Pricing Log in Create free account

First BanCorp. (FBP) vs First Financial Bankshares, Inc. (FFIN)

First BanCorp. and First Financial Bankshares, Inc. are both Banks Regional companies. First BanCorp. and First Financial Bankshares, Inc. are of similar size ($4.5B and $4.2B). First BanCorp. trades at the lower P/E: 11.4× against 16.2×. First Financial Bankshares, Inc. grew revenue faster over the last twelve months: 9.46% against 2.66%. First Financial Bankshares, Inc. has the higher net margin (31.0% vs 29.2%) and the lower return on invested capital (14.5% vs 17.3%). Both pay a dividend; First BanCorp. yields more (2.85% vs 2.69%). Across the 19 metrics below, First BanCorp. leads on 14 and First Financial Bankshares, Inc. on 5.

Valuation

Metric FBP FFIN Banks Regional median
P/E 11.44 16.21 11.98
P/S 3.29 5.04 2.34
P/B 2.12 2.19 1.19
Price to free cash flow 9.50 13.34 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.74% 6.17% 8.23%
Free cash flow yield 10.53% 7.50% 9.08%

Profitability

Metric FBP FFIN Banks Regional median
Gross margin 80.79% 76.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.24% 31.03% 18.66%
Free cash flow margin 34.68% 37.76% 21.11%
Return on equity 19.49% 14.41% 10.65%
Return on assets 1.95% 1.81% 1.13%
Return on invested capital 17.33% 14.47% 8.35%

Growth

Metric FBP FFIN Banks Regional median
Revenue growth (TTM) 2.66% 9.46% 6.98%
EPS growth (last fiscal year) 18.78% 13.46% 18.88%
Revenue growth, 5-year CAGR 9.31% 10.57% 12.38%
Net income growth, 5-year CAGR 28.20% 4.65% 9.71%

Health

Metric FBP FFIN Banks Regional median
Debt to equity 0.10 0.00 0.22
Current ratio 0.80 0.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBP FFIN Banks Regional median
Dividend yield 2.85% 2.69% 2.57%
Payout ratio 0.33 0.44 0.30

Size

Metric FBP FFIN Banks Regional median
Market cap 4.15b 4.53b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack