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 ($4.6B and $4.4B). First Financial Bankshares, Inc. trades at the lower P/E: 15.1× against 45.8×. First Financial Bankshares, Inc. grew revenue faster over the last twelve months: 7.86% against 5.93%. First Financial Bankshares, Inc. has the higher net margin (33.2% vs 12.2%) and the higher return on invested capital (16.4% vs 1.12%). Both pay a dividend; TFS Financial Corporation yields more (7.07% vs 2.67%). Across the 19 metrics below, First Financial Bankshares, Inc. leads on 15 and TFS Financial Corporation on 4.

Valuation

Metric FFIN TFSL Banks Regional median
P/E 15.13 45.75 12.02
P/S 5.02 5.56 2.36
P/B 2.40 2.35 1.23
Price to free cash flow 13.19 53.23 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.61% 2.19% 8.21%
Free cash flow yield 7.58% 1.88% 9.23%

Profitability

Metric FFIN TFSL Banks Regional median
Gross margin 77.30% 41.62% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 33.16% 12.17% 18.82%
Free cash flow margin 40.24% 10.45% 17.97%
Return on equity 15.89% 5.23% 10.28%
Return on assets 1.94% 0.57% 1.13%
Return on invested capital 16.38% 1.12% 8.45%

Growth

Metric FFIN TFSL Banks Regional median
Revenue growth (TTM) 7.86% 5.93% 6.37%
EPS growth (last fiscal year) 13.46% 14.29% 18.85%
Revenue growth, 5-year CAGR 10.57% 9.26% 12.65%
Net income growth, 5-year CAGR 4.65% 1.83% 9.81%

Health

Metric FFIN TFSL Banks Regional median
Debt to equity 0.00 2.97 0.17
Current ratio 0.67 1.67 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FFIN TFSL Banks Regional median
Dividend yield 2.67% 7.07% 2.49%
Payout ratio 0.40 3.24 0.29

Size

Metric FFIN TFSL Banks Regional median
Market cap 4.40b 4.61b 934.85m

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