F.N.B. Corporation (FNB) vs Bank OZK (OZK)

F.N.B. Corporation and Bank OZK are both Banks Regional companies. F.N.B. Corporation is the larger, with a market value of $6.3B against $5.6B — 1.1× the size. Bank OZK trades at the lower P/E: 8.6× against 10.5×. F.N.B. Corporation grew revenue faster over the last twelve months: 2.62% against −2.26%. Bank OZK has the higher net margin (24.1% vs 22.5%) and the higher return on invested capital (8.73% vs 7.39%). Both pay a dividend; Bank OZK yields more (3.71% vs 2.79%). Across the 19 metrics below, Bank OZK leads on 14 and F.N.B. Corporation on 5.

Valuation

Metric FNB OZK Banks Regional median
P/E 10.54 8.57 12.02
P/S 2.35 2.05 2.36
P/B 0.93 0.96 1.23
Price to free cash flow 8.77 7.35 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.49% 11.67% 8.21%
Free cash flow yield 11.40% 13.60% 9.23%

Profitability

Metric FNB OZK Banks Regional median
Gross margin 68.05% 63.22% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.45% 24.10% 18.82%
Free cash flow margin 26.74% 0.00% 17.97%
Return on equity 9.03% 11.40% 10.28%
Return on assets 1.19% 1.55% 1.13%
Return on invested capital 7.39% 8.73% 8.45%

Growth

Metric FNB OZK Banks Regional median
Revenue growth (TTM) 2.62% (2.26%) 6.37%
EPS growth (last fiscal year) 22.83% 0.65% 18.85%
Revenue growth, 5-year CAGR 13.61% 18.81% 12.65%
Net income growth, 5-year CAGR 15.24% 19.09% 9.81%

Health

Metric FNB OZK Banks Regional median
Debt to equity 0.26 0.20 0.17
Current ratio 0.91 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNB OZK Banks Regional median
Dividend yield 2.79% 3.71% 2.49%
Payout ratio 0.29 0.32 0.29

Size

Metric FNB OZK Banks Regional median
Market cap 6.27b 5.58b 934.85m

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