Five Star Bancorp (FSBC) vs Southside Bancshares, Inc. (SBSI)

Five Star Bancorp and Southside Bancshares, Inc. are both Banks Regional companies. Five Star Bancorp 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 12.4×. Five Star Bancorp grew revenue faster over the last twelve months: 18.1% against 8.51%. Five Star Bancorp has the higher net margin (26.6% vs 21.5%) and the higher return on invested capital (10.5% vs 5.12%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.21% vs 2.28%). Across the 19 metrics below, Five Star Bancorp leads on 11 and Southside Bancshares, Inc. on 8.

Valuation

Metric FSBC SBSI Banks Regional median
P/E 12.42 10.38 12.02
P/S 3.55 2.23 2.36
P/B 1.68 1.22 1.23
Price to free cash flow 11.76 6.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.05% 9.63% 8.21%
Free cash flow yield 8.50% 15.10% 9.23%

Profitability

Metric FSBC SBSI Banks Regional median
Gross margin 64.80% 60.37% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 26.58% 21.47% 18.82%
Free cash flow margin 30.17% 33.63% 17.97%
Return on equity 14.80% 11.80% 10.28%
Return on assets 1.52% 1.15% 1.13%
Return on invested capital 10.50% 5.12% 8.45%

Growth

Metric FSBC SBSI Banks Regional median
Revenue growth (TTM) 18.14% 8.51% 6.37%
EPS growth (last fiscal year) 28.32% (21.31%) 18.85%
Revenue growth, 5-year CAGR 25.01% 8.28% 12.65%
Net income growth, 5-year CAGR 11.39% (3.38%) 9.81%

Health

Metric FSBC SBSI Banks Regional median
Debt to equity 0.00 1.31 0.17
Current ratio 1.06 0.79 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FSBC SBSI Banks Regional median
Dividend yield 2.28% 4.21% 2.49%
Payout ratio 0.28 0.44 0.29

Size

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

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