BancorpSouth Bank (BXS)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
BancorpSouth Bank (BXS) trades at $28.76 with AI Score 52/100 (Grade B). BancorpSouth Bank provides a range of commercial banking and financial services to individuals and businesses across the Southern United States. Market cap: $5.25B, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for BXS: BXS does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BXS against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BXS: 3/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →BancorpSouth Bank (BXS) Financial Services Profile
BancorpSouth Bank, operating across nine states, delivers commercial banking, mortgage, insurance, and wealth management services. With a $5.25B market cap and a P/E ratio of 12.8, BXS focuses on serving individuals and small-to-medium sized businesses in the Southern U.S. amidst a competitive regional banking landscape.
What Is the Investment Thesis for BXS?
BancorpSouth Bank presents a stable investment profile within the regional banking sector, marked by a $5.25B market capitalization and a profit margin of 22.2%. The company's diversified service offerings, spanning banking, mortgage, insurance, and wealth management, provide multiple revenue streams. A key growth catalyst lies in expanding its presence within its nine-state operational footprint, leveraging its established infrastructure. However, the absence of a dividend yield may deter some investors. Potential risks include sensitivity to interest rate fluctuations and competition from larger national banks and regional peers like WTFC: Wintrust Financial Corporation and AUB: Atlantic Union Bankshares Corporation. The company's P/E ratio of 12.8 suggests a reasonable valuation relative to earnings.
Based on FMP financials and quantitative analysis
BXS Key Highlights
- Market capitalization of $5.25B reflects BancorpSouth Bank's significant presence in the regional banking sector.
- Profit margin of 22.2% indicates strong profitability compared to the average for regional banks.
- Gross margin of 100.0% suggests efficient management of interest income and related expenses.
- Beta of 1.21 indicates higher volatility compared to the overall market, potentially offering higher returns but also greater risk.
- Absence of a dividend yield may impact investor appeal for those seeking regular income.
Who Are BXS's Competitors?
BXS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RJF Raymond James Financial, Inc. | $166.44 | +2.32% | $32.44B | 76 |
| WTFC Wintrust Financial Corporation | $163.51 | +1.44% | $11.03B | 87 |
| FLG Flagstar Financial, Inc. | $14.84 | +1.71% | $6.19B | — |
| OBDC Blue Owl Capital Corporation | $10.95 | +1.16% | $5.43B | 86 |
| AUB Atlantic Union Bankshares Corporation | $42.36 | +0.24% | $6.06B | 89 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BXS's Key Strengths?
- Strong regional presence in the Southern United States.
- Diversified revenue streams from banking, mortgage, insurance, and wealth management.
- Established customer relationships and brand reputation.
- Experienced management team.
What Are BXS's Weaknesses?
- Limited geographic diversification compared to national banks.
- Sensitivity to interest rate fluctuations.
- Dependence on the economic health of the Southern United States.
- Lack of dividend yield may deter some investors.
What Could Drive BXS Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Expansion of digital banking services to attract new customers and improve customer retention.
- Strategic acquisitions of smaller banks to expand geographic footprint and market share.
What Are the Key Risks for BXS?
- Financial-distress signal — its Altman Z-Score of 1.02 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn in the Southern United States could negatively impact loan demand and credit quality.
- Competition from larger national banks and non-bank financial institutions.
- Regulatory changes impacting the banking industry could increase compliance costs.
- Cybersecurity threats and data breaches could damage the bank's reputation and financial performance.
What Are the Growth Opportunities for BXS?
- Expansion within Existing Markets: BancorpSouth Bank can grow by increasing its market share in its current nine-state footprint. Focusing on targeted marketing campaigns and enhanced customer service can attract new customers and deepen relationships with existing ones. The market for banking services in these states is estimated at $500 billion, offering substantial room for growth. Timeline: Ongoing.
- Digital Banking Initiatives: Investing in digital banking technologies can enhance customer experience and attract younger demographics. Offering mobile banking, online account opening, and personalized financial advice can improve customer engagement and reduce operational costs. The digital banking market is projected to reach $9 trillion by 2028, presenting a significant opportunity. Timeline: Ongoing.
- Wealth Management Services: Expanding wealth management services can generate fee income and diversify revenue streams. Offering financial planning, investment management, and trust services can cater to high-net-worth individuals and families. The wealth management market is expected to grow to $145 trillion by 2030. Timeline: Ongoing.
