Eagle Bancorp, Inc. (EGBN) vs First Financial Corporation Indiana (THFF)

Eagle Bancorp, Inc. and First Financial Corporation Indiana are both Banks Regional companies. Eagle Bancorp, Inc. and First Financial Corporation Indiana are of similar size ($876.8M and $854.2M). Eagle Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; First Financial Corporation Indiana trades at 10.4×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 8.15% against −11.5%. First Financial Corporation Indiana has the higher net margin (23.3% vs −8.11%) and the higher return on invested capital (7.53% vs −6.83%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 0.14%). Across the 18 metrics below, First Financial Corporation Indiana leads on 15 and Eagle Bancorp, Inc. on 3.

Valuation

Metric EGBN THFF Banks Regional median
P/E n/m 10.38 11.98
P/S 1.45 2.42 2.34
P/B 0.75 1.30 1.19
Price to free cash flow 16.31 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (5.64%) 9.64% 8.23%
Free cash flow yield 6.13% 10.55% 9.08%

Profitability

Metric EGBN THFF Banks Regional median
Gross margin 50.46% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (8.11%) 23.32% 18.66%
Free cash flow margin 8.87% 25.60% 21.11%
Return on equity (4.14%) 13.42% 10.65%
Return on assets (0.48%) 1.44% 1.13%
Return on invested capital (6.83%) 7.53% 8.35%

Growth

Metric EGBN THFF Banks Regional median
Revenue growth (TTM) (11.50%) 8.15% 6.98%
EPS growth (last fiscal year) (169.87%) 67.00% 18.88%
Revenue growth, 5-year CAGR 7.78% 11.36% 12.38%
Net income growth, 5-year CAGR 0.00% 8.03% 9.71%

Health

Metric EGBN THFF Banks Regional median
Debt to equity 0.07 0.43 0.22
Current ratio 0.87 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EGBN THFF Banks Regional median
Dividend yield 0.14% 3.02% 2.57%
Payout ratio — 0.31 0.30

Size

Metric EGBN THFF Banks Regional median
Market cap 854.17m 876.79m 913.33m

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