Beacon Financial Corporation (BBT) vs Northwest Bancshares, Inc. (NWBI)

Beacon Financial Corporation and Northwest Bancshares, Inc. are both Banks Regional companies. Beacon Financial Corporation and Northwest Bancshares, Inc. are of similar size ($2.4B and $2.2B). Northwest Bancshares, Inc. trades at the lower P/E: 14.6× against 15.4×. Beacon Financial Corporation grew revenue faster over the last twelve months: 76.4% against 14.6%. Northwest Bancshares, Inc. has the higher net margin (16.3% vs 13.3%) and the lower return on invested capital (4.91% vs 8.28%). Both pay a dividend; Northwest Bancshares, Inc. yields more (6.81% vs 3.22%). Across the 20 metrics below, Beacon Financial Corporation leads on 12 and Northwest Bancshares, Inc. on 8.

Valuation

Metric BBT NWBI Banks Regional median
P/E 15.44 14.58 12.15
P/S 1.97 2.38 2.37
P/B 0.93 1.16 1.21
Price to free cash flow 10.95 16.28 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.70 3.03 2.27
Earnings yield 6.48% 6.86% 8.11%
Free cash flow yield 9.14% 6.14% 8.98%

Profitability

Metric BBT NWBI Banks Regional median
Gross margin 66.78% 74.85% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 13.32% 16.26% 18.66%
Free cash flow margin 18.00% 14.63% 21.18%
Return on equity 8.49% 8.57% 10.64%
Return on assets 0.93% 0.97% 1.13%
Return on invested capital 8.28% 4.91% 8.33%

Growth

Metric BBT NWBI Banks Regional median
Revenue growth (TTM) 76.38% 14.55% 6.61%
EPS growth (last fiscal year) 33.85% 16.46% —
Revenue growth, 5-year CAGR 13.14% 9.19% 12.30%
Net income growth, 5-year CAGR 0.00% 10.97% 9.71%

Health

Metric BBT NWBI Banks Regional median
Debt to equity 0.35 0.44 0.22
Current ratio 1.00 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT NWBI Banks Regional median
Dividend yield 3.22% 6.81% 3.75%
Payout ratio 0.29 0.74 0.27

Size

Metric BBT NWBI Banks Regional median
Market cap 2.35b 2.22b 921.07m

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