Mvb Financial Corp. (MVBF) vs Northeast Community Bancorp Inc. (NECB)

Mvb Financial Corp. and Northeast Community Bancorp Inc. are both Banks Regional companies. Mvb Financial Corp. and Northeast Community Bancorp Inc. are of similar size ($381.0M and $377.0M). Northeast Community Bancorp Inc. trades at the lower P/E: 8.6× against 9.6×. Mvb Financial Corp. grew revenue faster over the last twelve months: 17.1% against −5.05%. Northeast Community Bancorp Inc. has the higher net margin (27.7% vs 15.2%) and the lower return on invested capital (7.83% vs 37.5%). Both pay a dividend; Northeast Community Bancorp Inc. yields more (3.26% vs 2.33%). Across the 18 metrics below, Northeast Community Bancorp Inc. leads on 12 and Mvb Financial Corp. on 6.

Valuation

Metric MVBF NECB Banks Regional median
P/E 9.58 8.58 11.98
P/S 1.47 2.37 2.34
P/B 1.09 1.00 1.19
Price to free cash flow n/m 7.45 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.43% 11.65% 8.23%
Free cash flow yield (9.77%) 13.41% 9.08%

Profitability

Metric MVBF NECB Banks Regional median
Gross margin 73.61% 67.58% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.19% 27.67% 18.66%
Free cash flow margin (14.38%) 31.75% 21.11%
Return on equity 12.00% 12.13% 10.65%
Return on assets 1.15% 2.07% 1.13%
Return on invested capital 37.46% 7.83% 8.35%

Growth

Metric MVBF NECB Banks Regional median
Revenue growth (TTM) 17.05% (5.05%) 6.98%
EPS growth (last fiscal year) 34.64% (9.22%) 18.88%
Revenue growth, 5-year CAGR 6.46% 25.17% 12.38%
Net income growth, 5-year CAGR (6.12%) 29.22% 9.71%

Health

Metric MVBF NECB Banks Regional median
Debt to equity 0.16 0.53 0.22
Current ratio 0.92 1.29 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MVBF NECB Banks Regional median
Dividend yield 2.33% 3.26% 2.57%
Payout ratio 0.23 0.29 0.30

Size

Metric MVBF NECB Banks Regional median
Market cap 376.96m 381.04m 913.33m

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