First Community Bancshares, Inc. (FCBC) vs First Financial Corporation Indiana (THFF)

First Community Bancshares, Inc. and First Financial Corporation Indiana are both Banks Regional companies. First Community Bancshares, Inc. and First Financial Corporation Indiana are of similar size ($911.3M and $876.8M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 15.3×. First Community Bancshares, Inc. grew revenue faster over the last twelve months: 10.9% against 8.15%. First Community Bancshares, Inc. has the higher net margin (28.8% vs 23.3%) and the lower return on invested capital (0.00% vs 7.53%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 2.58%). Across the 19 metrics below, First Financial Corporation Indiana leads on 13 and First Community Bancshares, Inc. on 6.

Valuation

Metric FCBC THFF Banks Regional median
P/E 15.35 10.38 11.98
P/S 4.48 2.42 2.34
P/B 1.71 1.30 1.19
Price to free cash flow 20.89 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.52% 9.64% 8.23%
Free cash flow yield 4.79% 10.55% 9.08%

Profitability

Metric FCBC THFF Banks Regional median
Gross margin 91.46% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.84% 23.32% 18.66%
Free cash flow margin 21.46% 25.60% 21.11%
Return on equity 11.38% 13.42% 10.65%
Return on assets 1.75% 1.44% 1.13%
Return on invested capital 0.00% 7.53% 8.35%

Growth

Metric FCBC THFF Banks Regional median
Revenue growth (TTM) 10.93% 8.15% 6.98%
EPS growth (last fiscal year) (5.36%) 67.00% 18.88%
Revenue growth, 5-year CAGR 5.21% 11.36% 12.38%
Net income growth, 5-year CAGR 6.31% 8.03% 9.71%

Health

Metric FCBC THFF Banks Regional median
Debt to equity 0.00 0.43 0.22
Current ratio 1.00 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCBC THFF Banks Regional median
Dividend yield 2.58% 3.02% 2.57%
Payout ratio 0.40 0.31 0.30

Size

Metric FCBC THFF Banks Regional median
Market cap 911.29m 876.79m 913.33m

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