Mvb Financial Corp. (MVBF) vs Waterstone Financial, Inc. (WSBF)

Mvb Financial Corp. and Waterstone Financial, Inc. are both Banks Regional companies. Mvb Financial Corp. and Waterstone Financial, Inc. are of similar size ($388.6M and $365.3M). Mvb Financial Corp. trades at the lower P/E: 9.9× against 11.8×. Mvb Financial Corp. grew revenue faster over the last twelve months: 17.1% against 4.47%. Mvb Financial Corp. has the higher net margin (15.2% vs 14.6%) and the higher return on invested capital (37.5% vs 7.61%). Both pay a dividend; Waterstone Financial, Inc. yields more (5.59% vs 3.16%). Across the 19 metrics below, Mvb Financial Corp. leads on 11 and Waterstone Financial, Inc. on 8.

Valuation

Metric MVBF WSBF Banks Regional median
P/E 9.88 11.79 12.15
P/S 1.52 1.69 2.37
P/B 1.13 0.99 1.21
Price to free cash flow n/m 7.21 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.51 3.51 2.27
Earnings yield 10.13% 8.48% 8.11%
Free cash flow yield (9.48%) 13.87% 8.98%

Profitability

Metric MVBF WSBF Banks Regional median
Gross margin 73.61% 72.71% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.19% 14.58% 18.66%
Free cash flow margin (14.38%) 20.71% 21.18%
Return on equity 12.00% 8.69% 10.64%
Return on assets 1.15% 1.33% 1.13%
Return on invested capital 37.46% 7.61% 8.33%

Growth

Metric MVBF WSBF Banks Regional median
Revenue growth (TTM) 17.05% 4.47% 6.61%
EPS growth (last fiscal year) 34.64% 46.53% —
Revenue growth, 5-year CAGR 6.46% (9.00%) 12.30%
Net income growth, 5-year CAGR (6.12%) (20.11%) 9.71%

Health

Metric MVBF WSBF Banks Regional median
Debt to equity 0.16 0.00 0.22
Current ratio 0.92 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MVBF WSBF Banks Regional median
Dividend yield 3.16% 5.59% 3.75%
Payout ratio 0.41 1.67 0.27

Size

Metric MVBF WSBF Banks Regional median
Market cap 388.63m 365.29m 921.07m

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