Forbright Inc. (FRBT) vs Bank of N.T. Butterfield & Son Limited (The) (NTB)

Forbright Inc. and Bank of N.T. Butterfield & Son Limited (The) are both Banks Diversified companies. Bank of N.T. Butterfield & Son Limited (The) is the larger, with a market value of $2.2B against $1.0B — 2.1× the size. Across the 4 metrics below, Forbright Inc. leads on 2 and Bank of N.T. Butterfield & Son Limited (The) on 2.

Valuation

Metric FRBT NTB Banks Diversified median
P/E — 9.28 11.69
P/S n/m 2.68 2.57
P/B 0.42 1.93 1.53
Price to free cash flow n/m 9.65 8.83
EV/EBITDA n/m — —
EV/Sales n/m — —
Earnings yield — 10.78% 8.55%
Free cash flow yield 0.00% 10.36% 7.95%

Profitability

Metric FRBT NTB Banks Diversified median
Gross margin — 79.27% 67.14%
Operating margin — 0.00% 0.00%
Net margin — 29.20% 18.44%
Free cash flow margin — 27.86% 0.00%
Return on equity — 21.07% 11.03%
Return on assets — 1.65% 0.80%
Return on invested capital 0.00% 0.00% 0.00%

Growth

Metric FRBT NTB Banks Diversified median
Revenue growth (TTM) — (0.39%) 5.49%
EPS growth (last fiscal year) — 16.14% 19.95%
Revenue growth, 5-year CAGR — 8.27% 14.34%
Net income growth, 5-year CAGR — 9.52% 10.77%

Health

Metric FRBT NTB Banks Diversified median
Debt to equity 0.16 0.00 1.10
Current ratio 0.95 0.62 0.89
Net debt to EBITDA — 0.00 0.00

Dividend

Metric FRBT NTB Banks Diversified median
Dividend yield — 3.66% 2.29%
Payout ratio — 0.35 0.27

Size

Metric FRBT NTB Banks Diversified median
Market cap 1.01b 2.15b 155.56b

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