PCB Bancorp (PCB) vs Grupo Supervielle S.A. (SUPV)

PCB Bancorp and Grupo Supervielle S.A. are both Banks Regional companies. PCB Bancorp and Grupo Supervielle S.A. are of similar size ($433.5M and $424.1M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; PCB Bancorp trades at 10.2×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 3.68%. PCB Bancorp has the higher net margin (0.00% vs −3.62%) and the higher return on invested capital (0.00% vs 0.00%). Across the 16 metrics below, PCB Bancorp leads on 12 and Grupo Supervielle S.A. on 4.

Valuation

Metric PCB SUPV Banks Regional median
P/E 10.18 n/m 12.02
P/S 1.98 0.30 2.36
P/B 1.27 0.60 1.23
Price to free cash flow 10.60 19.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.82% (11.05%) 8.21%
Free cash flow yield 9.43% 5.11% 9.23%

Profitability

Metric PCB SUPV Banks Regional median
Gross margin 57.24% 54.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% (3.62%) 18.82%
Free cash flow margin 18.63% 1.51% 17.97%
Return on equity 0.00% (7.34%) 10.28%
Return on assets 0.00% (1.06%) 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric PCB SUPV Banks Regional median
Revenue growth (TTM) 3.68% 10.24% 6.37%
EPS growth (last fiscal year) 48.28% (134.42%) 18.85%
Revenue growth, 5-year CAGR 18.00% 8.30% 12.65%
Net income growth, 5-year CAGR 17.91% 0.00% 9.81%

Health

Metric PCB SUPV Banks Regional median
Debt to equity 0.00 0.09 0.17
Current ratio 0.00 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PCB SUPV Banks Regional median
Dividend yield 2.84% — 2.49%
Payout ratio 0.29 — 0.29

Size

Metric PCB SUPV Banks Regional median
Market cap 424.10m 433.52m 934.85m

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