Banc of California, Inc. (BANC) vs Inter & Co. Inc. (INTR)

Banc of California, Inc. and Inter & Co. Inc. are both Banks Regional companies. Banc of California, Inc. and Inter & Co. Inc. are of similar size ($3.0B and $2.7B). Banc of California, Inc. has negative trailing earnings, so its P/E is not meaningful; Inter & Co. Inc. trades at 10.2×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against −12.9%. Inter & Co. Inc. has the higher net margin (9.22% vs −4.01%) and the higher return on invested capital (0.00% vs −2.54%). Both pay a dividend; Banc of California, Inc. yields more (2.68% vs 1.68%). Across the 16 metrics below, Inter & Co. Inc. leads on 10 and Banc of California, Inc. on 6.

Valuation

Metric BANC INTR Banks Regional median
P/E n/m 10.21 11.98
P/S 1.73 0.95 2.34
P/B 0.92 1.41 1.19
Price to free cash flow 7.35 12.92 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (2.33%) 9.79% 8.23%
Free cash flow yield 13.60% 7.74% 9.08%

Profitability

Metric BANC INTR Banks Regional median
Gross margin 57.08% 58.20% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (4.01%) 9.22% 18.66%
Free cash flow margin 23.51% 7.36% 21.11%
Return on equity (2.13%) 15.36% 10.65%
Return on assets (0.18%) 1.64% 1.13%
Return on invested capital (2.54%) 0.00% 8.35%

Growth

Metric BANC INTR Banks Regional median
Revenue growth (TTM) (12.92%) 52.59% 6.98%
EPS growth (last fiscal year) 125.00% 39.47% 18.88%
Revenue growth, 5-year CAGR 42.51% — 12.38%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric BANC INTR Banks Regional median
Debt to equity 0.17 0.08 0.22
Current ratio 0.89 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANC INTR Banks Regional median
Dividend yield 2.68% 1.68% 2.57%
Payout ratio — 0.17 0.30

Size

Metric BANC INTR Banks Regional median
Market cap 2.73b 2.97b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack