Grupo Financiero Galicia S.A. (GGAL) vs ServisFirst Bancshares, Inc. (SFBS)

Grupo Financiero Galicia S.A. and ServisFirst Bancshares, Inc. are both Banks Regional companies. Grupo Financiero Galicia S.A. is the larger, with a market value of $4.8B against $4.3B — 1.1× the size. ServisFirst Bancshares, Inc. trades at the lower P/E: 13.4× against 18.2×. ServisFirst Bancshares, Inc. grew revenue faster over the last twelve months: 3.06% against −65.4%. ServisFirst Bancshares, Inc. has the higher net margin (30.9% vs 7.53%) and the higher return on invested capital (44.3% vs −76.1%). Across the 18 metrics below, ServisFirst Bancshares, Inc. leads on 11 and Grupo Financiero Galicia S.A. on 7.

Valuation

Metric GGAL SFBS Banks Regional median
P/E 18.19 13.41 11.98
P/S 1.44 4.15 2.34
P/B 0.95 2.18 1.19
Price to free cash flow 0.84 9.25 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.50% 7.46% 8.23%
Free cash flow yield 119.61% 10.81% 9.08%

Profitability

Metric GGAL SFBS Banks Regional median
Gross margin 84.41% 60.41% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.53% 30.94% 18.66%
Free cash flow margin 0.00% 44.91% 21.11%
Return on equity 0.00% 17.33% 10.65%
Return on assets 1.00% 1.80% 1.13%
Return on invested capital (76.07%) 44.30% 8.35%

Growth

Metric GGAL SFBS Banks Regional median
Revenue growth (TTM) (65.36%) 3.06% 6.98%
EPS growth (last fiscal year) (91.19%) 21.63% 18.88%
Revenue growth, 5-year CAGR 19.31% 19.41% 12.38%
Net income growth, 5-year CAGR (13.82%) 10.28% 9.71%

Health

Metric GGAL SFBS Banks Regional median
Debt to equity 0.00 0.02 0.22
Current ratio 1.08 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GGAL SFBS Banks Regional median
Dividend yield — 1.93% 2.57%
Payout ratio — 0.26 0.30

Size

Metric GGAL SFBS Banks Regional median
Market cap 4.83b 4.32b 913.33m

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