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BBVA Banco Frances S.A. (BBAR) vs First Bancorp (FBNC)

BBVA Banco Frances S.A. and First Bancorp are both Banks Regional companies. BBVA Banco Frances S.A. and First Bancorp are of similar size ($2.6B and $2.5B). BBVA Banco Frances S.A. trades at the lower P/E: 9.3× against 18.7×. First Bancorp grew revenue faster over the last twelve months: 4.32% against 0.77%. First Bancorp has the higher net margin (23.1% vs 5.48%) and the lower return on invested capital (8.32% vs 83.2%). Across the 18 metrics below, BBVA Banco Frances S.A. leads on 12 and First Bancorp on 6.

Valuation

Metric BBAR FBNC Banks Regional median
P/E 9.32 18.75 11.98
P/S 0.52 4.33 2.34
P/B 0.86 1.45 1.19
Price to free cash flow 4.49 10.61 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.73% 5.33% 8.23%
Free cash flow yield 22.25% 9.42% 9.08%

Profitability

Metric BBAR FBNC Banks Regional median
Gross margin 57.38% 73.64% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 5.48% 23.08% 18.66%
Free cash flow margin 11.57% 40.76% 21.11%
Return on equity 9.71% 8.11% 10.65%
Return on assets 1.49% 1.03% 1.13%
Return on invested capital 83.22% 8.32% 8.35%

Growth

Metric BBAR FBNC Banks Regional median
Revenue growth (TTM) 0.77% 4.32% 6.98%
EPS growth (last fiscal year) (39.39%) 45.65% 18.88%
Revenue growth, 5-year CAGR 18.03% 11.48% 12.38%
Net income growth, 5-year CAGR 12.05% 6.37% 9.71%

Health

Metric BBAR FBNC Banks Regional median
Debt to equity 0.33 0.04 0.22
Current ratio 1.06 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBAR FBNC Banks Regional median
Dividend yield — 1.57% 2.57%
Payout ratio — 0.30 0.30

Size

Metric BBAR FBNC Banks Regional median
Market cap 2.64b 2.50b 913.33m

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