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Independent Bank Corp. (IBCP) vs River City Bank (RCBC)

Independent Bank Corp. and River City Bank are both Banks Regional companies. Independent Bank Corp. and River City Bank are of similar size ($828.4M and $802.2M). Across the 4 metrics below, Independent Bank Corp. leads on 3 and River City Bank on 1.

Valuation

Metric IBCP RCBC Banks Regional median
P/E 10.58 — 12.02
P/S 2.42 n/m 2.36
P/B 1.40 1.53 1.23
Price to free cash flow 21.14 n/m 10.60
EV/EBITDA — n/m —
EV/Sales — n/m —
Earnings yield 9.45% — 8.21%
Free cash flow yield 4.73% 0.00% 9.23%

Profitability

Metric IBCP RCBC Banks Regional median
Gross margin 75.45% — 69.81%
Operating margin 0.00% — 0.00%
Net margin 21.63% — 18.82%
Free cash flow margin 0.00% — 17.97%
Return on equity 13.50% — 10.28%
Return on assets 1.23% — 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric IBCP RCBC Banks Regional median
Revenue growth (TTM) 3.49% — 6.37%
EPS growth (last fiscal year) 3.48% (5.98%) 18.85%
Revenue growth, 5-year CAGR 7.41% — 12.65%
Net income growth, 5-year CAGR 4.07% — 9.81%

Health

Metric IBCP RCBC Banks Regional median
Debt to equity 0.00 0.00 0.17
Current ratio 0.00 0.91 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IBCP RCBC Banks Regional median
Dividend yield 3.08% — 2.49%
Payout ratio 0.33 — 0.29

Size

Metric IBCP RCBC Banks Regional median
Market cap 802.22m 828.41m 934.85m

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