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FB Financial Corporation (FBK) vs First Bancorp (FBNC)

FB Financial Corporation and First Bancorp are both Banks Regional companies. FB Financial Corporation and First Bancorp are of similar size ($2.5B and $2.5B). FB Financial Corporation trades at the lower P/E: 11.4× against 18.7×. FB Financial Corporation grew revenue faster over the last twelve months: 25.5% against 4.32%. First Bancorp has the higher net margin (23.1% vs 22.6%) and the lower return on invested capital (8.32% vs 20.5%). Both pay a dividend; FB Financial Corporation yields more (1.59% vs 1.57%). Across the 19 metrics below, FB Financial Corporation leads on 12 and First Bancorp on 7.

Valuation

Metric FBK FBNC Banks Regional median
P/E 11.41 18.75 11.98
P/S 2.49 4.33 2.34
P/B 1.33 1.45 1.19
Price to free cash flow 12.67 10.61 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.76% 5.33% 8.23%
Free cash flow yield 7.89% 9.42% 9.08%

Profitability

Metric FBK FBNC Banks Regional median
Gross margin 67.87% 73.64% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.62% 23.08% 18.66%
Free cash flow margin 0.00% 40.76% 21.11%
Return on equity 11.93% 8.11% 10.65%
Return on assets 1.40% 1.03% 1.13%
Return on invested capital 20.48% 8.32% 8.35%

Growth

Metric FBK FBNC Banks Regional median
Revenue growth (TTM) 25.48% 4.32% 6.98%
EPS growth (last fiscal year) (0.81%) 45.65% 18.88%
Revenue growth, 5-year CAGR 7.32% 11.48% 12.38%
Net income growth, 5-year CAGR 14.02% 6.37% 9.71%

Health

Metric FBK FBNC Banks Regional median
Debt to equity 0.00 0.04 0.22
Current ratio 0.95 0.85 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBK FBNC Banks Regional median
Dividend yield 1.59% 1.57% 2.57%
Payout ratio 0.18 0.30 0.30

Size

Metric FBK FBNC Banks Regional median
Market cap 2.49b 2.50b 913.33m

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