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First Hawaiian, Inc. (FHB) vs Provident Financial Services, Inc (PFS)

First Hawaiian, Inc. and Provident Financial Services, Inc are both Banks Regional companies. First Hawaiian, Inc. and Provident Financial Services, Inc are of similar size ($3.1B and $3.0B). Provident Financial Services, Inc trades at the lower P/E: 9.7× against 11.2×. Provident Financial Services, Inc grew revenue faster over the last twelve months: 4.50% against 1.11%. First Hawaiian, Inc. has the higher net margin (23.7% vs 21.7%) and the higher return on invested capital (14.0% vs 4.82%). Both pay a dividend; Provident Financial Services, Inc yields more (4.17% vs 4.14%). Across the 19 metrics below, Provident Financial Services, Inc leads on 12 and First Hawaiian, Inc. on 7.

Valuation

Metric FHB PFS Banks Regional median
P/E 11.21 9.67 12.02
P/S 2.64 2.10 2.36
P/B 1.08 1.05 1.23
Price to free cash flow 8.38 8.50 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.92% 10.34% 8.21%
Free cash flow yield 11.94% 11.76% 9.23%

Profitability

Metric FHB PFS Banks Regional median
Gross margin 78.37% 64.76% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.73% 21.73% 18.82%
Free cash flow margin 31.51% 0.00% 17.97%
Return on equity 9.90% 11.01% 10.28%
Return on assets 1.15% 1.22% 1.13%
Return on invested capital 13.96% 4.82% 8.45%

Growth

Metric FHB PFS Banks Regional median
Revenue growth (TTM) 1.11% 4.50% 6.37%
EPS growth (last fiscal year) 22.91% 112.38% 18.85%
Revenue growth, 5-year CAGR 8.41% 25.98% 12.65%
Net income growth, 5-year CAGR 8.26% 24.60% 9.81%

Health

Metric FHB PFS Banks Regional median
Debt to equity 0.00 1.00 0.17
Current ratio 0.78 1.03 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FHB PFS Banks Regional median
Dividend yield 4.14% 4.17% 2.49%
Payout ratio 0.47 0.40 0.29

Size

Metric FHB PFS Banks Regional median
Market cap 3.06b 2.99b 934.85m

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