International Bancshares Corporation (IBOC) vs WSFS Financial Corporation (WSFS)

International Bancshares Corporation and WSFS Financial Corporation are both Banks Regional companies. International Bancshares Corporation and WSFS Financial Corporation are of similar size ($4.3B and $4.0B). International Bancshares Corporation trades at the lower P/E: 10.1× against 12.4×. International Bancshares Corporation grew revenue faster over the last twelve months: 2.21% against 1.34%. International Bancshares Corporation has the higher net margin (39.1% vs 24.1%) and the lower return on invested capital (12.2% vs 28.4%). Both pay a dividend; International Bancshares Corporation yields more (2.15% vs 1.19%). Across the 19 metrics below, International Bancshares Corporation leads on 13 and WSFS Financial Corporation on 6.

Valuation

Metric IBOC WSFS Banks Regional median
P/E 10.09 12.44 12.02
P/S 3.95 2.92 2.36
P/B 1.27 1.55 1.23
Price to free cash flow 9.12 14.08 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.91% 8.04% 8.21%
Free cash flow yield 10.96% 7.10% 9.23%

Profitability

Metric IBOC WSFS Banks Regional median
Gross margin 81.15% 80.79% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 39.12% 24.10% 18.82%
Free cash flow margin 43.26% 20.70% 17.97%
Return on equity 12.97% 12.47% 10.28%
Return on assets 2.48% 1.55% 1.13%
Return on invested capital 12.18% 28.37% 8.45%

Growth

Metric IBOC WSFS Banks Regional median
Revenue growth (TTM) 2.21% 1.34% 6.37%
EPS growth (last fiscal year) 0.76% 15.42% 18.85%
Revenue growth, 5-year CAGR 12.83% 13.70% 12.65%
Net income growth, 5-year CAGR 19.77% 20.15% 9.81%

Health

Metric IBOC WSFS Banks Regional median
Debt to equity 0.04 0.12 0.17
Current ratio 0.00 0.84 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric IBOC WSFS Banks Regional median
Dividend yield 2.15% 1.19% 2.49%
Payout ratio 0.22 0.15 0.29

Size

Metric IBOC WSFS Banks Regional median
Market cap 4.25b 4.00b 934.85m

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