BancorpSouth Bank’s BXS decent lending scenario continues to boost its growth prospects. Also, the bank’s inorganic growth efforts are commendable. However, huge exposure to consumer mortgage and commercial real estate loans is a concern.The company has a solid balance-sheet position. Along with a high cash balance, its earnings before interest and tax have been 17.2 times the interest expenses and increased in the past few quarters. Thus, the bank is expected to continue meeting debt obligations, even if the economic situation worsens.Fee income of the company has witnessed a five-year (2016-2020) compound annual growth rate CAGR of around 26%, mainly on higher credit and debit card income, along with rise in deposit service charges. It is anticipated to continue rising in the quarters ahead, as lower interest rates will likely support the mortgage segment’s performance, resulting in higher originations.Shares of this Zacks Rank #3 (Hold) company have rallied 14.9% over the past three months, underperforming the industry’s growth of 27.8%. Notably analysts seem to have an optimistic stance for the stock. The Zacks Consensus Estimate for 2021 and 2022 earnings has moved 8.6% and 1.7% upward, respectively, over the past 30 days.Nevertheless, BancorpSouth has significant exposure to consumer mortgage and commercial real estate loans. As of Dec 31, 2020, the company’s exposure to these loan portfolios constituted around 60% of the total loans. Such high exposure can be risky for the bank, highlighting concentration risk amid uncertain markets.The company’s credit quality deteriorated in 2020 due to the pandemic and is expected to remain under pressure in the upcoming period. Furthermore the bank’s mounting expenses on account of investments in organic growth and digitization efforts might deter bottom-line growth in the near term.Stocks to considerWSFS Financial Corporation WSFS has been witnessing upward estimate revisions of 7.4% for the past 30 days for current-year earnings. The stock currently sports a Zacks Rank #1 (Strong Buy). You can see the the complete list of today’s Zacks #1 Rank stocks here.Peoples United Financial, Inc. PBCT recorded an upward earnings estimate revision of 10.3% for 2021 earnings over the past 30 days. Currently, it flaunts a Zacks Rank of 1.Northfield Bancorp, Inc. NFBK has witnessed an upward earnings estimate revision of 14% for ongoing-year earnings in 30 days’ time. At present, it sports a Zacks Rank of 1.Biggest Tech Breakthrough in a GenerationBe among the early investors in the new type of device that experts say could impact society as much as the discovery of electricity. Current technology will soon be outdated and replaced by these new devices. In the process, it’s expected to create 22 million jobs and generate $12.3 trillion in activity.A select few stocks could skyrocket the most as rollout accelerates for this new tech. Early investors could see gains similar to buying Microsoft in the 1990s. Zacks’ just-released special report reveals 8 stocks to watch. The report is only available for a limited time.See 8 breakthrough stocks now>>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Peoples United Financial, Inc. (PBCT): Free Stock Analysis Report BancorpSouth Bank (BXS): Free Stock Analysis Report Northfield Bancorp, Inc. (NFBK): Free Stock Analysis Report WSFS Financial Corporation (WSFS): Free Stock Analysis Report To read this article on Zacks.com click here. Zacks Investment Research