HomeTrust Bancshares, Inc. (HTB) vs Peapack-Gladstone Financial Corporation (PGC)

HomeTrust Bancshares, Inc. and Peapack-Gladstone Financial Corporation are both Banks Regional companies. HomeTrust Bancshares, Inc. and Peapack-Gladstone Financial Corporation are of similar size ($794.6M and $763.4M). HomeTrust Bancshares, Inc. trades at the lower P/E: 12.0× against 15.4×. Peapack-Gladstone Financial Corporation grew revenue faster over the last twelve months: 10.3% against −1.99%. HomeTrust Bancshares, Inc. has the higher net margin (22.5% vs 11.0%) and the higher return on invested capital (10.5% vs 9.80%). Both pay a dividend; HomeTrust Bancshares, Inc. yields more (1.58% vs 0.85%). Across the 20 metrics below, HomeTrust Bancshares, Inc. leads on 14 and Peapack-Gladstone Financial Corporation on 6.

Valuation

Metric HTB PGC Banks Regional median
P/E 12.00 15.36 12.15
P/S 2.61 1.70 2.37
P/B 1.25 1.16 1.21
Price to free cash flow 7.79 7.81 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.23 1.16 2.27
Earnings yield 8.34% 6.51% 8.11%
Free cash flow yield 12.83% 12.80% 8.98%

Profitability

Metric HTB PGC Banks Regional median
Gross margin 74.97% 67.79% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 11.04% 18.66%
Free cash flow margin 33.46% 21.80% 21.18%
Return on equity 11.02% 7.86% 10.64%
Return on assets 1.44% 0.68% 1.13%
Return on invested capital 10.48% 9.80% 8.33%

Growth

Metric HTB PGC Banks Regional median
Revenue growth (TTM) (1.99%) 10.31% 6.61%
EPS growth (last fiscal year) 16.25% 13.51% —
Revenue growth, 5-year CAGR 11.91% 14.34% 12.30%
Net income growth, 5-year CAGR 23.30% 7.34% 9.71%

Health

Metric HTB PGC Banks Regional median
Debt to equity 0.29 0.00 0.22
Current ratio 1.11 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB PGC Banks Regional median
Dividend yield 1.58% 0.85% 3.75%
Payout ratio 0.14 0.05 0.27

Size

Metric HTB PGC Banks Regional median
Market cap 763.38m 794.57m 921.07m

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