First Commonwealth Financial Corporation (FCF) vs Inter & Co. Inc. (INTR)

First Commonwealth Financial Corporation and Inter & Co. Inc. are both Banks Regional companies. First Commonwealth Financial Corporation and Inter & Co. Inc. are of similar size ($2.2B and $2.1B). Inter & Co. Inc. trades at the lower P/E: 7.7× against 12.8×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 5.18%. First Commonwealth Financial Corporation has the higher net margin (22.6% vs 9.22%) and the higher return on invested capital (8.76% vs 0.00%). Both pay a dividend; First Commonwealth Financial Corporation yields more (4.04% vs 0.34%). Across the 18 metrics below, Inter & Co. Inc. leads on 12 and First Commonwealth Financial Corporation on 6.

Valuation

Metric FCF INTR Banks Regional median
P/E 12.79 7.74 12.15
P/S 2.85 0.72 2.37
P/B 1.35 1.07 1.21
Price to free cash flow 11.90 9.79 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.78 0.04 2.27
Earnings yield 7.82% 12.92% 8.11%
Free cash flow yield 8.40% 10.21% 8.98%

Profitability

Metric FCF INTR Banks Regional median
Gross margin 73.47% 58.20% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.62% 9.22% 18.66%
Free cash flow margin 23.97% 7.36% 21.18%
Return on equity 10.91% 15.36% 10.64%
Return on assets 1.38% 1.64% 1.13%
Return on invested capital 8.76% 0.00% 8.33%

Growth

Metric FCF INTR Banks Regional median
Revenue growth (TTM) 5.18% 52.59% 6.61%
EPS growth (last fiscal year) 5.76% 39.47% —
Revenue growth, 5-year CAGR 13.02% — 12.30%
Net income growth, 5-year CAGR 15.70% — 9.71%

Health

Metric FCF INTR Banks Regional median
Debt to equity 0.08 0.08 0.22
Current ratio 0.92 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FCF INTR Banks Regional median
Dividend yield 4.04% 0.34% 3.75%
Payout ratio 0.33 — 0.27

Size

Metric FCF INTR Banks Regional median
Market cap 2.12b 2.23b 921.07m

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