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First Community Bancshares, Inc. (FCBC) vs SmartFinancial, Inc. (SMBK)

First Community Bancshares, Inc. and SmartFinancial, Inc. are both Banks Regional companies. First Community Bancshares, Inc. and SmartFinancial, Inc. are of similar size ($911.3M and $861.9M). SmartFinancial, Inc. trades at the lower P/E: 14.9× against 15.3×. SmartFinancial, Inc. grew revenue faster over the last twelve months: 11.1% against 10.9%. First Community Bancshares, Inc. has the higher net margin (28.8% vs 17.1%) and the lower return on invested capital (0.00% vs 15.2%). Both pay a dividend; First Community Bancshares, Inc. yields more (2.58% vs 0.67%). Across the 19 metrics below, SmartFinancial, Inc. leads on 11 and First Community Bancshares, Inc. on 8.

Valuation

Metric FCBC SMBK Banks Regional median
P/E 15.35 14.87 11.98
P/S 4.48 2.55 2.34
P/B 1.71 1.48 1.19
Price to free cash flow 20.89 12.68 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.52% 6.73% 8.23%
Free cash flow yield 4.79% 7.89% 9.08%

Profitability

Metric FCBC SMBK Banks Regional median
Gross margin 91.46% 63.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.84% 17.12% 18.66%
Free cash flow margin 21.46% 20.12% 21.11%
Return on equity 11.38% 10.47% 10.65%
Return on assets 1.75% 0.99% 1.13%
Return on invested capital 0.00% 15.22% 8.35%

Growth

Metric FCBC SMBK Banks Regional median
Revenue growth (TTM) 10.93% 11.14% 6.98%
EPS growth (last fiscal year) (5.36%) 39.25% 18.88%
Revenue growth, 5-year CAGR 5.21% 19.21% 12.38%
Net income growth, 5-year CAGR 6.31% 15.65% 9.71%

Health

Metric FCBC SMBK Banks Regional median
Debt to equity 0.00 0.17 0.22
Current ratio 1.00 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCBC SMBK Banks Regional median
Dividend yield 2.58% 0.67% 2.57%
Payout ratio 0.40 0.10 0.30

Size

Metric FCBC SMBK Banks Regional median
Market cap 911.29m 861.93m 913.33m

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