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Grupo Financiero Galicia S.A. (GGAL) vs WesBanco, Inc. (WSBC)

Grupo Financiero Galicia S.A. and WesBanco, Inc. are both Banks Regional companies. Grupo Financiero Galicia S.A. and WesBanco, Inc. are of similar size ($4.0B and $3.7B). WesBanco, Inc. trades at the lower P/E: 11.0× against 14.9×. WesBanco, Inc. grew revenue faster over the last twelve months: 17.0% against −65.4%. WesBanco, Inc. has the higher net margin (22.0% vs 7.53%) and the higher return on invested capital (5.43% vs −76.1%). Across the 18 metrics below, WesBanco, Inc. leads on 10 and Grupo Financiero Galicia S.A. on 8.

Valuation

Metric GGAL WSBC Banks Regional median
P/E 14.87 11.02 11.87
P/S 1.17 2.42 2.35
P/B 0.78 0.96 1.23
Price to free cash flow 0.68 9.81 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.72% 9.07% 8.34%
Free cash flow yield 146.29% 10.19% 9.37%

Profitability

Metric GGAL WSBC Banks Regional median
Gross margin 84.41% 70.15% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.53% 22.02% 18.99%
Free cash flow margin 0.00% 24.70% 18.19%
Return on equity 0.00% 8.84% 10.45%
Return on assets 1.00% 1.20% 1.15%
Return on invested capital (76.07%) 5.43% 8.54%

Growth

Metric GGAL WSBC Banks Regional median
Revenue growth (TTM) (65.36%) 16.95% 6.56%
EPS growth (last fiscal year) (91.19%) (1.33%) 18.85%
Revenue growth, 5-year CAGR 19.31% 16.53% 12.65%
Net income growth, 5-year CAGR (13.82%) 11.15% 9.81%

Health

Metric GGAL WSBC Banks Regional median
Debt to equity 0.00 0.55 0.14
Current ratio 1.08 0.96 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GGAL WSBC Banks Regional median
Dividend yield — 3.94% 2.51%
Payout ratio — 0.44 0.30

Size

Metric GGAL WSBC Banks Regional median
Market cap 3.96b 3.71b 915.17m

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