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BancFirst Corporation (BANF) vs Independent Bank Corp. (INDB)

BancFirst Corporation and Independent Bank Corp. are both Banks Regional companies. BancFirst Corporation and Independent Bank Corp. are of similar size ($3.7B and $3.6B). Independent Bank Corp. trades at the lower P/E: 14.4× against 14.5×. Independent Bank Corp. grew revenue faster over the last twelve months: 34.2% against 4.89%. BancFirst Corporation has the higher net margin (25.6% vs 20.3%) and the lower return on invested capital (0.00% vs 7.59%). Both pay a dividend; Independent Bank Corp. yields more (3.14% vs 1.83%). Across the 19 metrics below, Independent Bank Corp. leads on 11 and BancFirst Corporation on 8.

Valuation

Metric BANF INDB Banks Regional median
P/E 14.50 14.42 11.98
P/S 3.72 2.87 2.34
P/B 1.87 1.09 1.19
Price to free cash flow 14.93 12.62 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.90% 6.94% 8.23%
Free cash flow yield 6.70% 7.92% 9.08%

Profitability

Metric BANF INDB Banks Regional median
Gross margin 73.51% 75.11% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.61% 20.31% 18.66%
Free cash flow margin 24.94% 22.76% 21.11%
Return on equity 13.67% 8.24% 10.65%
Return on assets 1.73% 1.21% 1.13%
Return on invested capital 0.00% 7.59% 8.35%

Growth

Metric BANF INDB Banks Regional median
Revenue growth (TTM) 4.89% 34.23% 6.98%
EPS growth (last fiscal year) 10.40% (1.77%) 18.88%
Revenue growth, 5-year CAGR 15.64% 17.93% 12.38%
Net income growth, 5-year CAGR 19.30% 11.10% 9.71%

Health

Metric BANF INDB Banks Regional median
Debt to equity 0.04 0.20 0.22
Current ratio 1.03 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANF INDB Banks Regional median
Dividend yield 1.83% 3.14% 2.57%
Payout ratio 0.27 0.45 0.30

Size

Metric BANF INDB Banks Regional median
Market cap 3.63b 3.65b 913.33m

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