Northpointe Bancshares, Inc. (NPB) vs Grupo Supervielle S.A. (SUPV)

Northpointe Bancshares, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Northpointe Bancshares, Inc. and Grupo Supervielle S.A. are of similar size ($568.4M and $530.8M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Northpointe Bancshares, Inc. trades at 6.5×. Northpointe Bancshares, Inc. grew revenue faster over the last twelve months: 19.7% against 10.2%. Northpointe Bancshares, Inc. has the higher net margin (16.1% vs −3.62%) and the higher return on invested capital (4.38% vs 0.00%). Across the 16 metrics below, Northpointe Bancshares, Inc. leads on 11 and Grupo Supervielle S.A. on 5.

Valuation

Metric NPB SUPV Banks Regional median
P/E 6.54 n/m 12.15
P/S 1.05 0.38 2.37
P/B 0.87 0.77 1.21
Price to free cash flow 5.20 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.21 (0.16) 2.27
Earnings yield 15.29% (8.70%) 8.11%
Free cash flow yield 19.24% 4.03% 8.98%

Profitability

Metric NPB SUPV Banks Regional median
Gross margin 50.82% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.10% (3.62%) 18.66%
Free cash flow margin 20.29% 1.51% 21.18%
Return on equity 13.41% (7.34%) 10.64%
Return on assets 1.17% (1.06%) 1.13%
Return on invested capital 4.38% 0.00% 8.33%

Growth

Metric NPB SUPV Banks Regional median
Revenue growth (TTM) 19.68% 10.24% 6.61%
EPS growth (last fiscal year) 15.30% (128.85%) —
Revenue growth, 5-year CAGR — 8.30% 12.30%
Net income growth, 5-year CAGR — 0.00% 9.71%

Health

Metric NPB SUPV Banks Regional median
Debt to equity 2.66 0.09 0.22
Current ratio 1.40 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NPB SUPV Banks Regional median
Dividend yield — — 3.75%
Payout ratio — 0.00 0.27

Size

Metric NPB SUPV Banks Regional median
Market cap 530.83m 568.38m 921.07m

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