Community Trust Bancorp vs Southside Bancshares
CTBI and SBSI side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CTBI and SBSI compare
Community Trust Bancorp is the larger company, worth 1.2 times as much as Southside Bancshares ($1.3B against $1.0B).
On earnings, Southside Bancshares is cheaper: it trades at 10.2× trailing earnings, against 11.6× for Community Trust Bancorp.
Southside Bancshares grew revenue faster over the last twelve months (15.9% versus 12.9% for Community Trust Bancorp).
Community Trust Bancorp keeps more of each dollar of sales as profit, with a net margin of 36.1% compared with 35.6% at Southside Bancshares.
Both pay dividends: Community Trust Bancorp yields 3.3% and Southside Bancshares 4.3%.
Southside Bancshares scores higher on the StockData Score (18 against 15 for Community Trust Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CTBI | SBSI |
|---|---|---|
| Size and price | ||
| Market cap | $1.3B | $1.0B |
| Share price | $68.98 | $33.66 |
| Change, 1 year | 34.8% | 20.5% |
| Change, 5 years | 50.4% | −23.1% |
| Beta (5Y) | 0.52 | 0.52 |
| Employees | 930 | 781 |
| StockData Score | ||
| Total score | 15 | 18 (better) |
| Valuation score | 1 | 5 (better) |
| Growth score | 2 | 2 |
| Performance score | 5 (better) | 3 |
| Health score | 3 | 3 |
| Dividend score | 4 | 5 (better) |
| Valuation | ||
| P/E | 11.6× | 10.2× (better) |
| P/S | 4.2× | 3.6× (better) |
| P/B | 1.4× | 1.2× (better) |
| P/FCF | 9.6× | 6.5× (better) |
| PEG | 1.98 | – |
| FCF yield | 10.4% | 15.4% (better) |
| Fair value | $63.71 | $36.95 |
| Margin of safety | −8.3% | 8.9% (better) |
| Growth | ||
| Revenue growth (TTM) | 12.9% | 15.9% (better) |
| Revenue growth, 5Y average | 6.6% (better) | 0.00% |
| Net income growth (TTM) | 18.0% | 41.5% (better) |
| EPS growth (TTM) | 17.5% | 43.9% (better) |
| EPS growth, 5Y average | 10.1% (better) | −1.5% |
| Profitability | ||
| Net margin | 36.1% (better) | 35.6% |
| FCF margin | 43.6% | 55.5% (better) |
| Return on equity | 12.7% (better) | 11.8% |
| Financial health | ||
| Altman Z-score | 0.29 (better) | 0.17 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.3% | 4.3% (better) |
| Payout ratio | 35.4% | 43.6% |
| Years of dividend growth | 13 (better) | 0 |
| Dividend growth, 5Y average | 5.5% (better) | 2.1% |
| Buyback yield | −0.11% | – |
| Shareholder yield | 3.2% | 4.3% (better) |
| Ownership | ||
| Held by institutions | 61.9% | 57.2% |
| Held by insiders | 2.1% | 5.3% |
| Insider net buying, 12 months | −$303K | $35.9K (better) |
| Short interest, % of float | 3.5% | 3.5% |
Go deeper
- CTBI stock overview
- CTBI income statement
- CTBI valuation and score
- SBSI stock overview
- SBSI income statement
- SBSI valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.