NB Bancorp, Inc. (NBBK) vs First Financial Corporation Indiana (THFF)

NB Bancorp, Inc. and First Financial Corporation Indiana are both Banks Regional companies. NB Bancorp, Inc. and First Financial Corporation Indiana are of similar size ($913.3M and $876.8M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 14.4×. NB Bancorp, Inc. grew revenue faster over the last twelve months: 27.9% against 8.15%. First Financial Corporation Indiana has the higher net margin (23.3% vs 14.3%) and the lower return on invested capital (7.53% vs 10.1%). Both pay a dividend; First Financial Corporation Indiana yields more (3.02% vs 1.28%). Across the 17 metrics below, First Financial Corporation Indiana leads on 11 and NB Bancorp, Inc. on 6.

Valuation

Metric NBBK THFF Banks Regional median
P/E 14.38 10.38 11.98
P/S 2.09 2.42 2.34
P/B 1.03 1.30 1.19
Price to free cash flow 11.12 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.95% 9.64% 8.23%
Free cash flow yield 8.99% 10.55% 9.08%

Profitability

Metric NBBK THFF Banks Regional median
Gross margin 62.48% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.27% 23.32% 18.66%
Free cash flow margin 18.82% 25.60% 21.11%
Return on equity 7.49% 13.42% 10.65%
Return on assets 0.93% 1.44% 1.13%
Return on invested capital 10.08% 7.53% 8.35%

Growth

Metric NBBK THFF Banks Regional median
Revenue growth (TTM) 27.92% 8.15% 6.98%
EPS growth (last fiscal year) 25.23% 67.00% 18.88%
Revenue growth, 5-year CAGR — 11.36% 12.38%
Net income growth, 5-year CAGR — 8.03% 9.71%

Health

Metric NBBK THFF Banks Regional median
Debt to equity 0.22 0.43 0.22
Current ratio 1.06 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBBK THFF Banks Regional median
Dividend yield 1.28% 3.02% 2.57%
Payout ratio 0.19 0.31 0.30

Size

Metric NBBK THFF Banks Regional median
Market cap 913.33m 876.79m 913.33m

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