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AGI, Inc. (AGBK) vs Independent Bank Corp. (IBCP)

AGI, Inc. and Independent Bank Corp. are both Banks Regional companies. AGI, Inc. and Independent Bank Corp. are of similar size ($802.2M and $769.3M). Across the 7 metrics below, Independent Bank Corp. leads on 4 and AGI, Inc. on 3.

Valuation

Metric AGBK IBCP Banks Regional median
P/E — 10.58 12.02
P/S n/m 2.42 2.36
P/B 0.73 1.40 1.23
Price to free cash flow n/m 21.14 10.60
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 9.45% 8.21%
Free cash flow yield (56.93%) 4.73% 9.23%

Profitability

Metric AGBK IBCP Banks Regional median
Gross margin — 75.45% 69.81%
Operating margin — 0.00% 0.00%
Net margin — 21.63% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 13.50% 10.28%
Return on assets 0.00% 1.23% 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric AGBK IBCP Banks Regional median
Revenue growth (TTM) — 3.49% 6.37%
EPS growth (last fiscal year) 17.90% 3.48% 18.85%
Revenue growth, 5-year CAGR — 7.41% 12.65%
Net income growth, 5-year CAGR — 4.07% 9.81%

Health

Metric AGBK IBCP Banks Regional median
Debt to equity 0.31 0.00 0.17
Current ratio 1.51 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AGBK IBCP Banks Regional median
Dividend yield — 3.08% 2.49%
Payout ratio — 0.33 0.29

Size

Metric AGBK IBCP Banks Regional median
Market cap 769.26m 802.22m 934.85m

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