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 better investment? We will compare the two businesses based on the strength of their dividends, risk, earnings, profitability, institutional ownership, valuation and analyst recommendations.
Institutional and Insider Ownership
55.7% of Southside Bancshares shares are held by institutional investors. 3.8% of FB Bancorp shares are held by insiders. Comparatively, 5.1% of Southside Bancshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Recommendations
This is a summary of current recommendations and price targets for FB Bancorp and Southside Bancshares, as provided by MarketBeat.
| 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 |
Risk and Volatility
FB Bancorp has a beta of -0.08, suggesting that its stock price is 108% less volatile than the S&P 500. Comparatively, Southside Bancshares has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500.
Valuation & Earnings
This table compares FB Bancorp and Southside Bancshares”s gross 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.
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