Southside Bancshares (NYSE:SBSI – Get Free Report) and FB Bancorp (NASDAQ:FBLA – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, dividends, analyst recommendations, valuation and risk.
Profitability
This table compares Southside Bancshares and FB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Southside Bancshares | 16.70% | 11.16% | 1.11% |
| FB Bancorp | -0.36% | 0.91% | 0.22% |
Valuation and Earnings
This table compares Southside Bancshares and FB Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Southside Bancshares | $248.21 million | 3.86 | $69.18 million | $2.54 | 12.65 |
| FB Bancorp | $69.94 million | 3.64 | $1.25 million | ($0.01) | -1,598.00 |
Southside Bancshares has higher revenue and earnings than FB Bancorp. FB Bancorp is trading at a lower price-to-earnings ratio than Southside Bancshares, indicating that it is currently the more affordable of the two stocks.
Volatility & Risk
Southside Bancshares has a beta of 0.58, indicating that its stock price is 42% less volatile than the S&P 500. Comparatively, FB Bancorp has a beta of -0.08, indicating that its stock price is 108% less volatile than the S&P 500.
Insider and Institutional Ownership
55.7% of Southside Bancshares shares are held by institutional investors. 5.1% of Southside Bancshares shares are held by insiders. Comparatively, 3.8% of FB Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Analyst Ratings
This is a summary of current recommendations and price targets for Southside Bancshares and FB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Southside Bancshares | 1 | 5 | 1 | 0 | 2.00 |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Southside Bancshares currently has a consensus target price of $34.75, indicating a potential upside of 8.15%. Given Southside Bancshares’ stronger consensus rating and higher possible upside, analysts clearly believe Southside Bancshares is more favorable than FB Bancorp.
Summary
Southside Bancshares beats FB Bancorp on 14 of the 14 factors compared between the two stocks.
About Southside Bancshares
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company’s loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also offers wealth management and trust services consisting of investment management, administration, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
About FB Bancorp
FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.
Receive News & Ratings for Southside Bancshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Southside Bancshares and related companies with MarketBeat.com's FREE daily email newsletter.