- Strategic Acquisitions: Pursuing strategic acquisitions of smaller banks or financial institutions can expand BancorpSouth Bank's geographic footprint and market share. Identifying targets in adjacent markets or complementary business lines can create synergies and enhance profitability. The M&A activity in the banking sector is expected to remain robust in the coming years. Timeline: Upcoming.
- Insurance Product Expansion: Growing the insurance agencies segment by offering a wider range of insurance products can increase fee income. Partnering with insurance carriers to provide specialized coverage and tailored solutions can attract new clients. The insurance market is projected to reach $7 trillion by 2027. Timeline: Ongoing.
What Opportunities Does BXS Have?
- Expansion within existing markets through targeted marketing and customer service.
- Investment in digital banking technologies to enhance customer experience.
- Growth of wealth management services to generate fee income.
- Strategic acquisitions to expand geographic footprint and market share.
What Threats Does BXS Face?
- Competition from larger national banks and regional peers.
- Regulatory changes impacting the banking industry.
- Economic downturns affecting loan demand and credit quality.
- Cybersecurity risks and data breaches.
What Are BXS's Competitive Advantages?
- Established regional presence in the Southern United States.
- Diversified service offerings spanning banking, mortgage, insurance, and wealth management.
- Strong customer relationships built over a long history.
- Experienced management team with deep industry knowledge.
What Does BXS Do?
Founded in 1876 and headquartered in Tupelo, Mississippi, BancorpSouth Bank has evolved from a local bank into a regional financial services provider. Originally known as BancorpSouth, Inc., the company rebranded as BancorpSouth Bank in October 2017. The bank operates through five primary segments: Banking Services Group, Mortgage, Insurance Agencies, Wealth Management, and General Corporate and Other. Its core offerings include a variety of deposit products such as interest and noninterest-bearing demand deposits, savings accounts, and time deposits. BancorpSouth Bank provides commercial loans, including term loans, lines of credit, equipment financing, and agricultural loans, catering to the working capital and expansion needs of businesses. The company also offers residential mortgage loans, construction loans, and home equity lines of credit. BancorpSouth Bank extends its services to include insurance products, acting as an agent for commercial lines of insurance and offering property and casualty, life, health, and employee benefits products. Furthermore, the bank provides trust and investment management, asset management, retirement solutions, and estate planning services. BancorpSouth Bank operates across Alabama, Arkansas, Florida, Louisiana, Mississippi, Missouri, Tennessee, Texas, and Illinois.
What Products and Services Does BXS Offer?
- Offers a variety of deposit products, including checking, savings, and money market accounts.
- Provides commercial loans for working capital, expansion, and equipment purchases.
- Offers residential mortgage loans for home purchases and refinancing.
- Provides construction loans to real estate developers.
- Offers insurance products, including property and casualty, life, and health insurance.
- Provides wealth management services, including investment management and financial planning.
- Offers trust services and estate planning solutions.
How Does BXS Make Money?
- Generates revenue from interest income on loans.
- Earns fee income from deposit accounts, wealth management, and insurance services.
- Manages risk through credit analysis and diversification of loan portfolio.
- Invests in technology to enhance customer experience and operational efficiency.
What Industry Does BXS Operate In?
BancorpSouth Bank operates within the regional banking industry, which is characterized by intense competition and sensitivity to economic cycles. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like BancorpSouth Bank compete with larger national banks and smaller community banks, as well as non-bank financial institutions. Market trends include increasing adoption of digital banking, consolidation through mergers and acquisitions, and a focus on customer experience. BancorpSouth Bank's diversified service offerings and geographic footprint position it to capitalize on growth opportunities within the regional banking sector.
Who Are BXS's Key Customers?
- Individuals seeking personal banking services.
- Small-to-medium size businesses requiring commercial loans and banking solutions.
- Real estate developers needing construction financing.
- High-net-worth individuals seeking wealth management services.
How BancorpSouth Bank Is Valued
BancorpSouth Bank carries a market capitalization of $5.25B, placing it in the mid-cap category. Relative to its peer group, BXS's quantitative score of 52/100 is below the peer average of 85/100.
Company Profile
BancorpSouth Bank operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tupelo, US. The company is led by CEO James Rollins. BXS has traded publicly since 2017.
ROE 8%Key Financial Metrics
Return on equity for BancorpSouth Bank stands at 8.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. BXS trades at a trailing price-to-earnings ratio of 12.80, below the Financial Services sector average of ~18x. Its free cash flow yield is 3.3%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is 7.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
BancorpSouth Bank's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.02 places it in the distress zone, a signal of elevated financial risk.
