Grupo Supervielle S.A. (SUPV) vs Unity Bancorp, Inc. (UNTY)

Grupo Supervielle S.A. and Unity Bancorp, Inc. are both Banks Regional companies. Grupo Supervielle S.A. and Unity Bancorp, Inc. are of similar size ($568.4M and $555.0M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Unity Bancorp, Inc. trades at 9.6×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 10.2%. Unity Bancorp, Inc. has the higher net margin (30.3% vs −3.62%) and the higher return on invested capital (10.6% vs 0.00%). Across the 18 metrics below, Unity Bancorp, Inc. leads on 13 and Grupo Supervielle S.A. on 5.

Valuation

Metric SUPV UNTY Banks Regional median
P/E n/m 9.59 12.15
P/S 0.38 2.91 2.37
P/B 0.77 1.51 1.21
Price to free cash flow 24.84 20.84 10.80
EV/EBITDA n/m n/m —
EV/Sales (0.16) 3.30 2.27
Earnings yield (8.70%) 10.43% 8.11%
Free cash flow yield 4.03% 4.80% 8.98%

Profitability

Metric SUPV UNTY Banks Regional median
Gross margin 54.65% 69.92% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin (3.62%) 30.26% 18.66%
Free cash flow margin 1.51% 13.95% 21.18%
Return on equity (7.34%) 16.95% 10.64%
Return on assets (1.06%) 1.91% 1.13%
Return on invested capital 0.00% 10.56% 8.33%

Growth

Metric SUPV UNTY Banks Regional median
Revenue growth (TTM) 10.24% 10.15% 6.61%
EPS growth (last fiscal year) (128.85%) 39.66% —
Revenue growth, 5-year CAGR 8.30% 15.45% 12.30%
Net income growth, 5-year CAGR 0.00% 19.64% 9.71%

Health

Metric SUPV UNTY Banks Regional median
Debt to equity 0.09 0.88 0.22
Current ratio 0.92 1.17 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SUPV UNTY Banks Regional median
Dividend yield — 1.82% 3.75%
Payout ratio 0.00 0.12 0.27

Size

Metric SUPV UNTY Banks Regional median
Market cap 568.38m 555.03m 921.07m

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