Stock Analysis Report

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Executive Summary

BancorpSouth Bank provides commercial banking and financial services to individuals and small-to-medium size businesses. More Details

Snowflake Analysis

Flawless balance sheet and fair value.

Similar Companies

Share Price & News

How has BancorpSouth Bank's share price performed over time and what events caused price changes?

Latest Share Price and Events

Stable Share Price: BXS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 7% a week.

Volatility Over Time: BXS's weekly volatility (7%) has been stable over the past year.

Market Performance

7 Day Return




US Banks


US Market

1 Year Return




US Banks


US Market

Return vs Industry: BXS exceeded the US Banks industry which returned -8% over the past year.

Return vs Market: BXS underperformed the US Market which returned 24.3% over the past year.

Shareholder returns

7 Day-6.9%-6.2%-2.7%
30 Day0.8%1.4%1.8%
90 Day21.5%30.9%16.4%
1 Year0.7%-2.6%-7.0%-10.3%23.9%21.2%
3 Year-9.7%-16.3%-6.5%-14.5%43.7%34.2%
5 Year56.6%40.0%75.1%53.2%124.3%99.2%

Long-Term Price Volatility Vs. Market

How volatile is BancorpSouth Bank's share price compared to the market and industry in the last 5 years?

Simply Wall St News


Is BancorpSouth Bank undervalued compared to its fair value and its price relative to the market?


Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: BXS ($28.08) is trading below our estimate of fair value ($39.25)

Significantly Below Fair Value: BXS is trading below fair value by more than 20%.

Price To Earnings Ratio

PE vs Industry: BXS is poor value based on its PE Ratio (13.2x) compared to the US Banks industry average (12.1x).

PE vs Market: BXS is good value based on its PE Ratio (13.2x) compared to the US market (21.2x).

Price to Earnings Growth Ratio

PEG Ratio: BXS is poor value based on its PEG Ratio (2.1x)

Price to Book Ratio

PB vs Industry: BXS's PB Ratio (1.1x) is in line with the US Banks industry average.

Next Steps

Future Growth

How is BancorpSouth Bank forecast to perform in the next 1 to 3 years based on estimates from 10 analysts?


Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: BXS's forecast earnings growth (6.3% per year) is above the savings rate (2%).

Earnings vs Market: BXS's earnings (6.3% per year) are forecast to grow slower than the US market (21.3% per year).

High Growth Earnings: BXS's earnings are forecast to grow, but not significantly.

Revenue vs Market: BXS's revenue (1.7% per year) is forecast to grow slower than the US market (10.6% per year).

High Growth Revenue: BXS's revenue (1.7% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: BXS's Return on Equity is forecast to be low in 3 years time (8.2%).

Next Steps

Past Performance

How has BancorpSouth Bank performed over the past 5 years?


Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: BXS has high quality earnings.

Growing Profit Margin: BXS's current net profit margins (23.2%) are lower than last year (25.2%).

Past Earnings Growth Analysis

Earnings Trend: BXS's earnings have grown by 14% per year over the past 5 years.

Accelerating Growth: BXS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BXS had negative earnings growth (-6.6%) over the past year, making it difficult to compare to the Banks industry average (-2.6%).

Return on Equity

High ROE: BXS's Return on Equity (8.1%) is considered low.

Next Steps

Financial Health

How is BancorpSouth Bank's financial position? (This company is analysed differently as a bank or financial institution)

Financial Position Analysis

Debt to Equity History and Analysis

Balance Sheet

Financial Institutions Analysis

Asset Level: BXS's Assets to Equity ratio (8.5x) is low.

Allowance for Bad Loans: BXS has a sufficient allowance for bad loans (202%).

Low Risk Liabilities: 93% of BXS's liabilities are made up of primarily low risk sources of funding.

Loan Level: BXS has an appropriate level of Loans to Assets ratio (61%).

Low Risk Deposits: BXS's Loans to Deposits ratio (74%) is appropriate.

Level of Bad Loans: BXS has an appropriate level of bad loans (0.8%).

Next Steps


What is BancorpSouth Bank current dividend yield, its reliability and sustainability?


Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: BXS's dividend (2.71%) is higher than the bottom 25% of dividend payers in the US market (1.39%).

High Dividend: BXS's dividend (2.71%) is low compared to the top 25% of dividend payers in the US market (3.87%).

Stability and Growth of Payments

Stable Dividend: BXS's dividend payments have been volatile in the past 10 years.

Growing Dividend: BXS's dividend payments have fallen over the past 10 years.

