Great Southern Bancorp, Inc. (GSBC) vs Southside Bancshares, Inc. (SBSI)

Great Southern Bancorp, Inc. and Southside Bancshares, Inc. are both Banks Regional companies. Great Southern Bancorp, Inc. and Southside Bancshares, Inc. are of similar size ($909.2M and $846.0M). Southside Bancshares, Inc. trades at the lower P/E: 12.1× against 12.9×. Southside Bancshares, Inc. grew revenue faster over the last twelve months: −4.11% against −8.85%. Great Southern Bancorp, Inc. has the higher net margin (20.7% vs 17.6%) and the higher return on invested capital (10.5% vs 5.30%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.72% vs 2.20%). Across the 19 metrics below, Southside Bancshares, Inc. leads on 10 and Great Southern Bancorp, Inc. on 9.

Valuation

Metric GSBC SBSI Banks Regional median
P/E 12.86 12.08 11.98
P/S 2.61 2.12 2.34
P/B 1.32 1.04 1.19
Price to free cash flow 19.17 7.19 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.78% 8.28% 8.23%
Free cash flow yield 5.22% 13.91% 9.08%

Profitability

Metric GSBC SBSI Banks Regional median
Gross margin 69.71% 57.64% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.72% 17.64% 18.66%
Free cash flow margin 13.64% 29.51% 21.11%
Return on equity 10.65% 8.99% 10.65%
Return on assets 1.18% 0.89% 1.13%
Return on invested capital 10.48% 5.30% 8.35%

Growth

Metric GSBC SBSI Banks Regional median
Revenue growth (TTM) (8.85%) (4.11%) 6.98%
EPS growth (last fiscal year) 17.68% (21.31%) 18.88%
Revenue growth, 5-year CAGR 6.28% 8.28% 12.38%
Net income growth, 5-year CAGR 3.65% (3.38%) 9.71%

Health

Metric GSBC SBSI Banks Regional median
Debt to equity 0.04 0.71 0.22
Current ratio 0.93 0.74 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric GSBC SBSI Banks Regional median
Dividend yield 2.20% 4.72% 2.57%
Payout ratio 0.29 0.57 0.30

Size

Metric GSBC SBSI Banks Regional median
Market cap 845.97m 909.15m 913.33m

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