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1st Source Corporation (SRCE) vs WaFd, Inc. (WAFD)

1st Source Corporation and WaFd, Inc. are both Banks Regional companies. 1st Source Corporation and WaFd, Inc. are of similar size ($2.2B and $2.1B). WaFd, Inc. trades at the lower P/E: 9.2× against 12.0×. 1st Source Corporation grew revenue faster over the last twelve months: 3.83% against 0.53%. 1st Source Corporation has the higher net margin (28.7% vs 17.0%) and the higher return on invested capital (10.8% vs 4.31%). Both pay a dividend; WaFd, Inc. yields more (3.66% vs 1.98%). Across the 19 metrics below, 1st Source Corporation leads on 10 and WaFd, Inc. on 9.

Valuation

Metric SRCE WAFD Banks Regional median
P/E 12.02 9.17 12.02
P/S 3.43 1.54 2.36
P/B 1.56 0.81 1.23
Price to free cash flow 8.94 7.84 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.32% 10.90% 8.21%
Free cash flow yield 11.19% 12.75% 9.23%

Profitability

Metric SRCE WAFD Banks Regional median
Gross margin 75.34% 57.45% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.73% 17.01% 18.82%
Free cash flow margin 38.40% 0.00% 17.97%
Return on equity 13.35% 8.87% 10.28%
Return on assets 1.92% 0.89% 1.13%
Return on invested capital 10.76% 4.31% 8.45%

Growth

Metric SRCE WAFD Banks Regional median
Revenue growth (TTM) 3.83% 0.53% 6.37%
EPS growth (last fiscal year) 19.59% 22.05% 18.85%
Revenue growth, 5-year CAGR 10.34% 16.81% 12.65%
Net income growth, 5-year CAGR 14.16% 6.80% 9.81%

Health

Metric SRCE WAFD Banks Regional median
Debt to equity 0.07 0.83 0.17
Current ratio 0.97 0.94 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SRCE WAFD Banks Regional median
Dividend yield 1.98% 3.66% 2.49%
Payout ratio 0.24 0.34 0.29

Size

Metric SRCE WAFD Banks Regional median
Market cap 2.10b 2.18b 934.85m

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