Enterprise Financial Services Corporation (EFSC) vs The Bancorp, Inc. (TBBK)

Enterprise Financial Services Corporation and The Bancorp, Inc. are both Banks Regional companies. Enterprise Financial Services Corporation and The Bancorp, Inc. are of similar size ($2.2B and $2.0B). The Bancorp, Inc. trades at the lower P/E: 9.4× against 12.0×. Enterprise Financial Services Corporation grew revenue faster over the last twelve months: 7.96% against 1.28%. The Bancorp, Inc. has the higher net margin (27.7% vs 18.3%) and the higher return on invested capital (22.9% vs 7.88%). Across the 19 metrics below, The Bancorp, Inc. leads on 15 and Enterprise Financial Services Corporation on 4.

Valuation

Metric EFSC TBBK Banks Regional median
P/E 12.02 9.38 12.15
P/S 2.18 2.51 2.37
P/B 1.13 2.97 1.21
Price to free cash flow 10.45 9.02 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.31 2.67 2.27
Earnings yield 8.32% 10.66% 8.11%
Free cash flow yield 9.57% 11.09% 8.98%

Profitability

Metric EFSC TBBK Banks Regional median
Gross margin 75.39% 80.32% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.31% 27.72% 18.66%
Free cash flow margin 20.85% 27.78% 21.18%
Return on equity 9.77% 29.63% 10.64%
Return on assets 1.11% 2.57% 1.13%
Return on invested capital 7.88% 22.91% 8.33%

Growth

Metric EFSC TBBK Banks Regional median
Revenue growth (TTM) 7.96% 1.28% 6.61%
EPS growth (last fiscal year) 9.94% 14.69% —
Revenue growth, 5-year CAGR 22.76% 24.39% 12.30%
Net income growth, 5-year CAGR 21.58% 23.30% 9.71%

Health

Metric EFSC TBBK Banks Regional median
Debt to equity 0.33 0.30 0.22
Current ratio 0.85 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSC TBBK Banks Regional median
Dividend yield 2.63% — 3.75%
Payout ratio 0.17 0.00 0.27

Size

Metric EFSC TBBK Banks Regional median
Market cap 2.20b 2.04b 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack