First Financial Bankshares, Inc. (FFIN) vs Bank OZK (OZK)

First Financial Bankshares, Inc. and Bank OZK are both Banks Regional companies. Bank OZK is the larger, with a market value of $5.1B against $4.6B — 1.1× the size. Bank OZK trades at the lower P/E: 7.7× against 17.3×. First Financial Bankshares, Inc. grew revenue faster over the last twelve months: 9.46% against −0.40%. First Financial Bankshares, Inc. has the higher net margin (31.0% vs 24.4%) and the higher return on invested capital (14.5% vs 10.8%). Both pay a dividend; Bank OZK yields more (3.56% vs 2.39%). Across the 20 metrics below, Bank OZK leads on 11 and First Financial Bankshares, Inc. on 9.

Valuation

Metric FFIN OZK Banks Regional median
P/E 17.26 7.72 12.15
P/S 5.36 1.87 2.37
P/B 2.33 0.87 1.21
Price to free cash flow 14.20 6.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.69 1.47 2.27
Earnings yield 5.79% 12.95% 8.11%
Free cash flow yield 7.04% 14.75% 8.98%

Profitability

Metric FFIN OZK Banks Regional median
Gross margin 76.77% 62.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 31.03% 24.37% 18.66%
Free cash flow margin 37.76% 27.52% 21.18%
Return on equity 14.41% 11.72% 10.64%
Return on assets 1.81% 1.62% 1.13%
Return on invested capital 14.47% 10.80% 8.33%

Growth

Metric FFIN OZK Banks Regional median
Revenue growth (TTM) 9.46% (0.40%) 6.61%
EPS growth (last fiscal year) 13.46% 0.65% —
Revenue growth, 5-year CAGR 10.57% 18.81% 12.30%
Net income growth, 5-year CAGR 4.65% 19.09% 9.71%

Health

Metric FFIN OZK Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 0.67 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFIN OZK Banks Regional median
Dividend yield 2.39% 3.56% 3.75%
Payout ratio 0.45 0.25 0.27

Size

Metric FFIN OZK Banks Regional median
Market cap 4.61b 5.09b 921.07m

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