NB Bancorp, Inc. (NBBK) vs Southside Bancshares, Inc. (SBSI)

NB Bancorp, Inc. and Southside Bancshares, Inc. are both Banks Regional companies. NB Bancorp, Inc. and Southside Bancshares, Inc. are of similar size ($921.1M and $918.6M). Southside Bancshares, Inc. trades at the lower P/E: 12.2× against 14.9×. NB Bancorp, Inc. grew revenue faster over the last twelve months: 27.9% against −4.11%. Southside Bancshares, Inc. has the higher net margin (17.6% vs 14.3%) and the lower return on invested capital (5.30% vs 10.1%). Across the 17 metrics below, Southside Bancshares, Inc. leads on 9 and NB Bancorp, Inc. on 8.

Valuation

Metric NBBK SBSI Banks Regional median
P/E 14.87 12.24 12.15
P/S 2.16 2.15 2.37
P/B 1.07 1.05 1.21
Price to free cash flow 11.50 7.28 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.64 2.68 2.27
Earnings yield 6.73% 8.17% 8.11%
Free cash flow yield 8.70% 13.73% 8.98%

Profitability

Metric NBBK SBSI Banks Regional median
Gross margin 62.48% 57.64% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 14.27% 17.64% 18.66%
Free cash flow margin 18.82% 29.51% 21.18%
Return on equity 7.49% 8.99% 10.64%
Return on assets 0.93% 0.89% 1.13%
Return on invested capital 10.08% 5.30% 8.33%

Growth

Metric NBBK SBSI Banks Regional median
Revenue growth (TTM) 27.92% (4.11%) 6.61%
EPS growth (last fiscal year) 25.23% (21.31%) —
Revenue growth, 5-year CAGR — 8.28% 12.30%
Net income growth, 5-year CAGR — (3.38%) 9.71%

Health

Metric NBBK SBSI Banks Regional median
Debt to equity 0.22 0.71 0.22
Current ratio 1.06 0.74 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NBBK SBSI Banks Regional median
Dividend yield — 4.90% 3.75%
Payout ratio — 0.41 0.27

Size

Metric NBBK SBSI Banks Regional median
Market cap 918.64m 921.07m 921.07m

Compare with another peer

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