CNB Financial Corporation (CCNE) vs Southside Bancshares, Inc. (SBSI)

CNB Financial Corporation and Southside Bancshares, Inc. are both Banks Regional companies. CNB Financial Corporation and Southside Bancshares, Inc. are of similar size ($1.1B and $1.0B). Southside Bancshares, Inc. trades at the lower P/E: 10.4× against 10.7×. CNB Financial Corporation grew revenue faster over the last twelve months: 26.1% against 8.51%. Southside Bancshares, Inc. has the higher net margin (21.5% vs 0.00%) and the higher return on invested capital (5.12% vs 0.00%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.21% vs 2.08%). Across the 19 metrics below, Southside Bancshares, Inc. leads on 11 and CNB Financial Corporation on 8.

Valuation

Metric CCNE SBSI Banks Regional median
P/E 10.69 10.38 12.02
P/S 2.10 2.23 2.36
P/B 1.24 1.22 1.23
Price to free cash flow 11.68 6.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.36% 9.63% 8.21%
Free cash flow yield 8.56% 15.10% 9.23%

Profitability

Metric CCNE SBSI Banks Regional median
Gross margin 68.60% 60.37% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 21.47% 18.82%
Free cash flow margin 18.01% 33.63% 17.97%
Return on equity 0.00% 11.80% 10.28%
Return on assets 0.00% 1.15% 1.13%
Return on invested capital 0.00% 5.12% 8.45%

Growth

Metric CCNE SBSI Banks Regional median
Revenue growth (TTM) 26.13% 8.51% 6.37%
EPS growth (last fiscal year) 4.18% (21.31%) 18.85%
Revenue growth, 5-year CAGR 17.24% 8.28% 12.65%
Net income growth, 5-year CAGR 14.27% (3.38%) 9.81%

Health

Metric CCNE SBSI Banks Regional median
Debt to equity 0.06 1.31 0.17
Current ratio 0.96 0.79 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CCNE SBSI Banks Regional median
Dividend yield 2.08% 4.21% 2.49%
Payout ratio 0.22 0.44 0.29

Size

Metric CCNE SBSI Banks Regional median
Market cap 1.07b 1.02b 934.85m

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