BXS:NYE-BancorpSouth Bank (USD)

COMMON STOCK | Banks—Regional | NYE

Last Closing Price

USD 18.04

Change

-0.16 (-0.88)%

Market Cap

USD 1.90B

Volume

0.98M

Average Target Price

USD 33.17 (+83.85%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

BancorpSouth Bank provides commercial banking and financial services to individuals and small-to-medium size businesses. It offers various deposit products, including interest and noninterest bearing demand deposits, and saving and other time deposits. The company also provides commercial loans, including term loans, lines of credit, equipment and receivable financing, and agricultural loans; a range of short-to-medium term secured and unsecured commercial loans to businesses for working capital, business expansion, and the purchase of equipment and machinery; and construction loans to real estate developers for the acquisition, development, and construction of residential subdivisions. In addition, it offers fixed and adjustable rate residential mortgage loans secured by owner-occupied property; residential construction loans; second mortgage loans; and home equity lines of credit, as well as non-residential consumer loans that consist of automobile, recreation vehicle, boat, personal, and deposit account secured loans, as well as issues credit cards. Further, the company operates as an agent for the sale of commercial lines of insurance; and a line of property and casualty, life, health, and employee benefits products and services. Additionally, it provides investment brokerage, and personal trust and estate services. As of April 25, 2018, the company operated through 279 full service branch locations, as well mortgage, insurance, and loan production offices in Alabama, Arkansas, Florida, Louisiana, Mississippi, Missouri, Tennessee, Texas, and Illinois. The company was formerly known as BancorpSouth, Inc. and changed its name to BancorpSouth Bank in October 2017. BancorpSouth Bank was founded in 1876 and is headquartered in Tupelo, Mississippi.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-03-27 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
USB-PM U.S. Bancorp

-0.55 (-2.05%)

USD81.03B 6.45 N/A
USB-PH U.S. Bancorp

-0.51 (-2.72%)

USD77.15B 4.50 N/A
HDB HDFC Bank Limited

-1.91 (-4.63%)

USD67.60B 79.65 N/A
USB U.S. Bancorp

-0.41 (-1.13%)

USD48.73B 7.70 N/A
ITUB Itau Unibanco Holding S.A

-0.33 (-6.73%)

USD44.44B 7.66 N/A
PNC The PNC Financial Services Gro..

-2.79 (-2.71%)

USD42.93B 8.80 N/A
BBD Banco Bradesco S.A

-0.39 (-8.74%)

USD33.07B 6.37 N/A
MFG Mizuho Financial Group, Inc

-0.05 (-2.02%)

USD32.19B 5.59 N/A
BBDO Banco Bradesco S.A

-0.11 (-2.89%)

USD31.82B 5.43 N/A
LYG Lloyds Banking Group plc

-0.11 (-6.18%)

USD29.78B 5.93 N/A

ETFs Containing BXS

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks—Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -42.57% 45% F 24% F
Dividend Return 0.59% 38% F 33% F
Total Return -41.98% 45% F 24% F
Trailing 12 Months  
Capital Gain -36.61% 59% F 29% F
Dividend Return 2.55% 40% F 58% F
Total Return -34.07% 57% F 29% F
Trailing 5 Years  
Capital Gain -20.42% 56% F 49% F
Dividend Return 12.22% 36% F 47% F
Total Return -8.20% 53% F 45% F
Average Annual (5 Year Horizon)  
Capital Gain 6.74% 40% F 69% D+
Dividend Return 1.95% 41% F 43% F
Total Return 8.69% 40% F 66% D
Risk Return Profile  
Volatility (Standard Deviation) 19.51% 70% C- 40% F
Risk Adjusted Return 44.55% 51% F 53% F
Market Capitalization 1.90B 44% F 69% D+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks—Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 7.91 43% F 75% C
Price/Book Ratio 0.76 51% F 62% D-
Price / Cash Flow Ratio 7.94 27% F 38% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.58% 43% F 54% F
Return on Invested Capital 10.22% 83% B 72% C-
Return on Assets 1.20% 43% F 28% F
Debt to Equity Ratio 11.98% 91% A- 88% B+
Technical Ratios  
Short Ratio 8.02 10% F 8% F
Short Percent N/A N/A N/A N/A N/A
Beta 1.42 18% F 20% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.