Timberland Bancorp, Inc. (TSBK) vs USCB Financial Holdings, Inc. (USCB)

Timberland Bancorp, Inc. and USCB Financial Holdings, Inc. are both Banks Regional companies. Timberland Bancorp, Inc. and USCB Financial Holdings, Inc. are of similar size ($371.8M and $366.3M). Timberland Bancorp, Inc. trades at the lower P/E: 11.9× against 12.9×. Timberland Bancorp, Inc. grew revenue faster over the last twelve months: 6.43% against 4.72%. Timberland Bancorp, Inc. has the higher net margin (26.5% vs 18.1%) and the higher return on invested capital (83.9% vs 6.24%). Both pay a dividend; Timberland Bancorp, Inc. yields more (2.44% vs 2.39%). Across the 19 metrics below, Timberland Bancorp, Inc. leads on 12 and USCB Financial Holdings, Inc. on 7.

Valuation

Metric TSBK USCB Banks Regional median
P/E 11.86 12.92 12.02
P/S 3.12 2.29 2.36
P/B 1.36 1.56 1.23
Price to free cash flow 12.77 7.43 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.43% 7.74% 8.21%
Free cash flow yield 7.83% 13.45% 9.23%

Profitability

Metric TSBK USCB Banks Regional median
Gross margin 73.10% 61.02% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.46% 18.05% 18.82%
Free cash flow margin 24.42% 30.84% 17.97%
Return on equity 11.89% 12.36% 10.28%
Return on assets 1.57% 1.00% 1.13%
Return on invested capital 83.89% 6.24% 8.45%

Growth

Metric TSBK USCB Banks Regional median
Revenue growth (TTM) 6.43% 4.72% 6.37%
EPS growth (last fiscal year) 21.93% 7.26% 18.85%
Revenue growth, 5-year CAGR 9.51% 20.96% 12.65%
Net income growth, 5-year CAGR 3.74% 27.68% 9.81%

Health

Metric TSBK USCB Banks Regional median
Debt to equity 0.04 1.20 0.17
Current ratio 1.00 0.97 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric TSBK USCB Banks Regional median
Dividend yield 2.44% 2.39% 2.49%
Payout ratio 0.29 0.31 0.29

Size

Metric TSBK USCB Banks Regional median
Market cap 371.75m 366.34m 934.85m

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