Eagle Bancorp, Inc. (EGBN) vs Southside Bancshares, Inc. (SBSI)

Eagle Bancorp, Inc. and Southside Bancshares, Inc. are both Banks Regional companies. Eagle Bancorp, Inc. and Southside Bancshares, Inc. are of similar size ($909.2M and $854.2M). Eagle Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Southside Bancshares, Inc. trades at 12.1×. Southside Bancshares, Inc. grew revenue faster over the last twelve months: −4.11% against −11.5%. Southside Bancshares, Inc. has the higher net margin (17.6% vs −8.11%) and the higher return on invested capital (5.30% vs −6.83%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.72% vs 0.14%). Across the 18 metrics below, Southside Bancshares, Inc. leads on 13 and Eagle Bancorp, Inc. on 5.

Valuation

Metric EGBN SBSI Banks Regional median
P/E n/m 12.08 11.98
P/S 1.45 2.12 2.34
P/B 0.75 1.04 1.19
Price to free cash flow 16.31 7.19 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (5.64%) 8.28% 8.23%
Free cash flow yield 6.13% 13.91% 9.08%

Profitability

Metric EGBN SBSI Banks Regional median
Gross margin 50.46% 57.64% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin (8.11%) 17.64% 18.66%
Free cash flow margin 8.87% 29.51% 21.11%
Return on equity (4.14%) 8.99% 10.65%
Return on assets (0.48%) 0.89% 1.13%
Return on invested capital (6.83%) 5.30% 8.35%

Growth

Metric EGBN SBSI Banks Regional median
Revenue growth (TTM) (11.50%) (4.11%) 6.98%
EPS growth (last fiscal year) (169.87%) (21.31%) 18.88%
Revenue growth, 5-year CAGR 7.78% 8.28% 12.38%
Net income growth, 5-year CAGR 0.00% (3.38%) 9.71%

Health

Metric EGBN SBSI Banks Regional median
Debt to equity 0.07 0.71 0.22
Current ratio 0.87 0.74 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EGBN SBSI Banks Regional median
Dividend yield 0.14% 4.72% 2.57%
Payout ratio — 0.57 0.30

Size

Metric EGBN SBSI Banks Regional median
Market cap 854.17m 909.15m 913.33m

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