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S&T Bancorp, Inc. (STBA) vs TriCo Bancshares (TCBK)

S&T Bancorp, Inc. and TriCo Bancshares are both Banks Regional companies. S&T Bancorp, Inc. and TriCo Bancshares are of similar size ($1.7B and $1.7B). TriCo Bancshares trades at the lower P/E: 12.4× against 12.9×. TriCo Bancshares grew revenue faster over the last twelve months: 3.55% against 2.45%. TriCo Bancshares has the higher net margin (24.7% vs 24.5%) and the higher return on invested capital (8.97% vs 8.71%). Both pay a dividend; S&T Bancorp, Inc. yields more (2.99% vs 2.77%). Across the 19 metrics below, TriCo Bancshares leads on 12 and S&T Bancorp, Inc. on 7.

Valuation

Metric STBA TCBK Banks Regional median
P/E 12.89 12.39 11.98
P/S 3.04 3.02 2.34
P/B 1.24 1.24 1.19
Price to free cash flow 12.19 12.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.76% 8.07% 8.23%
Free cash flow yield 8.20% 8.01% 9.08%

Profitability

Metric STBA TCBK Banks Regional median
Gross margin 72.44% 79.56% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.51% 24.66% 18.66%
Free cash flow margin 24.94% 24.23% 21.11%
Return on equity 9.87% 10.38% 10.65%
Return on assets 1.42% 1.36% 1.13%
Return on invested capital 8.71% 8.97% 8.35%

Growth

Metric STBA TCBK Banks Regional median
Revenue growth (TTM) 2.45% 3.55% 6.98%
EPS growth (last fiscal year) 2.35% 6.94% 18.88%
Revenue growth, 5-year CAGR 8.38% 10.82% 12.38%
Net income growth, 5-year CAGR 44.96% 13.40% 9.71%

Health

Metric STBA TCBK Banks Regional median
Debt to equity 0.05 0.04 0.22
Current ratio 0.99 0.87 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric STBA TCBK Banks Regional median
Dividend yield 2.99% 2.77% 2.57%
Payout ratio 0.39 0.35 0.30

Size

Metric STBA TCBK Banks Regional median
Market cap 1.71b 1.66b 913.33m

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