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First Commonwealth Financial Corporation (FCF) vs Happen Inc. (HAPN)

First Commonwealth Financial Corporation and Happen Inc. are both Banks Regional companies. First Commonwealth Financial Corporation and Happen Inc. are of similar size ($2.0B and $1.9B). Happen Inc. trades at the lower P/E: 8.9× against 12.8×. Happen Inc. grew revenue faster over the last twelve months: 8.20% against 4.13%. First Commonwealth Financial Corporation has the higher net margin (23.1% vs 15.0%) and the lower return on invested capital (8.93% vs 21.1%). Across the 17 metrics below, Happen Inc. leads on 12 and First Commonwealth Financial Corporation on 5.

Valuation

Metric FCF HAPN Banks Regional median
P/E 12.85 8.87 12.02
P/S 2.86 1.33 2.36
P/B 1.36 1.17 1.23
Price to free cash flow 11.95 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.78% 11.27% 8.21%
Free cash flow yield 8.37% (153.82%) 9.23%

Profitability

Metric FCF HAPN Banks Regional median
Gross margin 74.28% 74.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.06% 15.02% 18.82%
Free cash flow margin 0.00% (204.98%) 17.97%
Return on equity 0.00% 13.78% 10.28%
Return on assets 1.40% 1.73% 1.13%
Return on invested capital 8.93% 21.08% 8.45%

Growth

Metric FCF HAPN Banks Regional median
Revenue growth (TTM) 4.13% 8.20% 6.37%
EPS growth (last fiscal year) 5.76% 157.78% 18.85%
Revenue growth, 5-year CAGR 13.02% 23.29% 12.65%
Net income growth, 5-year CAGR 15.70% 0.00% 9.81%

Health

Metric FCF HAPN Banks Regional median
Debt to equity 0.08 0.00 0.17
Current ratio 0.92 0.75 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCF HAPN Banks Regional median
Dividend yield 3.27% — 2.49%
Payout ratio 0.41 — 0.29

Size

Metric FCF HAPN Banks Regional median
Market cap 2.04b 1.86b 934.85m

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