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Provident Financial Services, Inc (PFS) vs Seacoast Banking Corporation of Florida (SBCF)

Provident Financial Services, Inc and Seacoast Banking Corporation of Florida are both Banks Regional companies. Provident Financial Services, Inc and Seacoast Banking Corporation of Florida are of similar size ($3.1B and $2.9B). Provident Financial Services, Inc trades at the lower P/E: 9.3× against 20.5×. Seacoast Banking Corporation of Florida grew revenue faster over the last twelve months: 23.7% against 3.72%. Provident Financial Services, Inc has the higher net margin (22.2% vs 14.9%) and the lower return on invested capital (4.85% vs 4.87%). Both pay a dividend; Provident Financial Services, Inc yields more (4.32% vs 2.34%). Across the 19 metrics below, Provident Financial Services, Inc leads on 15 and Seacoast Banking Corporation of Florida on 4.

Valuation

Metric PFS SBCF Banks Regional median
P/E 9.26 20.47 11.98
P/S 2.05 3.04 2.34
P/B 1.00 1.15 1.19
Price to free cash flow 8.20 15.16 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.80% 4.89% 8.23%
Free cash flow yield 12.19% 6.59% 9.08%

Profitability

Metric PFS SBCF Banks Regional median
Gross margin 64.26% 70.94% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.15% 14.85% 18.66%
Free cash flow margin 25.01% 20.04% 21.11%
Return on equity 11.14% 6.13% 10.65%
Return on assets 1.25% 0.82% 1.13%
Return on invested capital 4.85% 4.87% 8.35%

Growth

Metric PFS SBCF Banks Regional median
Revenue growth (TTM) 3.72% 23.66% 6.98%
EPS growth (last fiscal year) 112.38% 11.27% 18.88%
Revenue growth, 5-year CAGR 25.98% 21.83% 12.38%
Net income growth, 5-year CAGR 24.60% 12.53% 9.71%

Health

Metric PFS SBCF Banks Regional median
Debt to equity 0.99 0.35 0.22
Current ratio 1.03 0.78 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PFS SBCF Banks Regional median
Dividend yield 4.32% 2.34% 2.57%
Payout ratio 0.40 0.48 0.30

Size

Metric PFS SBCF Banks Regional median
Market cap 2.90b 3.14b 913.33m

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