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Glacier Bancorp, Inc. (GBCI) vs Intercorp Financial Services Inc. (IFS)

Glacier Bancorp, Inc. and Intercorp Financial Services Inc. are both Banks Regional companies. Intercorp Financial Services Inc. is the larger, with a market value of $6.3B against $5.7B — 1.1× the size. Intercorp Financial Services Inc. trades at the lower P/E: 15.9× against 18.0×. Glacier Bancorp, Inc. grew revenue faster over the last twelve months: 20.0% against 5.75%. Glacier Bancorp, Inc. has the higher net margin (19.7% vs 18.0%) and the higher return on invested capital (6.90% vs 0.00%). Across the 18 metrics below, Glacier Bancorp, Inc. leads on 9 and Intercorp Financial Services Inc. on 9.

Valuation

Metric GBCI IFS Banks Regional median
P/E 17.98 15.87 11.98
P/S 3.61 2.82 2.34
P/B 1.32 1.61 1.19
Price to free cash flow 13.79 12.88 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.56% 6.30% 8.23%
Free cash flow yield 7.25% 7.76% 9.08%

Profitability

Metric GBCI IFS Banks Regional median
Gross margin 75.40% 65.45% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.72% 17.95% 18.66%
Free cash flow margin 26.22% 0.00% 21.11%
Return on equity 7.95% 0.00% 10.65%
Return on assets 1.03% 0.00% 1.13%
Return on invested capital 6.90% 0.00% 8.35%

Growth

Metric GBCI IFS Banks Regional median
Revenue growth (TTM) 20.04% 5.75% 6.98%
EPS growth (last fiscal year) 18.45% 60.07% 18.88%
Revenue growth, 5-year CAGR 12.43% 15.71% 12.38%
Net income growth, 5-year CAGR (2.15%) 37.67% 9.71%

Health

Metric GBCI IFS Banks Regional median
Debt to equity 0.06 0.59 0.22
Current ratio 0.84 1.10 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GBCI IFS Banks Regional median
Dividend yield 3.05% — 2.57%
Payout ratio 0.55 — 0.30

Size

Metric GBCI IFS Banks Regional median
Market cap 5.70b 6.31b 913.33m

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