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First Hawaiian, Inc. (FHB) vs Inter & Co. Inc. (INTR)

First Hawaiian, Inc. and Inter & Co. Inc. are both Banks Regional companies. First Hawaiian, Inc. and Inter & Co. Inc. are of similar size ($3.0B and $3.0B). Inter & Co. Inc. trades at the lower P/E: 10.2× against 10.8×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 1.57%. First Hawaiian, Inc. has the higher net margin (24.4% vs 9.22%) and the higher return on invested capital (12.8% vs 0.00%). Both pay a dividend; First Hawaiian, Inc. yields more (4.17% vs 1.68%). Across the 17 metrics below, First Hawaiian, Inc. leads on 9 and Inter & Co. Inc. on 8.

Valuation

Metric FHB INTR Banks Regional median
P/E 10.80 10.21 11.98
P/S 2.60 0.95 2.34
P/B 1.07 1.41 1.19
Price to free cash flow 9.71 12.92 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.26% 9.79% 8.23%
Free cash flow yield 10.30% 7.74% 9.08%

Profitability

Metric FHB INTR Banks Regional median
Gross margin 77.44% 58.20% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.41% 9.22% 18.66%
Free cash flow margin 26.79% 7.36% 21.11%
Return on equity 10.32% 15.36% 10.65%
Return on assets 1.20% 1.64% 1.13%
Return on invested capital 12.82% 0.00% 8.35%

Growth

Metric FHB INTR Banks Regional median
Revenue growth (TTM) 1.57% 52.59% 6.98%
EPS growth (last fiscal year) 22.91% 39.47% 18.88%
Revenue growth, 5-year CAGR 8.41% — 12.38%
Net income growth, 5-year CAGR 8.26% — 9.71%

Health

Metric FHB INTR Banks Regional median
Debt to equity 0.00 0.08 0.22
Current ratio 0.77 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FHB INTR Banks Regional median
Dividend yield 4.17% 1.68% 2.57%
Payout ratio 0.45 0.17 0.30

Size

Metric FHB INTR Banks Regional median
Market cap 3.03b 2.97b 913.33m

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