Grupo Financiero Galicia S.A. (GGAL) vs Bank OZK (OZK)

Grupo Financiero Galicia S.A. and Bank OZK are both Banks Regional companies. Grupo Financiero Galicia S.A. and Bank OZK are of similar size ($5.3B and $5.1B). Bank OZK trades at the lower P/E: 7.7× against 19.6×. Bank OZK grew revenue faster over the last twelve months: −0.40% against −65.4%. Bank OZK has the higher net margin (24.4% vs 7.53%) and the higher return on invested capital (10.8% vs −76.1%). Both pay a dividend; Bank OZK yields more (3.56% vs 1.49%). Across the 20 metrics below, Bank OZK leads on 12 and Grupo Financiero Galicia S.A. on 8.

Valuation

Metric GGAL OZK Banks Regional median
P/E 19.57 7.72 12.15
P/S 1.54 1.87 2.37
P/B 1.02 0.87 1.21
Price to free cash flow 0.90 6.78 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.81 1.47 2.27
Earnings yield 5.11% 12.95% 8.11%
Free cash flow yield 111.21% 14.75% 8.98%

Profitability

Metric GGAL OZK Banks Regional median
Gross margin 84.41% 62.77% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.53% 24.37% 18.66%
Free cash flow margin 0.00% 27.52% 21.18%
Return on equity 0.00% 11.72% 10.64%
Return on assets 0.85% 1.62% 1.13%
Return on invested capital (76.07%) 10.80% 8.33%

Growth

Metric GGAL OZK Banks Regional median
Revenue growth (TTM) (65.36%) (0.40%) 6.61%
EPS growth (last fiscal year) (91.19%) 0.65% —
Revenue growth, 5-year CAGR 19.31% 18.81% 12.30%
Net income growth, 5-year CAGR (13.82%) 19.09% 9.71%

Health

Metric GGAL OZK Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 1.08 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GGAL OZK Banks Regional median
Dividend yield 1.49% 3.56% 3.75%
Payout ratio 0.11 0.25 0.27

Size

Metric GGAL OZK Banks Regional median
Market cap 5.25b 5.09b 921.07m

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