MetroCity Bankshares, Inc. (MCBS) vs Southside Bancshares, Inc. (SBSI)

MetroCity Bankshares, Inc. and Southside Bancshares, Inc. are both Banks Regional companies. MetroCity Bankshares, Inc. and Southside Bancshares, Inc. are of similar size ($1.0B and $1.0B). Southside Bancshares, Inc. trades at the lower P/E: 10.4× against 11.8×. MetroCity Bankshares, Inc. grew revenue faster over the last twelve months: 25.4% against 8.51%. MetroCity Bankshares, Inc. has the higher net margin (29.4% vs 21.5%) and the lower return on invested capital (0.00% vs 5.12%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.21% vs 3.15%). Across the 19 metrics below, Southside Bancshares, Inc. leads on 10 and MetroCity Bankshares, Inc. on 9.

Valuation

Metric MCBS SBSI Banks Regional median
P/E 11.75 10.38 12.02
P/S 3.52 2.23 2.36
P/B 1.78 1.22 1.23
Price to free cash flow 21.51 6.62 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.51% 9.63% 8.21%
Free cash flow yield 4.65% 15.10% 9.23%

Profitability

Metric MCBS SBSI Banks Regional median
Gross margin 65.04% 60.37% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 29.38% 21.47% 18.82%
Free cash flow margin 16.55% 33.63% 17.97%
Return on equity 16.87% 11.80% 10.28%
Return on assets 2.11% 1.15% 1.13%
Return on invested capital 0.00% 5.12% 8.45%

Growth

Metric MCBS SBSI Banks Regional median
Revenue growth (TTM) 25.36% 8.51% 6.37%
EPS growth (last fiscal year) 4.76% (21.31%) 18.85%
Revenue growth, 5-year CAGR 18.60% 8.28% 12.65%
Net income growth, 5-year CAGR 13.49% (3.38%) 9.81%

Health

Metric MCBS SBSI Banks Regional median
Debt to equity 0.64 1.31 0.17
Current ratio 0.00 0.79 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric MCBS SBSI Banks Regional median
Dividend yield 3.15% 4.21% 2.49%
Payout ratio 0.37 0.44 0.29

Size

Metric MCBS SBSI Banks Regional median
Market cap 1.04b 1.02b 934.85m

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