First Financial Corporation Indiana (THFF) vs TrustCo Bank Corp NY (TRST)

First Financial Corporation Indiana and TrustCo Bank Corp NY are both Banks Regional companies. First Financial Corporation Indiana and TrustCo Bank Corp NY are of similar size ($934.5M and $910.8M). First Financial Corporation Indiana trades at the lower P/E: 9.9× against 15.1×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 9.70% against 5.65%. First Financial Corporation Indiana has the higher net margin (24.5% vs 22.8%) and the lower return on invested capital (7.69% vs 162.1%). Both pay a dividend; First Financial Corporation Indiana yields more (2.93% vs 2.71%). Across the 19 metrics below, First Financial Corporation Indiana leads on 16 and TrustCo Bank Corp NY on 3.

Valuation

Metric THFF TRST Banks Regional median
P/E 9.94 15.06 12.02
P/S 2.43 3.30 2.36
P/B 1.38 1.51 1.23
Price to free cash flow 8.91 15.98 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.06% 6.64% 8.21%
Free cash flow yield 11.22% 6.26% 9.23%

Profitability

Metric THFF TRST Banks Regional median
Gross margin 76.33% 69.42% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 24.45% 22.83% 18.82%
Free cash flow margin 27.32% 0.00% 17.97%
Return on equity 14.26% 9.99% 10.28%
Return on assets 1.56% 1.03% 1.13%
Return on invested capital 7.69% 162.05% 8.45%

Growth

Metric THFF TRST Banks Regional median
Revenue growth (TTM) 9.70% 5.65% 6.37%
EPS growth (last fiscal year) 67.00% 26.46% 18.85%
Revenue growth, 5-year CAGR 11.36% 7.33% 12.65%
Net income growth, 5-year CAGR 8.03% 3.11% 9.81%

Health

Metric THFF TRST Banks Regional median
Debt to equity 0.40 0.00 0.17
Current ratio 0.00 1.03 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric THFF TRST Banks Regional median
Dividend yield 2.93% 2.71% 2.49%
Payout ratio 0.29 0.41 0.29

Size

Metric THFF TRST Banks Regional median
Market cap 910.80m 934.50m 934.85m

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