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 ($2.6B and $2.6B). Beacon Financial Corporation trades at the lower P/E: 11.4× against 11.8×. Beacon Financial Corporation grew revenue faster over the last twelve months: 74.5% against 1.60%. Banner Corporation has the higher net margin (22.8% vs 17.4%) and the lower return on invested capital (8.93% vs 10.1%). Only Banner Corporation pays a dividend (2.94%). Across the 19 metrics below, Banner Corporation leads on 10 and Beacon Financial Corporation on 9.

Valuation

Metric BANR BBT Banks Regional median
P/E 11.84 11.38 12.02
P/S 2.75 1.98 2.36
P/B 1.14 1.02 1.23
Price to free cash flow 10.04 11.89 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.45% 8.79% 8.21%
Free cash flow yield 9.96% 8.41% 9.23%

Profitability

Metric BANR BBT Banks Regional median
Gross margin 77.27% 67.84% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.81% 17.38% 18.82%
Free cash flow margin 27.41% 0.00% 17.97%
Return on equity 10.01% 9.13% 10.28%
Return on assets 1.17% 1.01% 1.13%
Return on invested capital 8.93% 10.05% 8.45%

Growth

Metric BANR BBT Banks Regional median
Revenue growth (TTM) 1.60% 74.49% 6.37%
EPS growth (last fiscal year) 15.57% 33.85% 18.85%
Revenue growth, 5-year CAGR 7.28% 13.14% 12.65%
Net income growth, 5-year CAGR 11.00% 0.00% 9.81%

Health

Metric BANR BBT Banks Regional median
Debt to equity 0.09 0.31 0.17
Current ratio 0.86 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BANR BBT Banks Regional median
Dividend yield 2.94% 0.00% 2.49%
Payout ratio 0.35 0.00 0.29

Size

Metric BANR BBT Banks Regional median
Market cap 2.56b 2.57b 934.85m

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