BancorpSouth Bank
BancorpSouth Bank Fundamental Analysis
BancorpSouth Bank (BXS) shows moderate financial fundamentals with a PE ratio of 12.80, profit margin of 22.20%, and ROE of 8.28%. The company generates $1.8B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 68.4/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BXS's fundamental strength across five key dimensions:
Efficiency Score
WeakBXS struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBXS trades at attractive valuation levels.
Growth Score
WeakBXS faces weak or negative growth trends.
Financial Health Score
ExcellentBXS maintains a strong and stable balance sheet.
Profitability Score
ModerateBXS maintains healthy but balanced margins.
Key Financial Metrics
Is BXS Expensive or Cheap?
P/E Ratio
BXS trades at 12.80 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BXS's PEG of 0.13 indicates potential undervaluation.
Price to Book
The market values BancorpSouth Bank at 1.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.20 times EBITDA. This signals the market has high growth expectations.
How Well Does BXS Make Money?
Net Profit Margin
For every $100 in sales, BancorpSouth Bank keeps $22.20 as profit after all expenses.
Operating Margin
Core operations generate 38.55 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $8.28 in profit for every $100 of shareholder equity.
ROA
BancorpSouth Bank generates $0.95 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BancorpSouth Bank produces operating cash flow of $407.22M, showing steady but balanced cash generation.
Free Cash Flow
BancorpSouth Bank generates strong free cash flow of $306.71M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.68 in free cash annually.
FCF Yield
BXS converts 3.25% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.80
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.13
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.11
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.11
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1509.83
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.009
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How BXS Stacks Against Its Sector Peers
| Metric | BXS Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.80 | 18.86 | Better (Cheaper) |
| ROE | 8.28% | 847.00% | Weak |
| Net Margin | 22.20% | 4202.00% | Weak |
| Debt/Equity | 0.11 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 1509.83 | 667.17 | Strong Liquidity |
| ROA | 0.95% | -21543.00% (disorted) | Weak |
BXS outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BancorpSouth Bank's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical