CPB Inc. (CPF) vs First Financial Corporation Indiana (THFF)

CPB Inc. and First Financial Corporation Indiana are both Banks Regional companies. CPB Inc. and First Financial Corporation Indiana are of similar size ($977.8M and $910.8M). First Financial Corporation Indiana trades at the lower P/E: 9.9× against 11.5×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 9.70% against 4.12%. First Financial Corporation Indiana has the higher net margin (24.5% vs 23.7%) and the lower return on invested capital (7.69% vs 23.5%). Both pay a dividend; CPB Inc. yields more (3.01% vs 2.93%). Across the 19 metrics below, First Financial Corporation Indiana leads on 11 and CPB Inc. on 8.

Valuation

Metric CPF THFF Banks Regional median
P/E 11.52 9.94 12.02
P/S 2.68 2.43 2.36
P/B 1.70 1.38 1.23
Price to free cash flow 9.44 8.91 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.68% 10.06% 8.21%
Free cash flow yield 10.59% 11.22% 9.23%

Profitability

Metric CPF THFF Banks Regional median
Gross margin 82.46% 76.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.69% 24.45% 18.82%
Free cash flow margin 28.43% 27.32% 17.97%
Return on equity 14.91% 14.26% 10.28%
Return on assets 1.17% 1.56% 1.13%
Return on invested capital 23.48% 7.69% 8.45%

Growth

Metric CPF THFF Banks Regional median
Revenue growth (TTM) 4.12% 9.70% 6.37%
EPS growth (last fiscal year) 45.18% 67.00% 18.85%
Revenue growth, 5-year CAGR 7.27% 11.36% 12.65%
Net income growth, 5-year CAGR 15.76% 8.03% 9.81%

Health

Metric CPF THFF Banks Regional median
Debt to equity 0.13 0.40 0.17
Current ratio 0.85 0.00 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CPF THFF Banks Regional median
Dividend yield 3.01% 2.93% 2.49%
Payout ratio 0.35 0.29 0.29

Size

Metric CPF THFF Banks Regional median
Market cap 977.80m 910.80m 934.85m

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