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Southside Bancshares, Inc. (SBSI) vs TrustCo Bank Corp NY (TRST)

Southside Bancshares, Inc. and TrustCo Bank Corp NY are both Banks Regional companies. Southside Bancshares, Inc. and TrustCo Bank Corp NY are of similar size ($919.8M and $909.2M). Southside Bancshares, Inc. trades at the lower P/E: 12.1× against 15.0×. TrustCo Bank Corp NY grew revenue faster over the last twelve months: 6.12% against −4.11%. TrustCo Bank Corp NY has the higher net margin (22.8% vs 17.6%) and the lower return on invested capital (0.00% vs 5.30%). Both pay a dividend; Southside Bancshares, Inc. yields more (4.72% vs 2.84%). Across the 19 metrics below, Southside Bancshares, Inc. leads on 10 and TrustCo Bank Corp NY on 9.

Valuation

Metric SBSI TRST Banks Regional median
P/E 12.08 15.04 11.98
P/S 2.12 3.29 2.34
P/B 1.04 1.43 1.19
Price to free cash flow 7.19 15.71 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.28% 6.65% 8.23%
Free cash flow yield 13.91% 6.37% 9.08%

Profitability

Metric SBSI TRST Banks Regional median
Gross margin 57.64% 68.91% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.64% 22.76% 18.66%
Free cash flow margin 29.51% 20.92% 21.11%
Return on equity 8.99% 9.65% 10.65%
Return on assets 0.89% 1.01% 1.13%
Return on invested capital 5.30% 0.00% 8.35%

Growth

Metric SBSI TRST Banks Regional median
Revenue growth (TTM) (4.11%) 6.12% 6.98%
EPS growth (last fiscal year) (21.31%) 26.46% 18.88%
Revenue growth, 5-year CAGR 8.28% 7.33% 12.38%
Net income growth, 5-year CAGR (3.38%) 3.11% 9.71%

Health

Metric SBSI TRST Banks Regional median
Debt to equity 0.71 0.00 0.22
Current ratio 0.74 1.03 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric SBSI TRST Banks Regional median
Dividend yield 4.72% 2.84% 2.57%
Payout ratio 0.57 0.43 0.30

Size

Metric SBSI TRST Banks Regional median
Market cap 909.15m 919.83m 913.33m

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