Banco Bilbao Viscaya Argentaria S.A. (BBVA) vs Bank of N.T. Butterfield & Son Limited (The) (NTB)

Banco Bilbao Viscaya Argentaria S.A. and Bank of N.T. Butterfield & Son Limited (The) are both Banks Diversified companies. Banco Bilbao Viscaya Argentaria S.A. is the larger, with a market value of $139.2B against $2.2B — 64.8× the size. Bank of N.T. Butterfield & Son Limited (The) trades at the lower P/E: 9.3× against 10.9×. Banco Bilbao Viscaya Argentaria S.A. grew revenue faster over the last twelve months: 20.8% against −0.39%. Bank of N.T. Butterfield & Son Limited (The) has the higher net margin (29.2% vs 26.8%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; Banco Bilbao Viscaya Argentaria S.A. yields more (4.37% vs 3.66%). Across the 17 metrics below, Bank of N.T. Butterfield & Son Limited (The) leads on 9 and Banco Bilbao Viscaya Argentaria S.A. on 8.

Valuation

Metric BBVA NTB Banks Diversified median
P/E 10.91 9.28 11.69
P/S 3.05 2.68 2.57
P/B 2.06 1.93 1.53
Price to free cash flow 7.78 9.65 8.83
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.16% 10.78% 8.55%
Free cash flow yield 12.86% 10.36% 7.95%

Profitability

Metric BBVA NTB Banks Diversified median
Gross margin 100.00% 79.27% 67.14%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.81% 29.20% 18.44%
Free cash flow margin 39.21% 27.86% 0.00%
Return on equity 18.09% 21.07% 11.03%
Return on assets 1.25% 1.65% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric BBVA NTB Banks Diversified median
Revenue growth (TTM) 20.78% (0.39%) 5.49%
EPS growth (last fiscal year) 9.34% 16.14% 19.95%
Revenue growth, 5-year CAGR 9.75% 8.27% 14.34%
Net income growth, 5-year CAGR 50.32% 9.52% 10.77%

Health

Metric BBVA NTB Banks Diversified median
Debt to equity 0.00 0.00 1.10
Current ratio 0.24 0.62 0.89
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBVA NTB Banks Diversified median
Dividend yield 4.37% 3.66% 2.29%
Payout ratio 0.48 0.35 0.27

Size

Metric BBVA NTB Banks Diversified median
Market cap 139.24b 2.15b 155.56b

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