Analyzing Southside Bancshares (SBSI) & Premier Financial Bancorp (PFBI)

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Southside Bancshares (NASDAQ:SBSI) and Premier Financial Bancorp (NASDAQ:PFBI) are both small-cap finance companies, but which is the better stock? We will compare the two businesses based on the strength of their valuation, earnings, profitability, analyst recommendations, risk, institutional ownership and dividends.

Dividends

Southside Bancshares pays an annual dividend of $1.20 per share and has a dividend yield of 3.7%. Premier Financial Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 3.6%. Southside Bancshares pays out 63.5% of its earnings in the form of a dividend. Southside Bancshares has raised its dividend for 20 consecutive years and Premier Financial Bancorp has raised its dividend for 2 consecutive years. Southside Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Volatility & Risk

Southside Bancshares has a beta of 0.84, meaning that its stock price is 16% less volatile than the S&P 500. Comparatively, Premier Financial Bancorp has a beta of 0.42, meaning that its stock price is 58% less volatile than the S&P 500.

Insider & Institutional Ownership

51.4% of Southside Bancshares shares are owned by institutional investors. Comparatively, 30.5% of Premier Financial Bancorp shares are owned by institutional investors. 6.1% of Southside Bancshares shares are owned by company insiders. Comparatively, 12.9% of Premier Financial Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Southside Bancshares and Premier Financial Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Southside Bancshares 25.71% 9.25% 1.10%
Premier Financial Bancorp 25.42% 9.96% 1.21%

Earnings & Valuation

This table compares Southside Bancshares and Premier Financial Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Southside Bancshares $224.95 million 5.09 $54.31 million $1.89 17.23
Premier Financial Bancorp $70.64 million 3.44 $14.81 million N/A N/A

Southside Bancshares has higher revenue and earnings than Premier Financial Bancorp.

Analyst Ratings

This is a breakdown of current ratings for Southside Bancshares and Premier Financial Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Southside Bancshares 0 1 0 0 2.00
Premier Financial Bancorp 0 0 0 0 N/A

Southside Bancshares currently has a consensus price target of $37.00, suggesting a potential upside of 13.64%. Given Southside Bancshares’ higher probable upside, equities analysts plainly believe Southside Bancshares is more favorable than Premier Financial Bancorp.

Summary

Southside Bancshares beats Premier Financial Bancorp on 10 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 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 40 motor bank facilities located in Tyler, Longview, Lindale, Gresham, Jacksonville, Bullard, Chandler, Hawkins, Palestine, Gun Barrel City, Whitehouse, Fort Worth, Arlington, Cleburne, Euless, Flower Mound, Frisco, Granbury, Grapevine, Irving, Watauga, Weatherford, Austin, Diboll, Lufkin, Nacogdoches, Cleveland, Splendora, Jasper, Pineland, Hemphill, and San Augustine; and a network of approximately 84 automated teller machines, as well as trust services, and/or loan production or other financial services offices. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

About Premier Financial Bancorp

Premier Financial Bancorp, Inc., a multi-bank holding company, provides community banking services to individuals and small-to-medium sized businesses. The company accepts various deposit products, including checking, NOW, savings, money market, club, individual retirement, and overdraft protection accounts, as well as certificates of deposit. Its loan products include loans for purchasing personal residences or loans for commercial or consumer purposes secured by residential mortgages; financing for automobile; personal loans, such as unsecured lines of credit; commercial loans that are secured by business assets consisting of real estate, equipment, inventory, and accounts receivable; real estate development loans; commercial real estate loans; and agricultural loans. The company also provides depository and funds transfer services; collections; safe deposit boxes; cash management services; and bill payment, remote deposits, and telephone banking services. As of March 5, 2018, it operated 10 banking offices in Kentucky, 3 banking offices in Ohio, 24 banking offices in West Virginia, 4 banking offices in Washington DC, 1 banking offices in Maryland, and 3 banking offices in Virginia. Premier Financial Bancorp, Inc. was founded in 1991 and is headquartered in Huntington, West Virginia.

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