Inter & Co. Inc. (INTR) vs Simmons First National Corporation (SFNC)

Inter & Co. Inc. and Simmons First National Corporation are both Banks Regional companies. Inter & Co. Inc. and Simmons First National Corporation are of similar size ($3.2B and $3.0B). Simmons First National Corporation has negative trailing earnings, so its P/E is not meaningful; Inter & Co. Inc. trades at 10.2×. Inter & Co. Inc. grew revenue faster over the last twelve months: 52.6% against −56.9%. Inter & Co. Inc. has the higher net margin (9.22% vs −56.5%) and the higher return on invested capital (0.00% vs −6.96%). Both pay a dividend; Simmons First National Corporation yields more (3.89% vs 1.68%). Across the 16 metrics below, Inter & Co. Inc. leads on 10 and Simmons First National Corporation on 6.

Valuation

Metric INTR SFNC Banks Regional median
P/E 10.21 n/m 11.98
P/S 0.95 5.17 2.34
P/B 1.41 0.92 1.19
Price to free cash flow 12.92 6.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.79% (11.51%) 8.23%
Free cash flow yield 7.74% 15.42% 9.08%

Profitability

Metric INTR SFNC Banks Regional median
Gross margin 58.20% 27.41% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 9.22% (56.54%) 18.66%
Free cash flow margin 7.36% 79.79% 21.11%
Return on equity 15.36% (9.94%) 10.65%
Return on assets 1.64% (1.36%) 1.13%
Return on invested capital 0.00% (6.96%) 8.35%

Growth

Metric INTR SFNC Banks Regional median
Revenue growth (TTM) 52.59% (56.85%) 6.98%
EPS growth (last fiscal year) 39.47% (343.80%) 18.88%
Revenue growth, 5-year CAGR — (8.88%) 12.38%
Net income growth, 5-year CAGR — 0.00% 9.71%

Health

Metric INTR SFNC Banks Regional median
Debt to equity 0.08 0.36 0.22
Current ratio 0.90 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric INTR SFNC Banks Regional median
Dividend yield 1.68% 3.89% 2.57%
Payout ratio 0.17 — 0.30

Size

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

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