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BancorpSouth Bank (BXS)
Key financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 685 | 703 | 703 | 779 | 806 | 919 | 985 |
| Operating profit | $m | 396 | 457 | |||||
| Net profit | $m | 127 | 133 | 153 | 221 | 234 | 228 | 299 |
| EPS reported | $ | 2.25 | 2.84 | |||||
| Operating cashflow per share | $ | 2.23 | 2.23 | |||||
| Capex per share | $ | 0.55 | 0.55 | |||||
| FCF per share | $ | 1.68 | 1.68 | |||||
| Free cash flow | $m | 171 | 261 | |||||
| Net debt | $m | -6,347 | -10,194 | |||||
| Book value equity | $m | 2,822 | 3,023 | |||||
| Book value per share | $ | 27.81 | 27.93 | |||||
| Number of shares | m | 101.51 | 108.25 | |||||
| DPS (TTM paid) | $ | 0.56 | 0.00 |
Financial summary
Financials in USD| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 12.20 | - | |||||
| P/B LTM | x | 0.99 | 1.74 | |||||
| P/S LTM | x | 3.03 | 5.33 | |||||
| P/FCF LTM | x | 16.32 | 20.14 | |||||
| EV/EBITDA LTM | x | 6.08 | -9.86 | |||||
| EV/Sales LTM | x | 2.60 | -5.02 | |||||
| Earnings Yield LTM | % | 8.20% | 7.81% | |||||
| FCF Yield | % | 6.13% | 4.97% | |||||
| Quality | ||||||||
| ROE | % | 8.08% | 8.28% | |||||
| ROIC | % | 1.31% | 1.31% | |||||
| Operating margin | % | 38.55% | 38.55% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 16.61% | 16.61% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | -2.17% | +30.88% | |||||
| Sales Growth YoY | % | +14.08% | +9.73% | |||||
| Net Income Growth YoY | % | -2.65% | +32.67% | |||||
| FCF Growth | % | -7.56% | +27.55% | |||||
| Operating Profit Growth | % | -6.72% | +12.21% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.04% | 0.00% | |||||
| Dividend Growth | % | -21.13% | - | |||||
| Payout Ratio | % | 24.93% | 0.00% | |||||
| FCF/Debt | x | 0.57 | 0.84 | |||||
| Net Debt/EBITDA | x | -0.26 | -0.26 | |||||
| EBIT/Net interest | x | 3.65 | 3.65 | |||||
| Net debt/market cap | % | -227.86% | -194.25% | |||||
| Net debt/Equity | x | -2.25 | -3.37 | |||||
| Gross debt/equity | x | 0.11 | 0.10 | |||||
Company overview
Headquartered in Tupelo, Mississippi, and established in 1876, BancorpSouth Bank delivers a comprehensive suite of commercial banking and financial services. It primarily serves individuals and small to mid-sized businesses across a multi-state footprint spanning Alabama, Arkansas, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee, and Texas. The institution's operations are structured through key segments including Banking Services, Mortgage, Insurance Agencies, Wealth Management, and General Corporate functions. Customers have access to a variety of deposit products, such as both interest-bearing and non-interest-bearing demand accounts, savings accounts, and other time deposits. BancorpSouth's lending portfolio is extensive, offering diverse commercial loans like term financing, credit lines, equipment and receivable funding, and agricultural loans. It also provides short-to-medium term, secured and unsecured commercial loans to businesses for working capital, expansion projects, and the purchase of machinery or equipment. Real estate developers can secure construction loans for residential subdivision acquisition, development, and building. For individual borrowers, the bank extends fixed and adjustable-rate residential mortgage loans for owner-occupied properties, residential construction financing, second mortgages, and home equity lines of credit. Its consumer lending products further include loans for automobiles, recreational vehicles, boats, personal expenses, and those secured by deposits, alongside credit card services. Beyond traditional banking, the company acts as an insurance agent, providing commercial lines, property and casualty, life, health, and employee benefits products and services. Additional financial offerings encompass credit-related solutions, comprehensive trust and investment management, asset management, retirement and savings planning, and estate planning services, including annuity products.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
BancorpSouth Bank (BXS)
Headquartered in Tupelo, Mississippi, and established in 1876, BancorpSouth Bank delivers a comprehensive suite of commercial banking and financial services. It primarily serves individuals and small to mid-sized businesses across a multi-state footprint spanning Alabama, Arkansas, Florida, Illinois, Louisiana, Mississippi, Missouri, Tennessee, and Texas. The institution's operations are structured through key segments including Banking Services, Mortgage, Insurance Agencies, Wealth Management, and General Corporate functions. Customers have access to a variety of deposit products, such as both interest-bearing and non-interest-bearing demand accounts, savings accounts, and other time deposits. BancorpSouth's lending portfolio is extensive, offering diverse commercial loans like term financing, credit lines, equipment and receivable funding, and agricultural loans. It also provides short-to-medium term, secured and unsecured commercial loans to businesses for working capital, expansion projects, and the purchase of machinery or equipment. Real estate developers can secure construction loans for residential subdivision acquisition, development, and building. For individual borrowers, the bank extends fixed and adjustable-rate residential mortgage loans for owner-occupied properties, residential construction financing, second mortgages, and home equity lines of credit. Its consumer lending products further include loans for automobiles, recreational vehicles, boats, personal expenses, and those secured by deposits, alongside credit card services. Beyond traditional banking, the company acts as an insurance agent, providing commercial lines, property and casualty, life, health, and employee benefits products and services. Additional financial offerings encompass credit-related solutions, comprehensive trust and investment management, asset management, retirement and savings planning, and estate planning services, including annuity products.
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