First Financial Bankshares, Inc. (FFIN) vs TFS Financial Corporation (TFSL)

First Financial Bankshares, Inc. and TFS Financial Corporation are both Banks Regional companies. First Financial Bankshares, Inc. and TFS Financial Corporation are of similar size ($4.7B and $4.6B). First Financial Bankshares, Inc. trades at the lower P/E: 17.3× against 46.4×. First Financial Bankshares, Inc. grew revenue faster over the last twelve months: 9.46% against 5.93%. First Financial Bankshares, Inc. has the higher net margin (31.0% vs 12.2%) and the higher return on invested capital (14.5% vs 1.12%). Both pay a dividend; TFS Financial Corporation yields more (8.63% vs 2.39%). Across the 20 metrics below, First Financial Bankshares, Inc. leads on 17 and TFS Financial Corporation on 3.

Valuation

Metric FFIN TFSL Banks Regional median
P/E 17.26 46.44 12.15
P/S 5.36 5.64 2.37
P/B 2.33 2.38 1.21
Price to free cash flow 14.20 54.04 10.80
EV/EBITDA n/m n/m —
EV/Sales 4.69 11.99 2.27
Earnings yield 5.79% 2.15% 8.11%
Free cash flow yield 7.04% 1.85% 8.98%

Profitability

Metric FFIN TFSL Banks Regional median
Gross margin 76.77% 41.62% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 31.03% 12.17% 18.66%
Free cash flow margin 37.76% 10.45% 21.18%
Return on equity 14.41% 5.23% 10.64%
Return on assets 1.81% 0.57% 1.13%
Return on invested capital 14.47% 1.12% 8.33%

Growth

Metric FFIN TFSL Banks Regional median
Revenue growth (TTM) 9.46% 5.93% 6.61%
EPS growth (last fiscal year) 13.46% 14.29% —
Revenue growth, 5-year CAGR 10.57% 9.26% 12.30%
Net income growth, 5-year CAGR 4.65% 1.83% 9.71%

Health

Metric FFIN TFSL Banks Regional median
Debt to equity 0.00 2.97 0.22
Current ratio 0.67 1.67 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFIN TFSL Banks Regional median
Dividend yield 2.39% 8.63% 3.75%
Payout ratio 0.45 3.90 0.27

Size

Metric FFIN TFSL Banks Regional median
Market cap 4.61b 4.69b 921.07m

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