Southside Bancshares, Inc. (SBSI) vs First Financial Corporation Indiana (THFF)

Southside Bancshares, Inc. and First Financial Corporation Indiana are both Banks Regional companies. Southside Bancshares, Inc. and First Financial Corporation Indiana are of similar size ($909.2M and $876.8M). First Financial Corporation Indiana trades at the lower P/E: 10.4× against 12.1×. First Financial Corporation Indiana grew revenue faster over the last twelve months: 8.15% against −4.11%. First Financial Corporation Indiana has the higher net margin (23.3% vs 17.6%) and the higher return on invested capital (7.53% vs 5.30%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.72% vs 3.02%). Across the 19 metrics below, First Financial Corporation Indiana leads on 13 and Southside Bancshares, Inc. on 6.

Valuation

Metric SBSI THFF Banks Regional median
P/E 12.08 10.38 11.98
P/S 2.12 2.42 2.34
P/B 1.04 1.30 1.19
Price to free cash flow 7.19 9.48 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.28% 9.64% 8.23%
Free cash flow yield 13.91% 10.55% 9.08%

Profitability

Metric SBSI THFF Banks Regional median
Gross margin 57.64% 76.02% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.64% 23.32% 18.66%
Free cash flow margin 29.51% 25.60% 21.11%
Return on equity 8.99% 13.42% 10.65%
Return on assets 0.89% 1.44% 1.13%
Return on invested capital 5.30% 7.53% 8.35%

Growth

Metric SBSI THFF Banks Regional median
Revenue growth (TTM) (4.11%) 8.15% 6.98%
EPS growth (last fiscal year) (21.31%) 67.00% 18.88%
Revenue growth, 5-year CAGR 8.28% 11.36% 12.38%
Net income growth, 5-year CAGR (3.38%) 8.03% 9.71%

Health

Metric SBSI THFF Banks Regional median
Debt to equity 0.71 0.43 0.22
Current ratio 0.74 0.88 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SBSI THFF Banks Regional median
Dividend yield 4.72% 3.02% 2.57%
Payout ratio 0.57 0.31 0.30

Size

Metric SBSI THFF Banks Regional median
Market cap 909.15m 876.79m 913.33m

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