Market Price

20.28 

-0.25 -1.2%

as of Sep 18 '20

52 Week Range:

17.21 32.97


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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, Wealth Management, and General Corporate and Other segments. 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 offers a line of property and casualty, life, health, and employee benefits products and services. Additionally, it provides credit related products, trust and investment management, asset management, retirement and savings solutions, and estate planning and annuity products. It operates 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Equity (BVPS) 15.29
14.64
15.17
15.33
15.55
16.73
17.47
18.40
18.83
21.21
23.82
growth rate -4.3% 3.6% 1.1% 1.4% 7.6% 4.4% 5.3% 2.3% 12.6% 12.3%
Earnings BIT 112.83
14.24
42.04
117.55
131.67
170.86
190.08
200.94
growth rate -87.4% 195.2% 179.6% 12.0% 29.8% 11.3% 5.7%
Avg.PE 23.64
58.14
24.51
16.18
25.77
18.50
15.30
22.36
20.45
13.17
14.63
growth rate 145.9% -57.8% -34.0% 59.3% -28.2% -17.3% 46.1% -8.5% -35.6% 11.1%
ROA 0.62
0.17
0.28
0.64
0.71
0.89
0.94
0.93
1.02
1.33
1.20
growth rate -72.6% 64.7% 128.6% 10.9% 25.4% 5.6% -1.1% 9.7% 30.4% -9.8%
ROE 6.57
1.84
3.02
6.22
6.35
7.49
7.82
7.86
8.90
11.29
9.92
growth rate -72.0% 64.1% 106.0% 2.1% 18.0% 4.4% 0.5% 13.2% 26.9% -12.1%
ROIC 10.06
7.08
8.77
8.76
7.97
8.39
growth rate -29.6% 23.9% -0.1% -9.0% 5.3%
Leverage 10.32
11.14
10.29
9.25
8.61
8.30
8.34
8.54
8.93
8.16
8.36
growth rate 8.0% -7.6% -10.1% -6.9% -3.6% 0.5% 2.4% 4.6% -8.6% 2.5%
Balance Sheet Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Acct.Receivable 51.27
44.36
42.15
41.99
40.90
42.01
growth rate -13.5% -5.0% -0.4% -2.6% 2.7%
Acct.Payable 8.64
6.14
4.84
10,972.34
11,331.16
11,688.14
11,915.60
14,069.97
16,410.70
growth rate -29.0% -21.2% 226,788.7% 3.3% 3.2% 2.0% 18.1% 16.6%
Cur.Assets 598.42
431.29
455.58
414.73
544.20
620.73
growth rate -27.9% 5.6% -9.0% 31.2% 14.1%
Total Assets 13,167.90
13,615.00
12,995.85
13,397.20
13,029.70
13,326.37
13,798.66
14,724.39
15,298.52
18,001.54
21,052.58
growth rate 3.4% -4.6% 3.1% -2.7% 2.3% 3.5% 6.7% 3.9% 17.7% 17.0%
Cash 238.40
272.10
3,012.86
704.30
-675.20
357.25
197.97
222.97
220.72
332.44
333.01
growth rate 14.1% 1,007.3% -76.6% -100.0% 100.0% -44.6% 12.6% -1.0% 50.6% 0.2%
Inventory 33.98
14.76
7.81
6.04
9.28
6.75
growth rate -56.6% -47.1% -22.7% 53.6% -27.3%
Cur.Liabilities 11,390.61
11,818.42
12,247.74
13,366.84
15,592.45
17,675.22
growth rate 3.8% 3.6% 9.1% 16.7% 13.4%
Liabilities 11,891.60
12,392.80
11,732.94
11,948.10
11,516.60
11,720.31
12,143.22
13,000.51
13,585.03
15,795.80
18,367.56
growth rate 4.2% -5.3% 1.8% -3.6% 1.8% 3.6% 7.1% 4.5% 16.3% 16.3%
LT Debt 2,009.00
2,010.00
2,011.00
193.80
113.20
101.35
92.97
542.89
30.00
6.21
301.60
growth rate 0.1% 0.1% -90.4% -41.6% -10.5% -8.3% 483.9% -94.5% -79.3% 4,754.3%
Equity 1,276.30
1,222.20
1,262.91
1,449.10
1,513.10
1,606.06
1,655.44
1,723.88
1,713.49
2,205.74
2,518.00
growth rate -4.2% 3.3% 14.7% 4.4% 6.1% 3.1% 4.1% -0.6% 28.7% 14.2%
Common Shares 83.00
84.00
84.00
94.00
95.00
96.00
96.00
94.00
92.00
99.00
102.00
growth rate 1.2% 0.0% 11.9% 1.1% 1.1% 0.0% -2.1% -2.1% 7.6% 3.0%
Cash Flow Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Capital Expenditures 21.90
19.10
20.48
24.68
25.46
17.21
30.40
25.09
35.74
39.54
54.99
growth rate -12.8% 7.2% 20.5% 3.2% -32.4% 76.6% -17.5% 42.4% 10.6% 39.1%
Cash Dividends 73.30
73.50
11.69
3.78
11.38
23.98
33.37
42.31
48.35
61.54
72.76
growth rate 0.3% -84.1% -67.7% 201.3% 110.7% 39.1% 26.8% 14.3% 27.3% 18.2%
Cash From OA 280.00
224.00
276.12
160.66
203.73
142.13
133.31
143.50
180.85
223.37
239.58
growth rate -20.0% 23.3% -41.8% 26.8% -30.2% -6.2% 7.6% 26.0% 23.5% 7.3%
FCF per Share 3.05
2.45
2.80
