HomeTrust Bancshares, Inc. (HTB) vs Peoples Financial Services Corp. (PFIS)

HomeTrust Bancshares, Inc. and Peoples Financial Services Corp. are both Banks Regional companies. HomeTrust Bancshares, Inc. and Peoples Financial Services Corp. are of similar size ($742.9M and $730.2M). HomeTrust Bancshares, Inc. trades at the lower P/E: 12.2× against 12.9×. Peoples Financial Services Corp. grew revenue faster over the last twelve months: 0.46% against −1.99%. HomeTrust Bancshares, Inc. has the higher net margin (22.5% vs 19.8%) and the higher return on invested capital (10.5% vs 8.38%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.40% vs 1.19%). Across the 18 metrics below, HomeTrust Bancshares, Inc. leads on 13 and Peoples Financial Services Corp. on 5.

Valuation

Metric HTB PFIS Banks Regional median
P/E 12.19 12.91 12.02
P/S 2.65 2.56 2.36
P/B 1.27 1.37 1.23
Price to free cash flow 7.92 14.79 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.21% 7.74% 8.21%
Free cash flow yield 12.63% 6.76% 9.23%

Profitability

Metric HTB PFIS Banks Regional median
Gross margin 74.97% 68.05% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 19.78% 18.82%
Free cash flow margin 33.46% 17.28% 17.97%
Return on equity 11.02% 11.02% 10.28%
Return on assets 1.44% 1.08% 1.13%
Return on invested capital 10.48% 8.38% 8.45%

Growth

Metric HTB PFIS Banks Regional median
Revenue growth (TTM) (1.99%) 0.46% 6.37%
EPS growth (last fiscal year) 16.25% 493.94% 18.85%
Revenue growth, 5-year CAGR 11.91% 20.50% 12.65%
Net income growth, 5-year CAGR 23.30% 15.06% 9.81%

Health

Metric HTB PFIS Banks Regional median
Debt to equity 0.29 0.46 0.17
Current ratio 1.11 0.99 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB PFIS Banks Regional median
Dividend yield 1.19% 3.40% 2.49%
Payout ratio 0.15 0.44 0.29

Size

Metric HTB PFIS Banks Regional median
Market cap 742.89m 730.15m 934.85m

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