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CPB Inc. (CPF) vs Horizon Bancorp (IN) (HBNC)

CPB Inc. and Horizon Bancorp (IN) are both Banks Regional companies. CPB Inc. and Horizon Bancorp (IN) are of similar size ($992.5M and $929.5M). Horizon Bancorp (IN) has negative trailing earnings, so its P/E is not meaningful; CPB Inc. trades at 11.6×. CPB Inc. grew revenue faster over the last twelve months: 5.10% against −74.2%. CPB Inc. has the higher net margin (22.5% vs −149.0%) and the higher return on invested capital (22.8% vs −17.9%). Both pay a dividend; Horizon Bancorp (IN) yields more (3.29% vs 3.18%). Across the 18 metrics below, CPB Inc. leads on 14 and Horizon Bancorp (IN) on 4.

Valuation

Metric CPF HBNC Banks Regional median
P/E 11.62 n/m 11.98
P/S 2.57 10.28 2.34
P/B 1.59 1.37 1.19
Price to free cash flow 9.69 10.57 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.61% (16.24%) 8.23%
Free cash flow yield 10.32% 9.46% 9.08%

Profitability

Metric CPF HBNC Banks Regional median
Gross margin 81.81% (13.47%) 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.52% (148.95%) 18.66%
Free cash flow margin 26.57% 97.31% 21.11%
Return on equity 14.25% (18.98%) 10.65%
Return on assets 1.12% (2.02%) 1.13%
Return on invested capital 22.80% (17.93%) 8.35%

Growth

Metric CPF HBNC Banks Regional median
Revenue growth (TTM) 5.10% (74.21%) 6.98%
EPS growth (last fiscal year) 45.18% (493.75%) 18.88%
Revenue growth, 5-year CAGR 7.27% (16.35%) 12.38%
Net income growth, 5-year CAGR 15.76% 0.00% 9.71%

Health

Metric CPF HBNC Banks Regional median
Debt to equity 0.13 0.22 0.22
Current ratio 0.84 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPF HBNC Banks Regional median
Dividend yield 3.18% 3.29% 2.57%
Payout ratio 0.37 — 0.30

Size

Metric CPF HBNC Banks Regional median
Market cap 929.49m 992.49m 913.33m

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