Capitol Federal Financial (CFFN) vs Southside Bancshares, Inc. (SBSI)

Capitol Federal Financial and Southside Bancshares, Inc. are both Banks Regional companies. Capitol Federal Financial 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 13.1×. Southside Bancshares, Inc. grew revenue faster over the last twelve months: 8.51% against 7.53%. Southside Bancshares, Inc. has the higher net margin (21.5% vs 18.7%) and the higher return on invested capital (5.12% vs 2.54%). Both pay a dividend; Capitol Federal Financial yields more (4.99% vs 4.21%). Across the 19 metrics below, Southside Bancshares, Inc. leads on 14 and Capitol Federal Financial on 5.

Valuation

Metric CFFN SBSI Banks Regional median
P/E 13.09 10.38 12.02
P/S 2.38 2.23 2.36
P/B 1.03 1.22 1.23
Price to free cash flow 14.75 6.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.64% 9.63% 8.21%
Free cash flow yield 6.78% 15.10% 9.23%

Profitability

Metric CFFN SBSI Banks Regional median
Gross margin 51.74% 60.37% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.67% 21.47% 18.82%
Free cash flow margin 16.14% 33.63% 17.97%
Return on equity 8.00% 11.80% 10.28%
Return on assets 0.85% 1.15% 1.13%
Return on invested capital 2.54% 5.12% 8.45%

Growth

Metric CFFN SBSI Banks Regional median
Revenue growth (TTM) 7.53% 8.51% 6.37%
EPS growth (last fiscal year) 79.31% (21.31%) 18.85%
Revenue growth, 5-year CAGR 5.30% 8.28% 12.65%
Net income growth, 5-year CAGR 1.03% (3.38%) 9.81%

Health

Metric CFFN SBSI Banks Regional median
Debt to equity 1.60 1.31 0.17
Current ratio 1.20 0.79 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CFFN SBSI Banks Regional median
Dividend yield 4.99% 4.21% 2.49%
Payout ratio 0.65 0.44 0.29

Size

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

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack