City Holding Company (CHCO) vs Northwest Bancshares, Inc. (NWBI)

City Holding Company and Northwest Bancshares, Inc. are both Banks Regional companies. Northwest Bancshares, Inc. is the larger, with a market value of $2.2B against $2.0B — 1.1× the size. Northwest Bancshares, Inc. trades at the lower P/E: 14.2× against 15.5×. Northwest Bancshares, Inc. grew revenue faster over the last twelve months: 14.6% against 3.37%. City Holding Company has the higher net margin (32.8% vs 16.3%) and the higher return on invested capital (14.8% vs 4.91%). Both pay a dividend; Northwest Bancshares, Inc. yields more (5.36% vs 2.55%). Across the 19 metrics below, Northwest Bancshares, Inc. leads on 10 and City Holding Company on 9.

Valuation

Metric CHCO NWBI Banks Regional median
P/E 15.50 14.22 11.98
P/S 4.95 2.32 2.34
P/B 2.46 1.13 1.19
Price to free cash flow 14.24 15.87 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.45% 7.03% 8.23%
Free cash flow yield 7.02% 6.30% 9.08%

Profitability

Metric CHCO NWBI Banks Regional median
Gross margin 80.00% 74.85% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.75% 16.26% 18.66%
Free cash flow margin 34.74% 14.63% 21.11%
Return on equity 16.76% 8.57% 10.65%
Return on assets 1.97% 0.97% 1.13%
Return on invested capital 14.81% 4.91% 8.35%

Growth

Metric CHCO NWBI Banks Regional median
Revenue growth (TTM) 3.37% 14.55% 6.98%
EPS growth (last fiscal year) 13.18% 16.46% 18.88%
Revenue growth, 5-year CAGR 8.86% 9.19% 12.38%
Net income growth, 5-year CAGR 7.81% 10.97% 9.71%

Health

Metric CHCO NWBI Banks Regional median
Debt to equity 0.19 0.44 0.22
Current ratio 0.83 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHCO NWBI Banks Regional median
Dividend yield 2.55% 5.36% 2.57%
Payout ratio 0.40 0.78 0.30

Size

Metric CHCO NWBI Banks Regional median
Market cap 1.98b 2.18b 913.33m

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