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Macro Bank Inc. (BMA) vs First BanCorp. (FBP)

Macro Bank Inc. and First BanCorp. are both Banks Regional companies. Macro Bank Inc. and First BanCorp. are of similar size ($3.9B and $3.6B). First BanCorp. trades at the lower P/E: 10.8× against 12.2×. Macro Bank Inc. grew revenue faster over the last twelve months: 13.9% against 2.93%. First BanCorp. has the higher net margin (28.7% vs 6.18%) and the higher return on invested capital (17.7% vs 8.33%). Both pay a dividend; Macro Bank Inc. yields more (6.57% vs 3.00%). Across the 18 metrics below, First BanCorp. leads on 10 and Macro Bank Inc. on 8.

Valuation

Metric BMA FBP Banks Regional median
P/E 12.17 10.83 12.02
P/S 0.77 3.06 2.36
P/B 0.85 2.09 1.23
Price to free cash flow 3.26 8.88 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.22% 9.24% 8.21%
Free cash flow yield 30.65% 11.26% 9.23%

Profitability

Metric BMA FBP Banks Regional median
Gross margin 67.78% 81.06% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.18% 28.67% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 7.08% 19.41% 10.28%
Return on assets 1.73% 1.91% 1.13%
Return on invested capital 8.33% 17.71% 8.45%

Growth

Metric BMA FBP Banks Regional median
Revenue growth (TTM) 13.93% 2.93% 6.37%
EPS growth (last fiscal year) (35.21%) 18.78% 18.85%
Revenue growth, 5-year CAGR 10.36% 9.31% 12.65%
Net income growth, 5-year CAGR (9.01%) 28.20% 9.81%

Health

Metric BMA FBP Banks Regional median
Debt to equity 0.26 0.11 0.17
Current ratio 1.10 0.80 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BMA FBP Banks Regional median
Dividend yield 6.57% 3.00% 2.49%
Payout ratio 0.80 0.33 0.29

Size

Metric BMA FBP Banks Regional median
Market cap 3.64b 3.91b 934.85m

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