Southside Bancshares vs First Financial
SBSI and THFF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How SBSI and THFF compare
Southside Bancshares and First Financial are about the same size, with market caps of $1.0B and $910M.
On earnings, Southside Bancshares is cheaper: it trades at 10.2× trailing earnings, against 10.7× for First Financial.
Southside Bancshares grew revenue faster over the last twelve months (15.9% versus 12.4% for First Financial).
Southside Bancshares keeps more of each dollar of sales as profit, with a net margin of 35.6% compared with 30.7% at First Financial.
Both pay dividends: Southside Bancshares yields 4.3% and First Financial 2.9%.
Southside Bancshares scores higher on the StockData Score (18 against 15 for First Financial), 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 | SBSI | THFF |
|---|---|---|
| Size and price | ||
| Market cap | $1.0B | $910M |
| Share price | $33.66 | $76.55 |
| Change, 1 year | 20.5% | 43.2% |
| Change, 5 years | −23.1% | 69.5% |
| Beta (5Y) | 0.52 | 0.55 |
| Employees | 781 | 946 |
| StockData Score | ||
| Total score | 18 (better) | 15 |
| Valuation score | 5 (better) | 2 |
| Growth score | 2 | 2 |
| Performance score | 3 | 5 (better) |
| Health score | 3 | 3 |
| Dividend score | 5 (better) | 3 |
| Valuation | ||
| P/E | 10.2× (better) | 10.7× |
| P/S | 3.6× | 3.3× (better) |
| P/B | 1.2× (better) | 1.3× |
| P/FCF | 6.5× (better) | 9.8× |
| PEG | – | 2.28 |
| FCF yield | 15.4% (better) | 10.2% |
| Fair value | $36.95 | $72.36 |
| Margin of safety | 8.9% (better) | −5.8% |
| Growth | ||
| Revenue growth (TTM) | 15.9% (better) | 12.4% |
| Revenue growth, 5Y average | 0.00% | 6.8% (better) |
| Net income growth (TTM) | 41.5% (better) | 36.8% |
| EPS growth (TTM) | 43.9% (better) | 36.5% |
| EPS growth, 5Y average | −1.5% | 11.2% (better) |
| Profitability | ||
| Net margin | 35.6% (better) | 30.7% |
| FCF margin | 55.5% (better) | 33.7% |
| Return on equity | 11.8% | 13.4% (better) |
| Financial health | ||
| Altman Z-score | 0.17 | 0.32 (better) |
| Piotroski F-score | 5 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 4.3% (better) | 2.9% |
| Payout ratio | 43.6% | 30.0% |
| Years of dividend growth | 0 | 2 (better) |
| Dividend growth, 5Y average | 2.1% | 14.8% (better) |
| Buyback yield | – | 0.04% |
| Shareholder yield | 4.3% (better) | 3.0% |
| Ownership | ||
| Held by institutions | 57.2% | 81.6% |
| Held by insiders | 5.3% | 8.6% |
| Insider net buying, 12 months | $35.9K (better) | −$135K |
| Short interest, % of float | 3.5% | 3.9% |
Go deeper
- SBSI stock overview
- SBSI income statement
- SBSI valuation and score
- THFF stock overview
- THFF income statement
- THFF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.