Eagle Bancorp, Inc. (EGBN) vs South Plains Financial, Inc. (SPFI)

Eagle Bancorp, Inc. and South Plains Financial, Inc. are both Banks Regional companies. Eagle Bancorp, Inc. and South Plains Financial, Inc. are of similar size ($854.2M and $809.1M). Eagle Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; South Plains Financial, Inc. trades at 11.4×. South Plains Financial, Inc. grew revenue faster over the last twelve months: 6.59% against −11.5%. South Plains Financial, Inc. has the higher net margin (20.8% vs −8.11%) and the higher return on invested capital (0.00% vs −6.83%). Both pay a dividend; South Plains Financial, Inc. yields more (1.56% vs 0.14%). Across the 18 metrics below, South Plains Financial, Inc. leads on 14 and Eagle Bancorp, Inc. on 4.

Valuation

Metric EGBN SPFI Banks Regional median
P/E n/m 11.41 11.98
P/S 1.45 2.66 2.34
P/B 0.75 1.32 1.19
Price to free cash flow 16.31 11.02 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (5.64%) 8.76% 8.23%
Free cash flow yield 6.13% 9.08% 9.08%

Profitability

Metric EGBN SPFI Banks Regional median
Gross margin 50.46% 72.40% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (8.11%) 20.79% 18.66%
Free cash flow margin 8.87% 24.14% 21.11%
Return on equity (4.14%) 12.01% 10.65%
Return on assets (0.48%) 1.33% 1.13%
Return on invested capital (6.83%) 0.00% 8.35%

Growth

Metric EGBN SPFI Banks Regional median
Revenue growth (TTM) (11.50%) 6.59% 6.98%
EPS growth (last fiscal year) (169.87%) 17.81% 18.88%
Revenue growth, 5-year CAGR 7.78% 4.36% 12.38%
Net income growth, 5-year CAGR 0.00% 5.21% 9.71%

Health

Metric EGBN SPFI Banks Regional median
Debt to equity 0.07 0.10 0.22
Current ratio 0.87 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EGBN SPFI Banks Regional median
Dividend yield 0.14% 1.56% 2.57%
Payout ratio — 0.19 0.30

Size

Metric EGBN SPFI Banks Regional median
Market cap 854.17m 809.14m 913.33m

Compare with another peer

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