Reviewing Southside Bancshares Inc. (SBSI)’s and City Holding Company (NASDAQ:CHCO)’s results

Both Southside Bancshares Inc. (NASDAQ:SBSI) and City Holding Company (NASDAQ:CHCO) are Regional – Mid-Atlantic Banks companies, competing one another. We will compare their profitability, analyst recommendations, risk, dividends, institutional ownership, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southside Bancshares Inc. 204.40M 5.66 74.14M 2.09 16.60
City Holding Company 201.08M 6.37 69.35M 4.46 17.68

In table 1 we can see Southside Bancshares Inc. and City Holding Company’s gross revenue, earnings per share (EPS) and valuation. City Holding Company has lower revenue, but higher earnings than Southside Bancshares Inc. Company that presently has a lower price-to-earnings ratio means that it is the more affordable of the two businesses. Southside Bancshares Inc.’s current price-to-earnings ratio is lower than that of City Holding Company, which means that it is the affordable of the two.

Profitability

Table 2 represents Southside Bancshares Inc. (NASDAQ:SBSI) and City Holding Company (NASDAQ:CHCO)’s net margins, return on assets and return on equity.

Net Margins Return on Equity Return on Assets
Southside Bancshares Inc. 36.27% 8.2% 1%
City Holding Company 34.49% 13% 1.5%

Volatility & Risk

Southside Bancshares Inc. is 24.00% less volatile than Standard and Poor’s 500 because the stock has a beta of 0.76. From a competition point of view, City Holding Company has a 0.75 beta which is 25.00% less volatile compared to Standard and Poor’s 500.

Dividends

Southside Bancshares Inc. pays out an annual dividend of $1.18 per share while its dividend yield is 3.44%. City Holding Company has an annual dividend pay of $1.98 per share while its annual dividend yield is 2.56%.

Institutional and Insider Ownership

Institutional investors held 51.4% of Southside Bancshares Inc. shares and 65.4% of City Holding Company shares. Insiders held roughly 1.2% of Southside Bancshares Inc.’s shares. Comparatively, insiders own roughly 2.2% of City Holding Company’s shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
Southside Bancshares Inc. -0.17% 5.06% 2.33% -1.89% 2.54% 9.17%
City Holding Company -0.15% 10.03% 2.78% -2.28% 16.81% 16.69%

For the past year Southside Bancshares Inc. has weaker performance than City Holding Company

Summary

City Holding Company beats on 10 of the 14 factors Southside Bancshares Inc.

Southside Bancshares, Inc. operates as a 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 companyÂ’s loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other installment 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 trust services consisting of investment management, administration, and advisory services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. The company operates through 60 branches and 25 motor bank facilities located in Tyler, Longview, Lindale, Gresham, Jacksonville, Bullard, Chandler, Hawkins, Palestine, Gun Barrel City, Athens, Whitehouse, Fort Worth, Arlington, Cleburne, Euless, Flower Mound, Granbury, Grapevine, Irving, Watauga, Weatherford, and Austin; and a network of approximately 70 automated teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company accepts various deposit products, such as checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of a residence; home equity junior lien loans; consumer loans that are secured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services. The company operates through a network of 85 branches in West Virginia, Virginia, Kentucky, and southeastern Ohio. City Holding Company was founded in 1982 and is headquartered in Charleston, West Virginia.