S&T Bancorp, Inc. (STBA) vs The Bancorp, Inc. (TBBK)

S&T Bancorp, Inc. and The Bancorp, Inc. are both Banks Regional companies. S&T Bancorp, Inc. and The Bancorp, Inc. are of similar size ($2.0B and $1.8B). The Bancorp, Inc. trades at the lower P/E: 8.4× against 12.8×. S&T Bancorp, Inc. grew revenue faster over the last twelve months: 2.27% against −8.65%. The Bancorp, Inc. has the higher net margin (30.1% vs 25.1%) and the higher return on invested capital (23.9% vs 8.92%). Across the 16 metrics below, The Bancorp, Inc. leads on 11 and S&T Bancorp, Inc. on 5.

Valuation

Metric STBA TBBK Banks Regional median
P/E 12.84 8.36 12.02
P/S 3.17 2.45 2.36
P/B 1.30 2.76 1.23
Price to free cash flow 12.73 8.39 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.79% 11.96% 8.21%
Free cash flow yield 7.86% 11.92% 9.23%

Profitability

Metric STBA TBBK Banks Regional median
Gross margin 73.14% 84.61% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.10% 30.13% 18.82%
Free cash flow margin 0.00% 0.00% 17.97%
Return on equity 0.00% 0.00% 10.28%
Return on assets 1.46% 2.66% 1.13%
Return on invested capital 8.92% 23.85% 8.45%

Growth

Metric STBA TBBK Banks Regional median
Revenue growth (TTM) 2.27% (8.65%) 6.37%
EPS growth (last fiscal year) 2.35% 14.69% 18.85%
Revenue growth, 5-year CAGR 8.38% 24.39% 12.65%
Net income growth, 5-year CAGR 44.96% 23.30% 9.81%

Health

Metric STBA TBBK Banks Regional median
Debt to equity 0.04 0.32 0.17
Current ratio 0.99 0.88 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric STBA TBBK Banks Regional median
Dividend yield 2.86% — 2.49%
Payout ratio 0.37 — 0.29

Size

Metric STBA TBBK Banks Regional median
Market cap 1.79b 1.95b 934.85m

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