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Beacon Financial Corporation (BBT) vs First Merchants Corporation (FRME)

Beacon Financial Corporation and First Merchants Corporation are both Banks Regional companies. Beacon Financial Corporation and First Merchants Corporation are of similar size ($2.6B and $2.5B). First Merchants Corporation trades at the lower P/E: 13.0× against 16.5×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 3.18%. First Merchants Corporation has the higher net margin (16.9% vs 13.3%) and the lower return on invested capital (3.59% vs 8.28%). Only First Merchants Corporation pays a dividend (3.59%). Across the 19 metrics below, First Merchants Corporation leads on 10 and Beacon Financial Corporation on 9.

Valuation

Metric BBT FRME Banks Regional median
P/E 16.47 13.01 12.30
P/S 2.10 2.33 2.39
P/B 0.99 0.95 1.22
Price to free cash flow 11.68 8.05 11.09
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.07% 7.69% 8.01%
Free cash flow yield 8.56% 12.42% 8.78%

Profitability

Metric BBT FRME Banks Regional median
Gross margin 66.78% 63.41% 69.56%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.32% 16.88% 18.67%
Free cash flow margin 18.00% 28.88% 21.07%
Return on equity 8.49% 7.37% 10.64%
Return on assets 0.93% 0.92% 1.13%
Return on invested capital 8.28% 3.59% 8.33%

Growth

Metric BBT FRME Banks Regional median
Revenue growth (TTM) 76.38% 3.18% 7.01%
EPS growth (last fiscal year) 33.85% 13.78% 18.87%
Revenue growth, 5-year CAGR 13.14% 13.50% 12.43%
Net income growth, 5-year CAGR 0.00% 8.57% 9.78%

Health

Metric BBT FRME Banks Regional median
Debt to equity 0.35 0.56 0.21
Current ratio 1.00 0.95 0.95
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT FRME Banks Regional median
Dividend yield 0.00% 3.59% 2.49%
Payout ratio 0.00 0.47 0.29

Size

Metric BBT FRME Banks Regional median
Market cap 2.51b 2.56b 941.09m

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