1.16
1.68
1.39
1.20
0.98
2.04
1.75
1.33
growth rate -19.7% 14.3% -58.6% 44.8% -17.3% -13.7% -18.3% 108.2% -14.2% -24.0%
Sale Purchase of Stock -0.04
110.15
0.91
11.58
10.44
2.77
0.88
growth rate 100.0% -99.2% 1,170.1% -9.9% -73.4% -68.2%
FCF 255.00
204.00
236.00
109.00
178.00
125.00
103.00
118.00
145.00
184.00
185.00
growth rate -20.0% 15.7% -53.8% 63.3% -29.8% -17.6% 14.6% 22.9% 26.9% 0.5%
Income Statement Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19
Sales 720.20
705.30
808.70
766.57
724.57
685.81
723.05
724.35
739.07
849.76
929.13
growth rate -2.1% 14.7% -5.2% -5.5% -5.4% 5.4% 0.2% 2.0% 15.0% 9.3%
Op.Income 112.80
14.20
37.57
84.30
94.12
177.35
196.27
216.64
242.21
285.47
322.53
growth rate -87.4% 164.6% 124.4% 11.7% 88.4% 10.7% 10.4% 11.8% 17.9% 13.0%
IBT 112.83
14.24
42.04
117.55
131.67
167.40
186.74
196.44
231.62
265.13
299.52
growth rate -87.4% 195.3% 179.6% 12.0% 27.1% 11.6% 5.2% 17.9% 14.5% 13.0%
Net Income 82.70
22.90
37.57
84.30
94.10
116.75
127.49
132.73
153.03
221.32
234.26
growth rate -72.3% 64.1% 124.4% 11.6% 24.1% 9.2% 4.1% 15.3% 44.6% 5.9%
EPS 0.99
0.27
0.45
0.90
0.99
1.21
1.33
1.41
1.67
2.23
2.30
growth rate -72.7% 66.7% 100.0% 10.0% 22.2% 9.9% 6.0% 18.4% 33.5% 3.1%
Gross Profit 685.81
723.05
724.35
739.07
849.76
929.13
growth rate 5.4% 0.2% 2.0% 15.0% 9.3%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Earnings BIT
growth rate
Balance Sheet Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Acct.Receivable
growth rate
Acct.Payable 15,136.65
16,025.76
16,410.70
16,887.92
19,179.49
growth rate 5.9% 2.4% 2.9% 13.6%
Cur.Assets 775.10
1,106.77
620.73
580.31
1,087.19
growth rate 42.8% -43.9% -6.5% 87.4%
Total Assets 18,936.81
19,850.23
21,052.58
21,032.52
23,236.18
growth rate 4.8% 6.1% -0.1% 10.5%
Cash 526.25
799.76
333.01
282.99
558.97
growth rate 52.0% -58.4% -15.0% 97.5%
Inventory 6.18
7.93
6.75
9.20
7.16
growth rate 28.3% -14.9% 36.4% -22.1%
Cur.Liabilities 16,321.43
17,050.62
17,675.22
17,753.92
19,874.13
growth rate 4.5% 3.7% 0.5% 11.9%
Liabilities 16,609.69
17,360.80
18,367.56
18,350.62
20,503.49
growth rate 4.5% 5.8% -0.1% 11.7%
LT Debt 5.27
5.16
301.60
301.44
301.51
growth rate -2.1% 5,743.8% -0.1% 0.0%
Equity 2,327.12
2,489.43
2,518.00
2,514.91
2,565.69
growth rate 7.0% 1.2% -0.1% 2.0%
Common Shares 251.63
261.94
261.31
256.58
256.42
growth rate 4.1% -0.2% -1.8% -0.1%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 9.42
16.78
13.19
14.13
14.56
growth rate 78.2% -21.4% 7.1% 3.0%
Cash Dividends 17.14
19.38
19.38
21.35
21.40
growth rate 13.1% 0.0% 10.1% 0.2%
Cash From OA 15.55
46.14
76.12
130.57
-99.05
growth rate 196.7% 65.0% 71.5% -100.0%
Sale Purchase of Stock
growth rate
FCF 6.13
29.36
62.93
116.45
-113.60
growth rate 378.7% 114.3% 85.0% -100.0%
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 225.85
241.53
245.47
198.03
241.83
growth rate 6.9% 1.6% -19.3% 22.1%
Op.Income 73.48
88.02
91.10
36.06
81.80
growth rate 19.8% 3.5% -60.4% 126.8%
IBT 68.18
81.92
83.12
30.02
79.32
growth rate 20.2% 1.5% -63.9% 164.2%
Net Income 53.06
63.76
65.85
24.26
61.16
growth rate 20.2% 3.3% -63.2% 152.1%
EPS
growth rate
Gross Profit 225.85
241.53
245.47
198.03
241.83
growth rate 6.9% 1.6% -19.3% 22.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (67.42)

YOY Growth Grade:

D (45.24)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.08 9.96 12.44
EPS / Growth 13.7% 2.04 5.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 11.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.0% 9.9% 9.9%
Future PE 10.00 14.13 14.13
Future EPS 3.32 5.25 5.25
Value Price
MOS %
8.20
-59.6%
18.32
-9.6%
18.32
-9.6%
MOS Price 4.10 9.16 9.16
IRT 7.96 6.77 6.77

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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