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BBVA Banco Frances S.A. (BBAR) vs Enterprise Financial Services Corporation (EFSC)

BBVA Banco Frances S.A. and Enterprise Financial Services Corporation are both Banks Regional companies. BBVA Banco Frances S.A. and Enterprise Financial Services Corporation are of similar size ($2.2B and $2.2B). BBVA Banco Frances S.A. trades at the lower P/E: 7.9× against 12.4×. Enterprise Financial Services Corporation grew revenue faster over the last twelve months: 1.66% against −0.82%. Enterprise Financial Services Corporation has the higher net margin (18.5% vs 5.57%) and the lower return on invested capital (7.77% vs 100.9%). Across the 18 metrics below, BBVA Banco Frances S.A. leads on 9 and Enterprise Financial Services Corporation on 9.

Valuation

Metric BBAR EFSC Banks Regional median
P/E 7.88 12.41 12.02
P/S 0.45 2.25 2.36
P/B 0.73 1.22 1.23
Price to free cash flow 3.80 9.50 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 12.68% 8.06% 8.21%
Free cash flow yield 26.30% 10.52% 9.23%

Profitability

Metric BBAR EFSC Banks Regional median
Gross margin 56.70% 75.18% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.57% 18.45% 18.82%
Free cash flow margin 11.75% 23.73% 17.97%
Return on equity 9.71% 9.79% 10.28%
Return on assets 1.49% 1.07% 1.13%
Return on invested capital 100.94% 7.77% 8.45%

Growth

Metric BBAR EFSC Banks Regional median
Revenue growth (TTM) (0.82%) 1.66% 6.37%
EPS growth (last fiscal year) (36.41%) 9.94% 18.85%
Revenue growth, 5-year CAGR 18.03% 22.76% 12.65%
Net income growth, 5-year CAGR 12.05% 21.58% 9.81%

Health

Metric BBAR EFSC Banks Regional median
Debt to equity 0.33 0.26 0.17
Current ratio 1.06 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBAR EFSC Banks Regional median
Dividend yield — 2.15% 2.49%
Payout ratio — 0.27 0.29

Size

Metric BBAR EFSC Banks Regional median
Market cap 2.20b 2.22b 934.85m

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