Peoples Financial Services Corp. (PFIS) vs Red River Bancshares, Inc. (RRBI)

Peoples Financial Services Corp. and Red River Bancshares, Inc. are both Banks Regional companies. Peoples Financial Services Corp. and Red River Bancshares, Inc. are of similar size ($681.2M and $666.1M). Peoples Financial Services Corp. trades at the lower P/E: 12.0× against 14.5×. Red River Bancshares, Inc. grew revenue faster over the last twelve months: 7.09% against 0.46%. Red River Bancshares, Inc. has the higher net margin (26.3% vs 19.8%) and the higher return on invested capital (18.9% vs 8.38%). Both pay a dividend; Peoples Financial Services Corp. yields more (3.65% vs 0.89%). Across the 19 metrics below, Red River Bancshares, Inc. leads on 10 and Peoples Financial Services Corp. on 9.

Valuation

Metric PFIS RRBI Banks Regional median
P/E 12.03 14.51 11.98
P/S 2.38 3.81 2.34
P/B 1.28 1.73 1.19
Price to free cash flow 13.79 12.84 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.31% 6.89% 8.23%
Free cash flow yield 7.25% 7.79% 9.08%

Profitability

Metric PFIS RRBI Banks Regional median
Gross margin 68.05% 75.26% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 19.78% 26.25% 18.66%
Free cash flow margin 17.28% 29.67% 21.11%
Return on equity 11.02% 12.77% 10.65%
Return on assets 1.08% 1.42% 1.13%
Return on invested capital 8.38% 18.89% 8.35%

Growth

Metric PFIS RRBI Banks Regional median
Revenue growth (TTM) 0.46% 7.09% 6.98%
EPS growth (last fiscal year) 493.94% 28.89% 18.88%
Revenue growth, 5-year CAGR 20.50% 11.06% 12.38%
Net income growth, 5-year CAGR 15.06% 8.73% 9.71%

Health

Metric PFIS RRBI Banks Regional median
Debt to equity 0.46 0.00 0.22
Current ratio 0.99 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PFIS RRBI Banks Regional median
Dividend yield 3.65% 0.89% 2.57%
Payout ratio 0.44 0.13 0.30

Size

Metric PFIS RRBI Banks Regional median
Market cap 681.20m 666.12m 913.33m

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