Current Payout to Shareholders

Dividend Coverage: With its reasonably low payout ratio (35.1%), BXS's dividend payments are well covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: BXS's dividends in 3 years are forecast to be well covered by earnings (33.8% payout ratio).

Next Steps


How experienced are the management team and are they aligned to shareholders interests?


Average management tenure


Dan Rollins (61 yo)





Mr. James D. Rollins, III, also known as Dan, had been Chief Executive Officer of BancorpSouth, Inc. since November 27, 2012. He had been Chairman of BancorpSouth, Inc. since April 23, 2014. He had been a ...

CEO Compensation Analysis

Compensation vs Market: Dan's total compensation ($USD4.59M) is about average for companies of similar size in the US market ($USD5.03M).

Compensation vs Earnings: Dan's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.

Leadership Team

James Rollins
Chairman & CEO8.17yrsUS$4.59m0.43%
$ 12.7m
Christopher Bagley
President & COO6.42yrsUS$2.15m0.20%
$ 6.0m
John Copeland
Senior EVP3.67yrsUS$1.32m0.044%
$ 1.3m
Jeffrey Jaggers
Senior EVP & Chief Information Officerno dataUS$1.31m0.087%
$ 2.6m
Charles Pignuolo
Senior EVP & General Counsel6.25yrsUS$1.13m0.060%
$ 1.8m
Will Fisackerly
Senior VP & Director of Corporate Financeno datano data0.019%
$ 563.6k
Cathy Freeman
Senior EVPno dataUS$773.05k0.069%
$ 2.0m
Morgan Files
Head of Corporate Communicationsno datano datano data
Sam Jones
Market President6.33yrsno datano data
Ty Warren
President of North-West Region5.08yrsno datano data
Michael Meyer
Senior EVP6.17yrsno data0.052%
$ 1.6m
Ty Lambert
Senior EVP & Chief Risk Officer2.42yrsno data0.028%
$ 838.4k


Average Tenure


Average Age

Experienced Management: BXS's management team is seasoned and experienced (6.2 years average tenure).

Board Members

James Rollins
Chairman & CEO8.17yrsUS$4.59m0.43%
$ 12.7m
Aubrey Patterson
Chairman Emeritus6.75yrsUS$33.66kno data
Larry Kirk
Independent Director25yrsUS$142.62k0.057%
$ 1.7m
Thomas Stanton
Independent Director5.25yrsUS$124.62k0.0070%
$ 207.2k
Alan Perry
Independent Director30yrsUS$134.62k0.099%
$ 3.0m
Gus Blass
Independent Director17yrsUS$149.62k0.14%
$ 4.1m
Warren Hood
Independent Director13.42yrsUS$130.12k0.027%
$ 801.2k
Guy Mitchell
Independent Lead Director3.75yrsUS$157.12k0.065%
$ 1.9m
James Campbell
Independent Director29yrsUS$144.12k0.15%
$ 4.5m
Shannon Brown
Independent Director4.75yrsUS$136.62k0.0070%
$ 209.9k
Deborah Cannon
Independent Director5.75yrsUS$149.62k0.013%
$ 388.8k
Keith Jackson
Independent Director13.42yrsUS$136.62k0.028%
$ 833.1k


Average Tenure


Average Age

Experienced Board: BXS's board of directors are seasoned and experienced ( 10.1 years average tenure).


Who are the major shareholders and have insiders been buying or selling?

Insider Trading Volume

Insider Buying: BXS insiders have only sold shares in the past 3 months.

Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.

Top Shareholders

Company Information

BancorpSouth Bank's company bio, employee growth, exchange listings and data sources

Key Information

  • Name: BancorpSouth Bank
  • Ticker: BXS
  • Exchange: NYSE
  • Founded: 1876
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$2.977b
  • Shares outstanding: 102.56m
  • Website: https://www.bancorpsouth.com

Number of Employees


  • BancorpSouth Bank
  • One Mississippi Plaza
  • 201 South Spring Street
  • Tupelo
  • Mississippi
  • 38804
  • United States


TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BTODB (Deutsche Boerse AG)YesNew Common StockDEEUROct 1985
BXSNYSE (New York Stock Exchange)YesNew Common StockUSUSDOct 1985
BXS.PRANYSE (New York Stock Exchange)5.5% NCUM PFD AUSUSDNov 2019


BancorpSouth Bank provides commercial banking and financial services to individuals and small-to-medium size businesses. The company operates through Banking Services Group, Mortgage, Insurance Agencies, W...

Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/01/28 00:17
End of Day Share Price2021/01/27 00:00
Annual Earnings2020/12/31

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.