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Associated Banc-Corp (ASB) vs Bank OZK (OZK)

Associated Banc-Corp and Bank OZK are both Banks Regional companies. Associated Banc-Corp and Bank OZK are of similar size ($5.5B and $5.0B). Bank OZK trades at the lower P/E: 7.6× against 10.1×. Associated Banc-Corp grew revenue faster over the last twelve months: 20.8% against −0.40%. Bank OZK has the higher net margin (24.4% vs 19.1%) and the higher return on invested capital (10.8% vs 4.38%). Both pay a dividend; Bank OZK yields more (4.12% vs 3.31%). Across the 19 metrics below, Bank OZK leads on 17 and Associated Banc-Corp on 2.

Valuation

Metric ASB OZK Banks Regional median
P/E 10.06 7.60 11.98
P/S 2.12 1.84 2.34
P/B 1.00 0.86 1.19
Price to free cash flow 8.02 6.67 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.94% 13.16% 8.23%
Free cash flow yield 12.47% 14.99% 9.08%

Profitability

Metric ASB OZK Banks Regional median
Gross margin 62.64% 62.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.12% 24.37% 18.66%
Free cash flow margin 26.45% 27.52% 21.11%
Return on equity 9.80% 11.72% 10.65%
Return on assets 1.03% 1.62% 1.13%
Return on invested capital 4.38% 10.80% 8.35%

Growth

Metric ASB OZK Banks Regional median
Revenue growth (TTM) 20.78% (0.40%) 6.98%
EPS growth (last fiscal year) 284.72% 0.65% 18.88%
Revenue growth, 5-year CAGR 11.50% 18.81% 12.38%
Net income growth, 5-year CAGR 9.83% 19.09% 9.71%

Health

Metric ASB OZK Banks Regional median
Debt to equity 0.92 0.07 0.22
Current ratio 0.93 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric ASB OZK Banks Regional median
Dividend yield 3.31% 4.12% 2.57%
Payout ratio 0.34 0.31 0.30

Size

Metric ASB OZK Banks Regional median
Market cap 5.45b 5.00b 913.33m

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