BancFirst Corporation (BANF) vs Grupo Financiero Galicia S.A. (GGAL)

BancFirst Corporation and Grupo Financiero Galicia S.A. are both Banks Regional companies. BancFirst Corporation and Grupo Financiero Galicia S.A. are of similar size ($4.0B and $3.9B). BancFirst Corporation trades at the lower P/E: 15.0× against 15.2×. BancFirst Corporation grew revenue faster over the last twelve months: −16.4% against −65.4%. BancFirst Corporation has the higher net margin (32.4% vs 7.53%) and the higher return on invested capital (0.00% vs −76.1%). Across the 16 metrics below, Grupo Financiero Galicia S.A. leads on 9 and BancFirst Corporation on 7.

Valuation

Metric BANF GGAL Banks Regional median
P/E 15.02 15.21 12.02
P/S 4.88 1.20 2.36
P/B 1.97 0.80 1.23
Price to free cash flow 15.72 0.70 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.66% 6.58% 8.21%
Free cash flow yield 6.36% 143.09% 9.23%

Profitability

Metric BANF GGAL Banks Regional median
Gross margin 75.75% 84.41% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.44% 7.53% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 0.00% 10.28%
Return on assets 0.00% 1.00% 1.13%
Return on invested capital 0.00% (76.07%) 8.45%

Growth

Metric BANF GGAL Banks Regional median
Revenue growth (TTM) (16.39%) (65.36%) 6.37%
EPS growth (last fiscal year) 10.40% (91.19%) 18.85%
Revenue growth, 5-year CAGR 15.64% 19.31% 12.65%
Net income growth, 5-year CAGR 19.30% (13.82%) 9.81%

Health

Metric BANF GGAL Banks Regional median
Debt to equity 0.04 0.00 0.17
Current ratio 1.03 1.08 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANF GGAL Banks Regional median
Dividend yield 1.73% — 2.49%
Payout ratio 0.26 — 0.29

Size

Metric BANF GGAL Banks Regional median
Market cap 3.87b 3.96b 934.85m

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