Southern First Bancshares, Inc. (SFST) vs Grupo Supervielle S.A. (SUPV)

Southern First Bancshares, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Southern First Bancshares, Inc. and Grupo Supervielle S.A. are of similar size ($569.8M and $568.4M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Southern First Bancshares, Inc. trades at 12.8×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 8.92%. Southern First Bancshares, Inc. has the higher net margin (16.8% vs −3.62%) and the higher return on invested capital (30.7% vs 0.00%). Across the 18 metrics below, Southern First Bancshares, Inc. leads on 14 and Grupo Supervielle S.A. on 4.

Valuation

Metric SFST SUPV Banks Regional median
P/E 12.79 n/m 12.15
P/S 2.36 0.38 2.37
P/B 1.23 0.77 1.21
Price to free cash flow 13.99 24.84 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.88 (0.16) 2.27
Earnings yield 7.82% (8.70%) 8.11%
Free cash flow yield 7.15% 4.03% 8.98%

Profitability

Metric SFST SUPV Banks Regional median
Gross margin 56.20% 54.65% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.78% (3.62%) 18.66%
Free cash flow margin 16.86% 1.51% 21.18%
Return on equity 9.93% (7.34%) 10.64%
Return on assets 0.88% (1.06%) 1.13%
Return on invested capital 30.67% 0.00% 8.33%

Growth

Metric SFST SUPV Banks Regional median
Revenue growth (TTM) 8.92% 10.24% 6.61%
EPS growth (last fiscal year) 96.34% (128.85%) —
Revenue growth, 5-year CAGR 12.95% 8.30% 12.30%
Net income growth, 5-year CAGR 10.63% 0.00% 9.71%

Health

Metric SFST SUPV Banks Regional median
Debt to equity 0.03 0.09 0.22
Current ratio 1.04 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric SFST SUPV Banks Regional median
Market cap 569.82m 568.38m 921.07m

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