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 ($5.1B and $4.9B). Bank OZK trades at the lower P/E: 7.7× against 12.2×. Eastern Bankshares, Inc. grew revenue faster over the last twelve months: 56.0% against −0.40%. Eastern Bankshares, Inc. has the higher net margin (25.1% vs 24.4%) and the lower return on invested capital (5.72% vs 10.8%). Both pay a dividend; Bank OZK yields more (3.56% vs 3.27%). Across the 20 metrics below, Bank OZK leads on 16 and Eastern Bankshares, Inc. on 4.

Valuation

Metric EBC OZK Banks Regional median
P/E 12.19 7.72 12.15
P/S 3.13 1.87 2.37
P/B 1.09 0.87 1.21
Price to free cash flow 12.15 6.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.20 1.47 2.27
Earnings yield 8.20% 12.95% 8.11%
Free cash flow yield 8.23% 14.75% 8.98%

Profitability

Metric EBC OZK Banks Regional median
Gross margin 74.99% 62.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.12% 24.37% 18.66%
Free cash flow margin 25.74% 27.52% 21.18%
Return on equity 9.44% 11.72% 10.64%
Return on assets 1.33% 1.62% 1.13%
Return on invested capital 5.72% 10.80% 8.33%

Growth

Metric EBC OZK Banks Regional median
Revenue growth (TTM) 56.04% (0.40%) 6.61%
EPS growth (last fiscal year) (34.85%) 0.65% —
Revenue growth, 5-year CAGR 12.33% 18.81% 12.30%
Net income growth, 5-year CAGR 31.15% 19.09% 9.71%

Health

Metric EBC OZK Banks Regional median
Debt to equity 0.09 0.07 0.22
Current ratio 0.90 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EBC OZK Banks Regional median
Dividend yield 3.27% 3.56% 3.75%
Payout ratio 0.33 0.25 0.27

Size

Metric EBC OZK Banks Regional median
Market cap 4.87b 5.09b 921.07m

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