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Inter & Co. Inc. (INTR) vs Provident Financial Services, Inc (PFS)

Inter & Co. Inc. and Provident Financial Services, Inc are both Banks Regional companies. Inter & Co. Inc. and Provident Financial Services, Inc are of similar size ($3.0B and $2.9B). Provident Financial Services, Inc trades at the lower P/E: 9.3× against 10.2×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 3.72%. Provident Financial Services, Inc has the higher net margin (22.2% vs 9.22%) and the higher return on invested capital (4.85% vs 0.00%). Both pay a dividend; Provident Financial Services, Inc yields more (4.32% vs 1.68%). Across the 17 metrics below, Provident Financial Services, Inc leads on 12 and Inter & Co. Inc. on 5.

Valuation

Metric INTR PFS Banks Regional median
P/E 10.21 9.26 11.98
P/S 0.95 2.05 2.34
P/B 1.41 1.00 1.19
Price to free cash flow 12.92 8.20 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.79% 10.80% 8.23%
Free cash flow yield 7.74% 12.19% 9.08%

Profitability

Metric INTR PFS Banks Regional median
Gross margin 58.20% 64.26% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 22.15% 18.66%
Free cash flow margin 7.36% 25.01% 21.11%
Return on equity 15.36% 11.14% 10.65%
Return on assets 1.64% 1.25% 1.13%
Return on invested capital 0.00% 4.85% 8.35%

Growth

Metric INTR PFS Banks Regional median
Revenue growth (TTM) 52.59% 3.72% 6.98%
EPS growth (last fiscal year) 39.47% 112.38% 18.88%
Revenue growth, 5-year CAGR — 25.98% 12.38%
Net income growth, 5-year CAGR — 24.60% 9.71%

Health

Metric INTR PFS Banks Regional median
Debt to equity 0.08 0.99 0.22
Current ratio 0.90 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR PFS Banks Regional median
Dividend yield 1.68% 4.32% 2.57%
Payout ratio 0.17 0.40 0.30

Size

Metric INTR PFS Banks Regional median
Market cap 2.97b 2.90b 913.33m

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