Beacon Financial Corporation (BBT) vs Stock Yards Bancorp, Inc. (SYBT)

Beacon Financial Corporation and Stock Yards Bancorp, Inc. are both Banks Regional companies. Beacon Financial Corporation and Stock Yards Bancorp, Inc. are of similar size ($2.6B and $2.5B). Beacon Financial Corporation trades at the lower P/E: 11.4× against 15.2×. Beacon Financial Corporation grew revenue faster over the last twelve months: 74.5% against 9.69%. Stock Yards Bancorp, Inc. has the higher net margin (25.9% vs 17.4%) and the lower return on invested capital (0.00% vs 10.1%). Only Stock Yards Bancorp, Inc. pays a dividend (1.63%). Across the 19 metrics below, Stock Yards Bancorp, Inc. leads on 10 and Beacon Financial Corporation on 9.

Valuation

Metric BBT SYBT Banks Regional median
P/E 11.38 15.18 12.02
P/S 1.98 4.06 2.36
P/B 1.02 1.94 1.23
Price to free cash flow 11.89 12.73 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.79% 6.59% 8.21%
Free cash flow yield 8.41% 7.85% 9.23%

Profitability

Metric BBT SYBT Banks Regional median
Gross margin 67.84% 73.02% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.38% 25.89% 18.82%
Free cash flow margin 0.00% 33.85% 17.97%
Return on equity 9.13% 13.58% 10.28%
Return on assets 1.01% 1.60% 1.13%
Return on invested capital 10.05% 0.00% 8.45%

Growth

Metric BBT SYBT Banks Regional median
Revenue growth (TTM) 74.49% 9.69% 6.37%
EPS growth (last fiscal year) 33.85% 22.11% 18.85%
Revenue growth, 5-year CAGR 13.14% 23.09% 12.65%
Net income growth, 5-year CAGR 0.00% 18.94% 9.81%

Health

Metric BBT SYBT Banks Regional median
Debt to equity 0.31 0.22 0.17
Current ratio 0.98 1.01 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBT SYBT Banks Regional median
Dividend yield 0.00% 1.63% 2.49%
Payout ratio 0.00 0.25 0.29

Size

Metric BBT SYBT Banks Regional median
Market cap 2.57b 2.46b 934.85m

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