FB Financial Corporation (FBK) vs Stock Yards Bancorp, Inc. (SYBT)

FB Financial Corporation and Stock Yards Bancorp, Inc. are both Banks Regional companies. FB Financial Corporation and Stock Yards Bancorp, Inc. are of similar size ($2.5B and $2.4B). FB Financial Corporation trades at the lower P/E: 11.4× against 15.2×. FB Financial Corporation grew revenue faster over the last twelve months: 25.5% against 9.39%. Stock Yards Bancorp, Inc. has the higher net margin (25.4% vs 22.6%) and the lower return on invested capital (16.5% vs 20.5%). Both pay a dividend; Stock Yards Bancorp, Inc. yields more (1.68% vs 1.59%). Across the 19 metrics below, Stock Yards Bancorp, Inc. leads on 10 and FB Financial Corporation on 9.

Valuation

Metric FBK SYBT Banks Regional median
P/E 11.41 15.19 11.98
P/S 2.49 3.97 2.34
P/B 1.33 1.87 1.19
Price to free cash flow 12.67 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.76% 6.58% 8.23%
Free cash flow yield 7.89% 6.36% 9.08%

Profitability

Metric FBK SYBT Banks Regional median
Gross margin 67.87% 71.98% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.62% 25.41% 18.66%
Free cash flow margin 0.00% 25.26% 21.11%
Return on equity 11.93% 13.28% 10.65%
Return on assets 1.40% 1.53% 1.13%
Return on invested capital 20.48% 16.50% 8.35%

Growth

Metric FBK SYBT Banks Regional median
Revenue growth (TTM) 25.48% 9.39% 6.98%
EPS growth (last fiscal year) (0.81%) 22.11% 18.88%
Revenue growth, 5-year CAGR 7.32% 23.09% 12.38%
Net income growth, 5-year CAGR 14.02% 18.94% 9.71%

Health

Metric FBK SYBT Banks Regional median
Debt to equity 0.00 0.26 0.22
Current ratio 0.95 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBK SYBT Banks Regional median
Dividend yield 1.59% 1.68% 2.57%
Payout ratio 0.18 0.26 0.30

Size

Metric FBK SYBT Banks Regional median
Market cap 2.49b 2.38b 913.33m

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