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First Financial Bancorp. (FFBC) vs Mechanics Bancorp (MCHB)

First Financial Bancorp. and Mechanics Bancorp are both Banks Regional companies. First Financial Bancorp. and Mechanics Bancorp are of similar size ($3.4B and $3.4B). First Financial Bancorp. trades at the lower P/E: 11.3× against 11.9×. Mechanics Bancorp grew revenue faster over the last twelve months: 55.0% against 13.2%. Mechanics Bancorp has the higher net margin (24.0% vs 20.8%) and the higher return on invested capital (11.0% vs 7.45%). Across the 18 metrics below, Mechanics Bancorp leads on 12 and First Financial Bancorp. on 6.

Valuation

Metric FFBC MCHB Banks Regional median
P/E 11.26 11.89 12.02
P/S 2.39 2.77 2.36
P/B 1.17 1.16 1.23
Price to free cash flow 4.63 19.42 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.88% 8.41% 8.21%
Free cash flow yield 21.62% 5.15% 9.23%

Profitability

Metric FFBC MCHB Banks Regional median
Gross margin 74.03% 78.13% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.79% 23.98% 18.82%
Free cash flow margin 0.00% 16.01% 17.97%
Return on equity 10.68% 17.61% 10.28%
Return on assets 1.44% 1.94% 1.13%
Return on invested capital 7.45% 10.95% 8.45%

Growth

Metric FFBC MCHB Banks Regional median
Revenue growth (TTM) 13.23% 55.04% 6.37%
EPS growth (last fiscal year) 10.83% 115.95% 18.85%
Revenue growth, 5-year CAGR 12.02% 20.85% 12.65%
Net income growth, 5-year CAGR 10.41% 27.14% 9.81%

Health

Metric FFBC MCHB Banks Regional median
Debt to equity 0.33 0.05 0.17
Current ratio 0.85 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFBC MCHB Banks Regional median
Dividend yield 3.10% — 2.49%
Payout ratio 0.35 — 0.29

Size

Metric FFBC MCHB Banks Regional median
Market cap 3.42b 3.39b 934.85m

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