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First Bancorp (FBNC) vs Trustmark Corporation (TRMK)

First Bancorp and Trustmark Corporation are both Banks Regional companies. First Bancorp and Trustmark Corporation are of similar size ($2.6B and $2.5B). Trustmark Corporation trades at the lower P/E: 11.4× against 18.7×. First Bancorp grew revenue faster over the last twelve months: 4.32% against −0.11%. First Bancorp has the higher net margin (23.1% vs 21.0%) and the lower return on invested capital (8.32% vs 10.5%). Both pay a dividend; Trustmark Corporation yields more (2.21% vs 1.57%). Across the 19 metrics below, Trustmark Corporation leads on 10 and First Bancorp on 9.

Valuation

Metric FBNC TRMK Banks Regional median
P/E 18.75 11.35 11.98
P/S 4.33 2.35 2.34
P/B 1.45 1.22 1.19
Price to free cash flow 10.61 14.56 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.33% 8.81% 8.23%
Free cash flow yield 9.42% 6.87% 9.08%

Profitability

Metric FBNC TRMK Banks Regional median
Gross margin 73.64% 73.15% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.08% 20.96% 18.66%
Free cash flow margin 40.76% 16.11% 21.11%
Return on equity 8.11% 11.12% 10.65%
Return on assets 1.03% 1.24% 1.13%
Return on invested capital 8.32% 10.48% 8.35%

Growth

Metric FBNC TRMK Banks Regional median
Revenue growth (TTM) 4.32% (0.11%) 6.98%
EPS growth (last fiscal year) 45.65% 1.93% 18.88%
Revenue growth, 5-year CAGR 11.48% 8.41% 12.38%
Net income growth, 5-year CAGR 6.37% 6.97% 9.71%

Health

Metric FBNC TRMK Banks Regional median
Debt to equity 0.04 0.11 0.22
Current ratio 0.85 0.89 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBNC TRMK Banks Regional median
Dividend yield 1.57% 2.21% 2.57%
Payout ratio 0.30 0.25 0.30

Size

Metric FBNC TRMK Banks Regional median
Market cap 2.50b 2.61b 913.33m

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