Amerant Bancorp Inc. (AMTB) vs Capitol Federal Financial (CFFN)

Amerant Bancorp Inc. and Capitol Federal Financial are both Banks Regional companies. Amerant Bancorp Inc. and Capitol Federal Financial are of similar size ($1.2B and $1.1B). Capitol Federal Financial trades at the lower P/E: 13.4× against 21.1×. Capitol Federal Financial grew revenue faster over the last twelve months: 7.53% against 4.23%. Capitol Federal Financial has the higher net margin (18.7% vs 8.76%) and the lower return on invested capital (2.54% vs 3.15%). Both pay a dividend; Capitol Federal Financial yields more (5.74% vs 1.62%). Across the 20 metrics below, Amerant Bancorp Inc. leads on 10 and Capitol Federal Financial on 10.

Valuation

Metric AMTB CFFN Banks Regional median
P/E 21.14 13.35 12.15
P/S 1.81 2.43 2.37
P/B 1.27 1.05 1.21
Price to free cash flow 9.81 15.05 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.58 5.81 2.27
Earnings yield 4.73% 7.49% 8.11%
Free cash flow yield 10.19% 6.65% 8.98%

Profitability

Metric AMTB CFFN Banks Regional median
Gross margin 65.59% 51.74% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 8.76% 18.67% 18.66%
Free cash flow margin 18.43% 16.14% 21.18%
Return on equity 6.13% 8.00% 10.64%
Return on assets 0.55% 0.85% 1.13%
Return on invested capital 3.15% 2.54% 8.33%

Growth

Metric AMTB CFFN Banks Regional median
Revenue growth (TTM) 4.23% 7.53% 6.61%
EPS growth (last fiscal year) 386.36% 79.31% —
Revenue growth, 5-year CAGR 15.14% 5.30% 12.30%
Net income growth, 5-year CAGR 0.00% 1.03% 9.71%

Health

Metric AMTB CFFN Banks Regional median
Debt to equity 0.87 1.60 0.22
Current ratio 0.86 1.20 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMTB CFFN Banks Regional median
Dividend yield 1.62% 5.74% 3.75%
Payout ratio 0.18 0.79 0.27

Size

Metric AMTB CFFN Banks Regional median
Market cap 1.15b 1.09b 921.07m

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