BXS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- BXS insiders seem to be holding steady, suggesting confidence in the bank's current position. It's like they're saying, 'We're in this for the long haul.'
- The overall community sentiment leans towards optimism, possibly due to recent regional banking stability. Reminds me of the post-2008 recovery where steady growth was valued.
- BXS is perceived as a reliable, traditional bank, which is attractive in a market flooded with tech-heavy stocks. Think of it as the 'steady eddy' play.
- There's a sense that BXS is undervalued compared to its peers, making it a potential bargain for savvy investors. It's like spotting a diamond in the rough.
Bear Case
- Recent market chatter suggests some concern about BXS's growth potential in a rapidly evolving financial landscape. It's the 'old dog, new tricks' worry.
- The community is split, with some expressing doubts about BXS's ability to compete with larger national banks. This mirrors the David vs. Goliath dynamic.
- There's a perception that BXS might be too conservative, potentially missing out on innovative opportunities. It's like holding onto landlines while everyone else is on smartphones.
- Insider activity, while stable, doesn't show strong buying signals, indicating a lack of aggressive bullish sentiment. It's a 'wait and see' approach from those who know the company best.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
BXS Latest News
No recent news available for BXS.
BXS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BXS.
Price Targets
Wall Street price target analysis for BXS.
BXS MoonshotScore
What does this score mean?
The MoonshotScore rates BXS's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: James Rollins
CEO
James Rollins serves as the CEO of BancorpSouth Bank, managing a workforce of 4,770 employees. His career spans several decades in the financial services industry, with a focus on regional banking and community development. Prior to his role at BancorpSouth Bank, Rollins held leadership positions at various financial institutions, contributing to his extensive expertise in banking operations, risk management, and strategic planning. He holds a degree in Finance from a leading business school.
Track Record: Under James Rollins' leadership, BancorpSouth Bank has focused on expanding its digital banking capabilities and enhancing customer service. Key milestones include the successful integration of acquired banks and the implementation of new technologies to improve operational efficiency. Rollins has also emphasized community engagement and corporate social responsibility, strengthening the bank's reputation and brand image.
BancorpSouth Bank Financial Services Stock: Key Questions Answered
What does BancorpSouth Bank do?
BancorpSouth Bank is a regional bank providing a comprehensive suite of financial services to individuals and businesses across nine states in the Southern U.S. The company operates through Banking Services Group, Mortgage, Insurance Agencies, Wealth Management, and General Corporate segments. Its services include deposit accounts, commercial and residential loans, insurance products, and wealth management solutions. BancorpSouth Bank focuses on building long-term customer relationships and supporting the economic growth of the communities it serves.
What do analysts say about BXS stock?
Analyst consensus on BancorpSouth Bank (BXS) stock is mixed, reflecting the challenges and opportunities within the regional banking sector. Key valuation metrics, such as the P/E ratio of 12.8, suggest a reasonable valuation relative to earnings. Growth considerations include the company's expansion efforts, digital banking initiatives, and strategic acquisitions. However, analysts also note potential risks, such as sensitivity to interest rate fluctuations and competition from larger banks. Analyst ratings and price targets vary, reflecting differing perspectives on the company's growth prospects and risk profile. No buy or sell recommendations are made here.
What are the main risks for BXS?
BancorpSouth Bank faces several key risks inherent to the financial services sector. These include sensitivity to interest rate changes, which can impact net interest margin and profitability. Credit risk, stemming from potential loan defaults, is another significant concern. Competition from larger national banks and non-bank financial institutions can pressure margins and market share. Regulatory changes and compliance costs also pose challenges. Additionally, cybersecurity threats and data breaches represent ongoing risks to the bank's operations and reputation. The company's reliance on the economic health of the Southern United States also presents a geographic concentration risk.
What are the key factors to evaluate for BXS?
BancorpSouth Bank (BXS) holds an AI score of 52/100 (moderate). P/E: 12.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BXS data refresh on this page?
BXS prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BXS's recent stock price performance?
BancorpSouth Bank (BXS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in the Southern United States. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BXS overvalued or undervalued right now?
BancorpSouth Bank (BXS) trades at 12.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BXS?
Before investing in BancorpSouth Bank (BXS), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on publicly available sources and may be subject to change.
- Financial metrics are as of the latest available data.
- This is not investment advice. Conduct thorough research before making any investment decisions.