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Inter & Co. Inc. (INTR) vs National Bank Holdings Corporation (NBHC)

Inter & Co. Inc. and National Bank Holdings Corporation are both Banks Regional companies. Inter & Co. Inc. and National Bank Holdings Corporation are of similar size ($1.7B and $1.6B). Inter & Co. Inc. trades at the lower P/E: 5.8× against 29.6×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 14.6%. Inter & Co. Inc. has the higher net margin (9.22% vs 8.02%) and the lower return on invested capital (0.00% vs 2.58%). Both pay a dividend; National Bank Holdings Corporation yields more (3.40% vs 2.96%). Across the 17 metrics below, Inter & Co. Inc. leads on 12 and National Bank Holdings Corporation on 5.

Valuation

Metric INTR NBHC Banks Regional median
P/E 5.79 29.64 12.02
P/S 0.54 2.44 2.36
P/B 0.80 1.02 1.23
Price to free cash flow 7.32 10.33 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.28% 3.37% 8.21%
Free cash flow yield 13.66% 9.68% 9.23%

Profitability

Metric INTR NBHC Banks Regional median
Gross margin 58.20% 70.96% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 8.02% 18.82%
Free cash flow margin 7.36% 23.62% 17.97%
Return on equity 15.36% 3.64% 10.28%
Return on assets 1.64% 0.48% 1.13%
Return on invested capital 0.00% 2.58% 8.45%

Growth

Metric INTR NBHC Banks Regional median
Revenue growth (TTM) 52.59% 14.62% 6.37%
EPS growth (last fiscal year) 39.47% (7.47%) 18.85%
Revenue growth, 5-year CAGR — 10.39% 12.65%
Net income growth, 5-year CAGR — 4.34% 9.81%

Health

Metric INTR NBHC Banks Regional median
Debt to equity 0.08 0.20 0.17
Current ratio 0.90 0.96 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR NBHC Banks Regional median
Dividend yield 2.96% 3.40% 2.49%
Payout ratio 0.17 1.01 0.29

Size

Metric INTR NBHC Banks Regional median
Market cap 1.66b 1.64b 934.85m

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