Analyzing Bank of Santa Clarita (OTCMKTS:BSCA) & Southside Bancshares (NYSE:SBSI)

Bank of Santa Clarita (OTCMKTS:BSCA) and Southside Bancshares (NYSE:SBSI) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.

Valuation and Earnings

This table compares Bank of Santa Clarita and Southside Bancshares”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of Santa Clarita	N/A	N/A	N/A	N/A	N/A
Southside Bancshares	$419.03 million	2.30	$69.18 million	$2.36	13.74

Southside Bancshares has higher revenue and earnings than Bank of Santa Clarita.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Bank of Santa Clarita and Southside Bancshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Santa Clarita	0	0	0	0	0.00
Southside Bancshares	0	5	0	0	2.00

Southside Bancshares has a consensus target price of $35.00, suggesting a potential upside of 7.97%. Given Southside Bancshares’ stronger consensus rating and higher possible upside, analysts clearly believe Southside Bancshares is more favorable than Bank of Santa Clarita.

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. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Bank of Santa Clarita and Southside Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of Santa Clarita	N/A	N/A	N/A
Southside Bancshares	15.85%	10.81%	1.06%

Summary

Southside Bancshares beats Bank of Santa Clarita on 8 of the 8 factors compared between the two stocks.

About Bank of Santa Clarita

Bank of Santa Clarita engages in the provision of banking and financial services. It offers real estate, small business administration, commercial and consumer loans, consumer and business checking accounts, savings accounts, certificates of deposit, trade finance, and money transfers. The company was founded by Frank D. Di Tomaso on October 26, 2004 and is headquartered in Santa Clarita, CA.

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.