Mvb Financial Corp. (MVBF) vs PCB Bancorp (PCB)

Mvb Financial Corp. and PCB Bancorp are both Banks Regional companies. Mvb Financial Corp. and PCB Bancorp are of similar size ($388.6M and $386.8M). PCB Bancorp trades at the lower P/E: 9.6× against 9.9×. Mvb Financial Corp. grew revenue faster over the last twelve months: 17.1% against 6.34%. PCB Bancorp has the higher net margin (19.4% vs 15.2%) and the lower return on invested capital (16.3% vs 37.5%). Both pay a dividend; PCB Bancorp yields more (4.79% vs 3.16%). Across the 19 metrics below, PCB Bancorp leads on 12 and Mvb Financial Corp. on 7.

Valuation

Metric MVBF PCB Banks Regional median
P/E 9.88 9.56 12.15
P/S 1.52 1.84 2.37
P/B 1.13 1.18 1.21
Price to free cash flow n/m 9.57 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.51 1.01 2.27
Earnings yield 10.13% 10.47% 8.11%
Free cash flow yield (9.48%) 10.45% 8.98%

Profitability

Metric MVBF PCB Banks Regional median
Gross margin 73.61% 56.62% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.19% 19.35% 18.66%
Free cash flow margin (14.38%) 19.21% 21.18%
Return on equity 12.00% 12.89% 10.64%
Return on assets 1.15% 1.22% 1.13%
Return on invested capital 37.46% 16.25% 8.33%

Growth

Metric MVBF PCB Banks Regional median
Revenue growth (TTM) 17.05% 6.34% 6.61%
EPS growth (last fiscal year) 34.64% 48.28% —
Revenue growth, 5-year CAGR 6.46% 18.00% 12.30%
Net income growth, 5-year CAGR (6.12%) 17.91% 9.71%

Health

Metric MVBF PCB Banks Regional median
Debt to equity 0.16 0.22 0.22
Current ratio 0.92 1.07 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MVBF PCB Banks Regional median
Dividend yield 3.16% 4.79% 3.75%
Payout ratio 0.41 0.28 0.27

Size

Metric MVBF PCB Banks Regional median
Market cap 388.63m 386.79m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack