Eastern Bankshares, Inc. (EBC) vs Bank OZK (OZK)

Eastern Bankshares, Inc. and Bank OZK are both Banks Regional companies. Eastern Bankshares, Inc. and Bank OZK are of similar size ($5.6B and $5.2B). Bank OZK trades at the lower P/E: 8.6× against 13.1×. Eastern Bankshares, Inc. grew revenue faster over the last twelve months: 61.0% against −2.26%. Bank OZK has the higher net margin (24.1% vs 24.0%) and the higher return on invested capital (8.73% vs 7.66%). Both pay a dividend; Bank OZK yields more (3.71% vs 2.46%). Across the 18 metrics below, Bank OZK leads on 14 and Eastern Bankshares, Inc. on 4.

Valuation

Metric EBC OZK Banks Regional median
P/E 13.08 8.57 12.02
P/S 3.10 2.05 2.36
P/B 1.17 0.96 1.23
Price to free cash flow 12.75 7.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.64% 11.67% 8.21%
Free cash flow yield 7.84% 13.60% 9.23%

Profitability

Metric EBC OZK Banks Regional median
Gross margin 74.94% 63.22% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.04% 24.10% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 9.52% 11.40% 10.28%
Return on assets 1.33% 1.55% 1.13%
Return on invested capital 7.66% 8.73% 8.45%

Growth

Metric EBC OZK Banks Regional median
Revenue growth (TTM) 61.04% (2.26%) 6.37%
EPS growth (last fiscal year) (34.85%) 0.65% 18.85%
Revenue growth, 5-year CAGR 12.33% 18.81% 12.65%
Net income growth, 5-year CAGR 31.15% 19.09% 9.81%

Health

Metric EBC OZK Banks Regional median
Debt to equity 0.00 0.20 0.17
Current ratio 0.89 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBC OZK Banks Regional median
Dividend yield 2.46% 3.71% 2.49%
Payout ratio 0.32 0.32 0.29

Size

Metric EBC OZK Banks Regional median
Market cap 5.19b 5.58b 934.85m

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