Beacon Financial Corporation (BBT) vs FB Financial Corporation (FBK)

Beacon Financial Corporation and FB Financial Corporation are both Banks Regional companies. Beacon Financial Corporation and FB Financial Corporation are of similar size ($2.7B and $2.5B). FB Financial Corporation trades at the lower P/E: 11.8× against 16.5×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 25.5%. FB Financial Corporation has the higher net margin (22.6% vs 13.3%) and the higher return on invested capital (20.5% vs 8.28%). Only FB Financial Corporation pays a dividend (1.53%). Across the 19 metrics below, FB Financial Corporation leads on 10 and Beacon Financial Corporation on 9.

Valuation

Metric BBT FBK Banks Regional median
P/E 16.47 11.85 12.30
P/S 2.10 2.59 2.39
P/B 0.99 1.38 1.22
Price to free cash flow 11.68 13.16 11.09
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.07% 8.44% 8.01%
Free cash flow yield 8.56% 7.60% 8.78%

Profitability

Metric BBT FBK Banks Regional median
Gross margin 66.78% 67.87% 69.56%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.32% 22.62% 18.67%
Free cash flow margin 18.00% 0.00% 21.07%
Return on equity 8.49% 11.93% 10.64%
Return on assets 0.93% 1.40% 1.13%
Return on invested capital 8.28% 20.48% 8.33%

Growth

Metric BBT FBK Banks Regional median
Revenue growth (TTM) 76.38% 25.48% 7.01%
EPS growth (last fiscal year) 33.85% (0.81%) 18.87%
Revenue growth, 5-year CAGR 13.14% 7.32% 12.43%
Net income growth, 5-year CAGR 0.00% 14.02% 9.78%

Health

Metric BBT FBK Banks Regional median
Debt to equity 0.35 0.00 0.21
Current ratio 1.00 0.95 0.95
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT FBK Banks Regional median
Dividend yield 0.00% 1.53% 2.49%
Payout ratio 0.00 0.18 0.29

Size

Metric BBT FBK Banks Regional median
Market cap 2.51b 2.65b 941.09m

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