Enterprise Financial Services Corporation (EFSC) vs Inter & Co. Inc. (INTR)

Enterprise Financial Services Corporation and Inter & Co. Inc. are both Banks Regional companies. Enterprise Financial Services Corporation and Inter & Co. Inc. are of similar size ($2.2B and $2.2B). Inter & Co. Inc. trades at the lower P/E: 7.7× against 12.0×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 7.96%. Enterprise Financial Services Corporation has the higher net margin (18.3% vs 9.22%) and the higher return on invested capital (7.88% vs 0.00%). Both pay a dividend; Enterprise Financial Services Corporation yields more (2.63% vs 0.34%). Across the 18 metrics below, Inter & Co. Inc. leads on 13 and Enterprise Financial Services Corporation on 5.

Valuation

Metric EFSC INTR Banks Regional median
P/E 12.02 7.74 12.15
P/S 2.18 0.72 2.37
P/B 1.13 1.07 1.21
Price to free cash flow 10.45 9.79 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.31 0.04 2.27
Earnings yield 8.32% 12.92% 8.11%
Free cash flow yield 9.57% 10.21% 8.98%

Profitability

Metric EFSC INTR Banks Regional median
Gross margin 75.39% 58.20% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.31% 9.22% 18.66%
Free cash flow margin 20.85% 7.36% 21.18%
Return on equity 9.77% 15.36% 10.64%
Return on assets 1.11% 1.64% 1.13%
Return on invested capital 7.88% 0.00% 8.33%

Growth

Metric EFSC INTR Banks Regional median
Revenue growth (TTM) 7.96% 52.59% 6.61%
EPS growth (last fiscal year) 9.94% 39.47% —
Revenue growth, 5-year CAGR 22.76% — 12.30%
Net income growth, 5-year CAGR 21.58% — 9.71%

Health

Metric EFSC INTR Banks Regional median
Debt to equity 0.33 0.08 0.22
Current ratio 0.85 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSC INTR Banks Regional median
Dividend yield 2.63% 0.34% 3.75%
Payout ratio 0.17 — 0.27

Size

Metric EFSC INTR Banks Regional median
Market cap 2.20b 2.23b 921.07m

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