Flagstar Bank, National Association (FLG) vs WSFS Financial Corporation (WSFS)

Flagstar Bank, National Association and WSFS Financial Corporation are both Banks Regional companies. Flagstar Bank, National Association and WSFS Financial Corporation are of similar size ($4.3B and $4.0B). WSFS Financial Corporation trades at the lower P/E: 12.4× against 70.7×. WSFS Financial Corporation grew revenue faster over the last twelve months: 1.34% against −16.6%. WSFS Financial Corporation has the higher net margin (24.1% vs 1.46%) and the higher return on invested capital (28.4% vs 0.45%). Both pay a dividend; WSFS Financial Corporation yields more (1.19% vs 0.38%). Across the 19 metrics below, WSFS Financial Corporation leads on 14 and Flagstar Bank, National Association on 5.

Valuation

Metric FLG WSFS Banks Regional median
P/E 70.73 12.44 12.02
P/S 1.01 2.92 2.36
P/B 0.61 1.55 1.23
Price to free cash flow 64.19 14.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 1.41% 8.04% 8.21%
Free cash flow yield 1.56% 7.10% 9.23%

Profitability

Metric FLG WSFS Banks Regional median
Gross margin 48.62% 80.79% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.46% 24.10% 18.82%
Free cash flow margin 0.00% 20.70% 17.97%
Return on equity 0.85% 12.47% 10.28%
Return on assets 0.07% 1.55% 1.13%
Return on invested capital 0.45% 28.37% 8.45%

Growth

Metric FLG WSFS Banks Regional median
Revenue growth (TTM) (16.60%) 1.34% 6.37%
EPS growth (last fiscal year) 85.29% 15.42% 18.85%
Revenue growth, 5-year CAGR 22.13% 13.70% 12.65%
Net income growth, 5-year CAGR 0.00% 20.15% 9.81%

Health

Metric FLG WSFS Banks Regional median
Debt to equity 1.43 0.12 0.17
Current ratio 0.96 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FLG WSFS Banks Regional median
Dividend yield 0.38% 1.19% 2.49%
Payout ratio 0.27 0.15 0.29

Size

Metric FLG WSFS Banks Regional median
Market cap 4.25b 4.00b 934.85m

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