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First Hawaiian, Inc. (FHB) vs Mechanics Bancorp (MCHB)

First Hawaiian, Inc. and Mechanics Bancorp are both Banks Regional companies. Mechanics Bancorp is the larger, with a market value of $3.4B against $3.1B — 1.1× the size. First Hawaiian, Inc. trades at the lower P/E: 11.2× against 11.9×. Mechanics Bancorp grew revenue faster over the last twelve months: 55.0% against 1.11%. Mechanics Bancorp has the higher net margin (24.0% vs 23.7%) and the lower return on invested capital (11.0% vs 14.0%). Across the 18 metrics below, First Hawaiian, Inc. leads on 10 and Mechanics Bancorp on 8.

Valuation

Metric FHB MCHB Banks Regional median
P/E 11.21 11.89 12.02
P/S 2.64 2.77 2.36
P/B 1.08 1.16 1.23
Price to free cash flow 8.38 19.42 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.92% 8.41% 8.21%
Free cash flow yield 11.94% 5.15% 9.23%

Profitability

Metric FHB MCHB Banks Regional median
Gross margin 78.37% 78.13% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.73% 23.98% 18.82%
Free cash flow margin 31.51% 16.01% 17.97%
Return on equity 9.90% 17.61% 10.28%
Return on assets 1.15% 1.94% 1.13%
Return on invested capital 13.96% 10.95% 8.45%

Growth

Metric FHB MCHB Banks Regional median
Revenue growth (TTM) 1.11% 55.04% 6.37%
EPS growth (last fiscal year) 22.91% 115.95% 18.85%
Revenue growth, 5-year CAGR 8.41% 20.85% 12.65%
Net income growth, 5-year CAGR 8.26% 27.14% 9.81%

Health

Metric FHB MCHB Banks Regional median
Debt to equity 0.00 0.05 0.17
Current ratio 0.78 0.78 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FHB MCHB Banks Regional median
Dividend yield 4.14% — 2.49%
Payout ratio 0.47 — 0.29

Size

Metric FHB MCHB Banks Regional median
Market cap 3.06b 3.39b 934.85m

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