Great Southern Bancorp, Inc. (GSBC) vs First Financial Corporation Indiana (THFF)

Great Southern Bancorp, Inc. and First Financial Corporation Indiana are both Banks Regional companies. Great Southern Bancorp, Inc. and First Financial Corporation Indiana are of similar size ($876.8M and $846.0M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 12.9×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 8.15% against −8.85%. First Financial Corporation Indiana has the higher net margin (23.3% vs 20.7%) and the lower return on invested capital (7.53% vs 10.5%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 2.20%). Across the 19 metrics below, First Financial Corporation Indiana leads on 16 and Great Southern Bancorp, Inc. on 3.

Valuation

Metric GSBC THFF Banks Regional median
P/E 12.86 10.38 11.98
P/S 2.61 2.42 2.34
P/B 1.32 1.30 1.19
Price to free cash flow 19.17 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.78% 9.64% 8.23%
Free cash flow yield 5.22% 10.55% 9.08%

Profitability

Metric GSBC THFF Banks Regional median
Gross margin 69.71% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.72% 23.32% 18.66%
Free cash flow margin 13.64% 25.60% 21.11%
Return on equity 10.65% 13.42% 10.65%
Return on assets 1.18% 1.44% 1.13%
Return on invested capital 10.48% 7.53% 8.35%

Growth

Metric GSBC THFF Banks Regional median
Revenue growth (TTM) (8.85%) 8.15% 6.98%
EPS growth (last fiscal year) 17.68% 67.00% 18.88%
Revenue growth, 5-year CAGR 6.28% 11.36% 12.38%
Net income growth, 5-year CAGR 3.65% 8.03% 9.71%

Health

Metric GSBC THFF Banks Regional median
Debt to equity 0.04 0.43 0.22
Current ratio 0.93 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GSBC THFF Banks Regional median
Dividend yield 2.20% 3.02% 2.57%
Payout ratio 0.29 0.31 0.30

Size

Metric GSBC THFF Banks Regional median
Market cap 845.97m 876.79m 913.33m

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