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First Bancorp (FBNC) vs Stock Yards Bancorp, Inc. (SYBT)

First Bancorp and Stock Yards Bancorp, Inc. are both Banks Regional companies. First Bancorp and Stock Yards Bancorp, Inc. are of similar size ($2.5B and $2.4B). Stock Yards Bancorp, Inc. trades at the lower P/E: 15.2× against 18.7×. Stock Yards Bancorp, Inc. grew revenue faster over the last twelve months: 9.39% against 4.32%. Stock Yards Bancorp, Inc. has the higher net margin (25.4% vs 23.1%) and the higher return on invested capital (16.5% vs 8.32%). Both pay a dividend; Stock Yards Bancorp, Inc. yields more (1.68% vs 1.57%). Across the 19 metrics below, Stock Yards Bancorp, Inc. leads on 12 and First Bancorp on 7.

Valuation

Metric FBNC SYBT Banks Regional median
P/E 18.75 15.19 11.98
P/S 4.33 3.97 2.34
P/B 1.45 1.87 1.19
Price to free cash flow 10.61 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.33% 6.58% 8.23%
Free cash flow yield 9.42% 6.36% 9.08%

Profitability

Metric FBNC SYBT Banks Regional median
Gross margin 73.64% 71.98% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.08% 25.41% 18.66%
Free cash flow margin 40.76% 25.26% 21.11%
Return on equity 8.11% 13.28% 10.65%
Return on assets 1.03% 1.53% 1.13%
Return on invested capital 8.32% 16.50% 8.35%

Growth

Metric FBNC SYBT Banks Regional median
Revenue growth (TTM) 4.32% 9.39% 6.98%
EPS growth (last fiscal year) 45.65% 22.11% 18.88%
Revenue growth, 5-year CAGR 11.48% 23.09% 12.38%
Net income growth, 5-year CAGR 6.37% 18.94% 9.71%

Health

Metric FBNC SYBT Banks Regional median
Debt to equity 0.04 0.26 0.22
Current ratio 0.85 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBNC SYBT Banks Regional median
Dividend yield 1.57% 1.68% 2.57%
Payout ratio 0.30 0.26 0.30

Size

Metric FBNC SYBT Banks Regional median
Market cap 2.50b 2.38b 913.33m

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