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First BanCorp. (FBP) vs ServisFirst Bancshares, Inc. (SFBS)

First BanCorp. and ServisFirst Bancshares, Inc. are both Banks Regional companies. First BanCorp. and ServisFirst Bancshares, Inc. are of similar size ($4.3B and $4.2B). First BanCorp. trades at the lower P/E: 11.4× against 13.4×. ServisFirst Bancshares, Inc. grew revenue faster over the last twelve months: 3.06% against 2.66%. ServisFirst Bancshares, Inc. has the higher net margin (30.9% vs 29.2%) and the higher return on invested capital (44.3% vs 17.3%). Both pay a dividend; First BanCorp. yields more (2.85% vs 1.93%). Across the 19 metrics below, ServisFirst Bancshares, Inc. leads on 10 and First BanCorp. on 9.

Valuation

Metric FBP SFBS Banks Regional median
P/E 11.44 13.41 11.98
P/S 3.29 4.15 2.34
P/B 2.12 2.18 1.19
Price to free cash flow 9.50 9.25 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.74% 7.46% 8.23%
Free cash flow yield 10.53% 10.81% 9.08%

Profitability

Metric FBP SFBS Banks Regional median
Gross margin 80.79% 60.41% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.24% 30.94% 18.66%
Free cash flow margin 34.68% 44.91% 21.11%
Return on equity 19.49% 17.33% 10.65%
Return on assets 1.95% 1.80% 1.13%
Return on invested capital 17.33% 44.30% 8.35%

Growth

Metric FBP SFBS Banks Regional median
Revenue growth (TTM) 2.66% 3.06% 6.98%
EPS growth (last fiscal year) 18.78% 21.63% 18.88%
Revenue growth, 5-year CAGR 9.31% 19.41% 12.38%
Net income growth, 5-year CAGR 28.20% 10.28% 9.71%

Health

Metric FBP SFBS Banks Regional median
Debt to equity 0.10 0.02 0.22
Current ratio 0.80 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FBP SFBS Banks Regional median
Dividend yield 2.85% 1.93% 2.57%
Payout ratio 0.33 0.26 0.30

Size

Metric FBP SFBS Banks Regional median
Market cap 4.15b 4.32b 913.33m

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