Inter & Co. Inc. (INTR) vs Park National Corporation (PRK)

Inter & Co. Inc. and Park National Corporation are both Banks Regional companies. Inter & Co. Inc. and Park National Corporation are of similar size ($3.2B and $3.0B). Inter & Co. Inc. trades at the lower P/E: 10.2× against 15.9×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against 11.6%. Park National Corporation has the higher net margin (25.8% vs 9.22%) and the higher return on invested capital (12.8% vs 0.00%). Both pay a dividend; Park National Corporation yields more (1.85% vs 1.68%). Across the 17 metrics below, Inter & Co. Inc. leads on 9 and Park National Corporation on 8.

Valuation

Metric INTR PRK Banks Regional median
P/E 10.21 15.91 11.98
P/S 0.95 4.38 2.34
P/B 1.41 1.87 1.19
Price to free cash flow 12.92 17.54 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.79% 6.29% 8.23%
Free cash flow yield 7.74% 5.70% 9.08%

Profitability

Metric INTR PRK Banks Regional median
Gross margin 58.20% 84.51% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% 25.77% 18.66%
Free cash flow margin 7.36% 24.96% 21.11%
Return on equity 15.36% 12.59% 10.65%
Return on assets 1.64% 1.68% 1.13%
Return on invested capital 0.00% 12.81% 8.35%

Growth

Metric INTR PRK Banks Regional median
Revenue growth (TTM) 52.59% 11.57% 6.98%
EPS growth (last fiscal year) 39.47% 19.21% 18.88%
Revenue growth, 5-year CAGR — 6.57% 12.38%
Net income growth, 5-year CAGR — 7.08% 9.71%

Health

Metric INTR PRK Banks Regional median
Debt to equity 0.08 0.00 0.22
Current ratio 0.90 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR PRK Banks Regional median
Dividend yield 1.68% 1.85% 2.57%
Payout ratio 0.17 0.30 0.30

Size

Metric INTR PRK Banks Regional median
Market cap 2.97b 3.22b 913.33m

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