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Screener Weekly Summary Pricing

First Financial Bancorp. (FFBC) vs Towne Bank (TOWN)

First Financial Bancorp. and Towne Bank are both Banks Regional companies. First Financial Bancorp. and Towne Bank are of similar size ($3.4B and $3.3B). Towne Bank trades at the lower P/E: 10.2× against 11.3×. Towne Bank grew revenue faster over the last twelve months: 36.6% against 11.7%. Towne Bank has the higher net margin (22.3% vs 20.8%) and the higher return on invested capital (19.6% vs 7.09%). Both pay a dividend; First Financial Bancorp. yields more (4.22% vs 3.78%). Across the 20 metrics below, Towne Bank leads on 13 and First Financial Bancorp. on 7.

Valuation

Metric FFBC TOWN Banks Regional median
P/E 11.29 10.16 12.15
P/S 2.45 2.34 2.37
P/B 1.13 1.12 1.21
Price to free cash flow 4.60 25.31 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.57 1.16 2.27
Earnings yield 8.86% 9.85% 8.11%
Free cash flow yield 21.73% 3.95% 8.98%

Profitability

Metric FFBC TOWN Banks Regional median
Gross margin 73.45% 79.29% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.77% 22.33% 18.66%
Free cash flow margin 53.30% 9.26% 21.18%
Return on equity 10.29% 12.18% 10.64%
Return on assets 1.39% 1.56% 1.13%
Return on invested capital 7.09% 19.56% 8.33%

Growth

Metric FFBC TOWN Banks Regional median
Revenue growth (TTM) 11.65% 36.61% 6.61%
EPS growth (last fiscal year) 10.83% 2.79% —
Revenue growth, 5-year CAGR 12.02% 8.48% 12.30%
Net income growth, 5-year CAGR 10.41% 3.10% 9.71%

Health

Metric FFBC TOWN Banks Regional median
Debt to equity 0.32 0.04 0.22
Current ratio 0.85 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFBC TOWN Banks Regional median
Dividend yield 4.22% 3.78% 3.75%
Payout ratio 0.33 0.39 0.27

Size

Metric FFBC TOWN Banks Regional median
Market cap 3.33b 3.36b 921.07m

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