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Columbia Financial (CLBK) vs Inter & Co. Inc. (INTR)

Columbia Financial and Inter & Co. Inc. are both Banks Regional companies. Columbia Financial and Inter & Co. Inc. are of similar size ($3.0B and $2.9B). Inter & Co. Inc. trades at the lower P/E: 10.2× against 31.5×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 12.4%. Columbia Financial has the higher net margin (11.2% vs 9.22%) and the higher return on invested capital (3.82% vs 0.00%). Both pay a dividend; Inter & Co. Inc. yields more (1.68% vs 0.47%). Across the 17 metrics below, Inter & Co. Inc. leads on 11 and Columbia Financial on 6.

Valuation

Metric CLBK INTR Banks Regional median
P/E 31.53 10.21 11.98
P/S 2.08 0.95 2.34
P/B 0.90 1.41 1.19
Price to free cash flow 15.74 12.92 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 3.17% 9.79% 8.23%
Free cash flow yield 6.35% 7.74% 9.08%

Profitability

Metric CLBK INTR Banks Regional median
Gross margin 53.31% 58.20% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.19% 9.22% 18.66%
Free cash flow margin 13.23% 7.36% 21.11%
Return on equity 5.02% 15.36% 10.65%
Return on assets 0.51% 1.64% 1.13%
Return on invested capital 3.82% 0.00% 8.35%

Growth

Metric CLBK INTR Banks Regional median
Revenue growth (TTM) 12.41% 52.59% 6.98%
EPS growth (last fiscal year) 563.60% 39.47% 18.88%
Revenue growth, 5-year CAGR 9.21% — 12.38%
Net income growth, 5-year CAGR (2.11%) — 9.71%

Health

Metric CLBK INTR Banks Regional median
Debt to equity 1.02 0.08 0.22
Current ratio 0.98 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CLBK INTR Banks Regional median
Dividend yield 0.47% 1.68% 2.57%
Payout ratio 0.15 0.17 0.30

Size

Metric CLBK INTR Banks Regional median
Market cap 2.92b 2.97b 913.33m

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