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OP Bancorp (OPBK) vs Peoples Bancorp of North Carolina, Inc. (PEBK)

OP Bancorp and Peoples Bancorp of North Carolina, Inc. are both Banks Regional companies. OP Bancorp and Peoples Bancorp of North Carolina, Inc. are of similar size ($241.2M and $221.8M). OP Bancorp trades at the lower P/E: 7.6× against 11.8×. OP Bancorp grew revenue faster over the last twelve months: 7.14% against 5.26%. Peoples Bancorp of North Carolina, Inc. has the higher net margin (17.3% vs 16.9%) and the lower return on invested capital (14.0% vs 15.4%). Both pay a dividend; OP Bancorp yields more (3.53% vs 1.87%). Across the 19 metrics below, OP Bancorp leads on 13 and Peoples Bancorp of North Carolina, Inc. on 6.

Valuation

Metric OPBK PEBK Banks Regional median
P/E 7.56 11.79 11.98
P/S 1.28 2.04 2.34
P/B 0.92 1.46 1.19
Price to free cash flow 8.14 11.76 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 13.22% 8.48% 8.23%
Free cash flow yield 12.29% 8.50% 9.08%

Profitability

Metric OPBK PEBK Banks Regional median
Gross margin 57.65% 79.44% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.90% 17.25% 18.66%
Free cash flow margin 15.72% 17.33% 21.11%
Return on equity 12.83% 13.07% 10.65%
Return on assets 1.09% 1.15% 1.13%
Return on invested capital 15.37% 13.98% 8.35%

Growth

Metric OPBK PEBK Banks Regional median
Revenue growth (TTM) 7.14% 5.26% 6.98%
EPS growth (last fiscal year) 23.74% 21.48% 18.88%
Revenue growth, 5-year CAGR 20.94% 10.09% 12.38%
Net income growth, 5-year CAGR 14.67% 11.79% 9.71%

Health

Metric OPBK PEBK Banks Regional median
Debt to equity 0.42 0.10 0.22
Current ratio 1.02 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric OPBK PEBK Banks Regional median
Dividend yield 3.53% 1.87% 2.57%
Payout ratio 0.27 0.23 0.30

Size

Metric OPBK PEBK Banks Regional median
Market cap 221.75m 241.18m 913.33m

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