Grupo Aval Acciones y Valores S.A. (AVAL) vs Dime Community Bancshares, Inc. (DCOM)

Grupo Aval Acciones y Valores S.A. and Dime Community Bancshares, Inc. are both Banks Regional companies. Grupo Aval Acciones y Valores S.A. and Dime Community Bancshares, Inc. are of similar size ($1.9B and $1.8B). Grupo Aval Acciones y Valores S.A. trades at the lower P/E: 12.4× against 14.6×. Dime Community Bancshares, Inc. grew revenue faster over the last twelve months: 14.8% against 1.48%. Dime Community Bancshares, Inc. has the higher net margin (16.0% vs 5.23%) and the higher return on invested capital (57.0% vs −0.19%). Both pay a dividend; Grupo Aval Acciones y Valores S.A. yields more (6.78% vs 5.25%). Across the 20 metrics below, Dime Community Bancshares, Inc. leads on 13 and Grupo Aval Acciones y Valores S.A. on 7.

Valuation

Metric AVAL DCOM Banks Regional median
P/E 12.40 14.57 12.15
P/S 0.69 2.32 2.37
P/B 0.85 1.24 1.21
Price to free cash flow 2.65 8.74 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.58 0.57 2.27
Earnings yield 8.06% 6.86% 8.11%
Free cash flow yield 37.73% 11.44% 8.98%

Profitability

Metric AVAL DCOM Banks Regional median
Gross margin 43.20% 65.17% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.23% 15.95% 18.66%
Free cash flow margin 0.00% 26.58% 21.18%
Return on equity 0.00% 8.81% 10.64%
Return on assets 0.52% 0.82% 1.13%
Return on invested capital (0.19%) 57.02% 8.33%

Growth

Metric AVAL DCOM Banks Regional median
Revenue growth (TTM) 1.48% 14.81% 6.61%
EPS growth (last fiscal year) 71.43% 329.09% —
Revenue growth, 5-year CAGR (10.60%) 23.40% 12.30%
Net income growth, 5-year CAGR (13.35%) 22.01% 9.71%

Health

Metric AVAL DCOM Banks Regional median
Debt to equity 0.56 0.41 0.22
Current ratio 0.88 0.99 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVAL DCOM Banks Regional median
Dividend yield 6.78% 5.25% 3.75%
Payout ratio 0.30 0.27 0.27

Size

Metric AVAL DCOM Banks Regional median
Market cap 1.85b 1.78b 921.07m

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