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Amalgamated Financial Corp. (AMAL) vs Peoples Bancorp Inc. (PEBO)

Amalgamated Financial Corp. and Peoples Bancorp Inc. are both Banks Regional companies. Amalgamated Financial Corp. and Peoples Bancorp Inc. are of similar size ($1.5B and $1.4B). Peoples Bancorp Inc. trades at the lower P/E: 11.3× against 12.0×. Amalgamated Financial Corp. grew revenue faster over the last twelve months: 12.5% against −0.24%. Amalgamated Financial Corp. has the higher net margin (24.6% vs 19.8%) and the higher return on invested capital (18.0% vs 8.80%). Both pay a dividend; Peoples Bancorp Inc. yields more (4.30% vs 1.37%). Across the 19 metrics below, Peoples Bancorp Inc. leads on 11 and Amalgamated Financial Corp. on 8.

Valuation

Metric AMAL PEBO Banks Regional median
P/E 12.02 11.31 12.02
P/S 2.95 2.23 2.36
P/B 1.77 1.11 1.23
Price to free cash flow 10.46 8.01 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.32% 8.85% 8.21%
Free cash flow yield 9.56% 12.49% 9.23%

Profitability

Metric AMAL PEBO Banks Regional median
Gross margin 75.62% 76.32% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.57% 19.76% 18.82%
Free cash flow margin 28.22% 27.82% 17.97%
Return on equity 15.30% 10.07% 10.28%
Return on assets 1.34% 1.26% 1.13%
Return on invested capital 17.97% 8.80% 8.45%

Growth

Metric AMAL PEBO Banks Regional median
Revenue growth (TTM) 12.46% (0.24%) 6.37%
EPS growth (last fiscal year) (0.87%) (9.67%) 18.85%
Revenue growth, 5-year CAGR 14.42% 22.87% 12.65%
Net income growth, 5-year CAGR 17.73% 25.16% 9.81%

Health

Metric AMAL PEBO Banks Regional median
Debt to equity 0.07 0.13 0.17
Current ratio 0.63 0.85 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMAL PEBO Banks Regional median
Dividend yield 1.37% 4.30% 2.49%
Payout ratio 0.17 0.49 0.29

Size

Metric AMAL PEBO Banks Regional median
Market cap 1.47b 1.39b 934.85m

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