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Business First Bancshares, Inc. (BFST) vs Southside Bancshares, Inc. (SBSI)

Business First Bancshares, Inc. and Southside Bancshares, Inc. are both Banks Regional companies. Business First Bancshares, Inc. and Southside Bancshares, Inc. are of similar size ($1.0B and $1.0B). Business First Bancshares, Inc. trades at the lower P/E: 11.3× against 13.3×. Business First Bancshares, Inc. grew revenue faster over the last twelve months: 7.80% against −4.11%. Southside Bancshares, Inc. has the higher net margin (17.6% vs 16.3%) and the lower return on invested capital (5.30% vs 8.41%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.31% vs 2.36%). Across the 19 metrics below, Business First Bancshares, Inc. leads on 14 and Southside Bancshares, Inc. on 5.

Valuation

Metric BFST SBSI Banks Regional median
P/E 11.28 13.25 12.28
P/S 1.93 2.33 2.37
P/B 1.11 1.14 1.21
Price to free cash flow 10.04 7.89 11.06
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.87% 7.55% 8.02%
Free cash flow yield 9.96% 12.68% 8.80%

Profitability

Metric BFST SBSI Banks Regional median
Gross margin 64.32% 57.64% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.32% 17.64% 18.68%
Free cash flow margin 19.24% 29.51% 21.11%
Return on equity 10.22% 8.99% 10.64%
Return on assets 1.04% 0.89% 1.13%
Return on invested capital 8.41% 5.30% 8.33%

Growth

Metric BFST SBSI Banks Regional median
Revenue growth (TTM) 7.80% (4.11%) 6.80%
EPS growth (last fiscal year) 23.45% (21.31%) 18.82%
Revenue growth, 5-year CAGR 24.70% 8.28% 12.56%
Net income growth, 5-year CAGR 22.42% (3.38%) 9.83%

Health

Metric BFST SBSI Banks Regional median
Debt to equity 0.56 0.71 0.21
Current ratio 1.01 0.74 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BFST SBSI Banks Regional median
Dividend yield 2.36% 4.31% 2.69%
Payout ratio 0.27 0.57 0.32

Size

Metric BFST SBSI Banks Regional median
Market cap 1.03b 1.00b 921.62m

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