Glacier Bancorp, Inc. (GBCI) vs Grupo Financiero Galicia S.A. (GGAL)

Glacier Bancorp, Inc. and Grupo Financiero Galicia S.A. are both Banks Regional companies. Glacier Bancorp, Inc. and Grupo Financiero Galicia S.A. are of similar size ($5.8B and $5.3B). Glacier Bancorp, Inc. trades at the lower P/E: 18.3× against 19.6×. Glacier Bancorp, Inc. grew revenue faster over the last twelve months: 20.0% against −65.4%. Glacier Bancorp, Inc. has the higher net margin (19.7% vs 7.53%) and the higher return on invested capital (6.90% vs −76.1%). Both pay a dividend; Glacier Bancorp, Inc. yields more (3.61% vs 1.49%). Across the 20 metrics below, Glacier Bancorp, Inc. leads on 11 and Grupo Financiero Galicia S.A. on 9.

Valuation

Metric GBCI GGAL Banks Regional median
P/E 18.34 19.57 12.15
P/S 3.69 1.54 2.37
P/B 1.35 1.02 1.21
Price to free cash flow 14.06 0.90 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.17 0.81 2.27
Earnings yield 5.45% 5.11% 8.11%
Free cash flow yield 7.11% 111.21% 8.98%

Profitability

Metric GBCI GGAL Banks Regional median
Gross margin 75.40% 84.41% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.72% 7.53% 18.66%
Free cash flow margin 26.22% 0.00% 21.18%
Return on equity 7.95% 0.00% 10.64%
Return on assets 1.03% 0.85% 1.13%
Return on invested capital 6.90% (76.07%) 8.33%

Growth

Metric GBCI GGAL Banks Regional median
Revenue growth (TTM) 20.04% (65.36%) 6.61%
EPS growth (last fiscal year) 18.45% (91.19%) —
Revenue growth, 5-year CAGR 12.43% 19.31% 12.30%
Net income growth, 5-year CAGR (2.15%) (13.82%) 9.71%

Health

Metric GBCI GGAL Banks Regional median
Debt to equity 0.06 0.00 0.22
Current ratio 0.84 1.08 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBCI GGAL Banks Regional median
Dividend yield 3.61% 1.49% 3.75%
Payout ratio 0.53 0.11 0.27

Size

Metric GBCI GGAL Banks Regional median
Market cap 5.77b 5.25b 921.07m

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