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First Financial Bancorp. (FFBC) vs WesBanco, Inc. (WSBC)

First Financial Bancorp. and WesBanco, Inc. are both Banks Regional companies. First Financial Bancorp. and WesBanco, Inc. are of similar size ($3.6B and $3.3B). WesBanco, Inc. trades at the lower P/E: 10.8× against 11.0×. WesBanco, Inc. grew revenue faster over the last twelve months: 31.3% against 11.7%. WesBanco, Inc. has the higher net margin (21.8% vs 20.8%) and the lower return on invested capital (5.95% vs 7.09%). Both pay a dividend; WesBanco, Inc. yields more (4.08% vs 3.21%). Across the 19 metrics below, WesBanco, Inc. leads on 10 and First Financial Bancorp. on 9.

Valuation

Metric FFBC WSBC Banks Regional median
P/E 10.97 10.79 11.98
P/S 2.38 2.34 2.34
P/B 1.10 0.92 1.19
Price to free cash flow 4.47 9.08 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.12% 9.27% 8.23%
Free cash flow yield 22.37% 11.01% 9.08%

Profitability

Metric FFBC WSBC Banks Regional median
Gross margin 73.45% 69.54% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.77% 21.78% 18.66%
Free cash flow margin 53.30% 25.81% 21.11%
Return on equity 10.29% 8.78% 10.65%
Return on assets 1.39% 1.20% 1.13%
Return on invested capital 7.09% 5.95% 8.35%

Growth

Metric FFBC WSBC Banks Regional median
Revenue growth (TTM) 11.65% 31.26% 6.98%
EPS growth (last fiscal year) 10.83% (1.33%) 18.88%
Revenue growth, 5-year CAGR 12.02% 16.53% 12.38%
Net income growth, 5-year CAGR 10.41% 11.15% 9.71%

Health

Metric FFBC WSBC Banks Regional median
Debt to equity 0.32 0.40 0.22
Current ratio 0.85 0.94 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFBC WSBC Banks Regional median
Dividend yield 3.21% 4.08% 2.57%
Payout ratio 0.36 0.44 0.30

Size

Metric FFBC WSBC Banks Regional median
Market cap 3.30b 3.55b 913.33m

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