FB Bancorp (NASDAQ:FBLA – Get Free Report) and Southside Bancshares (NYSE:SBSI – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, risk, analyst recommendations, dividends, valuation, profitability and institutional ownership.
Volatility & Risk
FB Bancorp has a beta of -0.08, meaning that its stock price is 108% less volatile than the S&P 500. Comparatively, Southside Bancshares has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500.
Institutional and Insider Ownership
55.7% of Southside Bancshares shares are owned by institutional investors. 3.8% of FB Bancorp shares are owned by company insiders. Comparatively, 5.1% of Southside Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
| Southside Bancshares | 1 | 5 | 1 | 0 | 2.00 |
Southside Bancshares has a consensus target price of $34.75, indicating a potential upside of 5.91%. Given Southside Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Southside Bancshares is more favorable than FB Bancorp.
Earnings & Valuation
This table compares FB Bancorp and Southside Bancshares”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FB Bancorp | $69.94 million | 3.65 | $1.25 million | ($0.01) | -1,599.00 |
| Southside Bancshares | $419.03 million | 2.33 | $69.18 million | $2.54 | 12.92 |
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.
Profitability
This table compares FB Bancorp and Southside Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FB Bancorp | -0.36% | 0.91% | 0.22% |
| Southside Bancshares | 16.70% | 11.16% | 1.11% |
Summary
Southside Bancshares beats FB Bancorp on 13 of the 14 factors compared between the two stocks.
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.
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.
Receive News & Ratings for FB Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for FB Bancorp and related companies with MarketBeat.com's FREE daily email newsletter.
