13 and SR Bancorp, Inc. on 6.

Valuation

Metric MNSB SRBK Banks Regional median
P/E 10.61 42.22 12.02
P/S 1.19 2.75 2.36
P/B 0.83 0.78 1.23
Price to free cash flow 6.66 14.40 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.42% 2.37% 8.21%
Free cash flow yield 15.01% 6.94% 9.23%

Profitability

Metric MNSB SRBK Banks Regional median
Gross margin 55.96% 64.58% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.59% 6.47% 18.82%
Free cash flow margin 17.81% 19.08% 17.97%
Return on equity 8.13% 1.79% 10.28%
Return on assets 0.70% 0.29% 1.13%
Return on invested capital 8.06% 1.61% 8.45%

Growth

Metric MNSB SRBK Banks Regional median
Revenue growth (TTM) (6.22%) 3.49% 6.37%
EPS growth (last fiscal year) 210.00% (27.66%) 18.85%
Revenue growth, 5-year CAGR 14.30% 28.50% 12.65%
Net income growth, 5-year CAGR (2.25%) 12.38% 9.81%

Health

Metric MNSB SRBK Banks Regional median
Debt to equity 0.33 0.36 0.17
Current ratio 1.06 1.06 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MNSB SRBK Banks Regional median
Dividend yield 1.85% 1.16% 2.49%
Payout ratio 0.20 0.49 0.29

Size

Metric MNSB SRBK Banks Regional median
Market cap 154.06m 133.97m 934.85m

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