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Inter & Co. Inc. (INTR) vs Origin Bancorp, Inc. (OBK)

Inter & Co. Inc. and Origin Bancorp, Inc. are both Banks Regional companies. Inter & Co. Inc. and Origin Bancorp, Inc. are of similar size ($1.7B and $1.7B). Inter & Co. Inc. trades at the lower P/E: 5.8× against 16.8×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 4.96%. Origin Bancorp, Inc. has the higher net margin (16.3% vs 9.22%) and the higher return on invested capital (8.93% vs 0.00%). Both pay a dividend; Inter & Co. Inc. yields more (2.96% vs 1.48%). Across the 17 metrics below, Inter & Co. Inc. leads on 12 and Origin Bancorp, Inc. on 5.

Valuation

Metric INTR OBK Banks Regional median
P/E 5.79 16.78 12.02
P/S 0.54 2.72 2.36
P/B 0.80 1.30 1.23
Price to free cash flow 7.32 9.50 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 17.28% 5.96% 8.21%
Free cash flow yield 13.66% 10.52% 9.23%

Profitability

Metric INTR OBK Banks Regional median
Gross margin 58.20% 69.33% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 16.26% 18.82%
Free cash flow margin 7.36% 28.62% 17.97%
Return on equity 15.36% 8.02% 10.28%
Return on assets 1.64% 1.00% 1.13%
Return on invested capital 0.00% 8.93% 8.45%

Growth

Metric INTR OBK Banks Regional median
Revenue growth (TTM) 52.59% 4.96% 6.37%
EPS growth (last fiscal year) 39.47% (2.04%) 18.85%
Revenue growth, 5-year CAGR — 15.30% 12.65%
Net income growth, 5-year CAGR — 15.64% 9.81%

Health

Metric INTR OBK Banks Regional median
Debt to equity 0.08 0.12 0.17
Current ratio 0.90 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR OBK Banks Regional median
Dividend yield 2.96% 1.48% 2.49%
Payout ratio 0.17 0.25 0.29

Size

Metric INTR OBK Banks Regional median
Market cap 1.66b 1.67b 934.85m

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