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AXOS FINANCIAL, INC (AX) vs Home BancShares, Inc. (HOMB)

AXOS FINANCIAL, INC and Home BancShares, Inc. are both Banks Regional companies. Home BancShares, Inc. is the larger, with a market value of $6.0B against $5.2B — 1.1× the size. AXOS FINANCIAL, INC trades at the lower P/E: 10.3× against 12.3×. AXOS FINANCIAL, INC grew revenue faster over the last twelve months: 17.7% against 2.21%. Home BancShares, Inc. has the higher net margin (32.4% vs 22.3%) and the lower return on invested capital (9.54% vs 17.2%). Across the 18 metrics below, AXOS FINANCIAL, INC leads on 12 and Home BancShares, Inc. on 6.

Valuation

Metric AX HOMB Banks Regional median
P/E 10.34 12.34 12.02
P/S 2.31 4.01 2.36
P/B 1.60 1.33 1.23
Price to free cash flow 12.59 13.69 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.67% 8.10% 8.21%
Free cash flow yield 7.94% 7.30% 9.23%

Profitability

Metric AX HOMB Banks Regional median
Gross margin 68.28% 75.51% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.33% 32.36% 18.82%
Free cash flow margin 18.36% 0.00% 17.97%
Return on equity 16.69% 11.10% 10.28%
Return on assets 1.74% 2.07% 1.13%
Return on invested capital 17.21% 9.54% 8.45%

Growth

Metric AX HOMB Banks Regional median
Revenue growth (TTM) 17.68% 2.21% 6.37%
EPS growth (last fiscal year) 14.13% 19.90% 18.85%
Revenue growth, 5-year CAGR 24.82% 13.40% 12.65%
Net income growth, 5-year CAGR 17.87% 17.26% 9.81%

Health

Metric AX HOMB Banks Regional median
Debt to equity 0.33 0.12 0.17
Current ratio 1.08 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AX HOMB Banks Regional median
Dividend yield — 2.86% 2.49%
Payout ratio — 0.35 0.29

Size

Metric AX HOMB Banks Regional median
Market cap 5.24b 6.02b 934.85m

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