Banner Corporation (BANR) vs Beacon Financial Corporation (BBT)

Banner Corporation and Beacon Financial Corporation are both Banks Regional companies. Banner Corporation and Beacon Financial Corporation are of similar size ($2.5B and $2.4B). Banner Corporation trades at the lower P/E: 11.3× against 15.4×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 2.71%. Banner Corporation has the higher net margin (23.6% vs 13.3%) and the lower return on invested capital (7.66% vs 8.28%). Both pay a dividend; Banner Corporation yields more (4.38% vs 3.22%). Across the 20 metrics below, Banner Corporation leads on 12 and Beacon Financial Corporation on 8.

Valuation

Metric BANR BBT Banks Regional median
P/E 11.32 15.44 12.15
P/S 2.65 1.97 2.37
P/B 1.17 0.93 1.21
Price to free cash flow 8.00 10.95 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.74 1.70 2.27
Earnings yield 8.84% 6.48% 8.11%
Free cash flow yield 12.50% 9.14% 8.98%

Profitability

Metric BANR BBT Banks Regional median
Gross margin 76.83% 66.78% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.55% 13.32% 18.66%
Free cash flow margin 33.17% 18.00% 21.18%
Return on equity 10.78% 8.49% 10.64%
Return on assets 1.26% 0.93% 1.13%
Return on invested capital 7.66% 8.28% 8.33%

Growth

Metric BANR BBT Banks Regional median
Revenue growth (TTM) 2.71% 76.38% 6.61%
EPS growth (last fiscal year) 15.57% 33.85% —
Revenue growth, 5-year CAGR 7.28% 13.14% 12.30%
Net income growth, 5-year CAGR 11.00% 0.00% 9.71%

Health

Metric BANR BBT Banks Regional median
Debt to equity 0.26 0.35 0.22
Current ratio 0.88 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANR BBT Banks Regional median
Dividend yield 4.38% 3.22% 3.75%
Payout ratio 0.32 0.29 0.27

Size

Metric BANR BBT Banks Regional median
Market cap 2.52b 2.35b 921.07m

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