SBSI

Southside Bancshares, Inc.

Fundamental data last updated:September 26, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company's loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also offers wealth management and trust services consisting of investment management, administration, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

 


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VALUATION

P/E

13.84

Market Cap ($M USD)

$983.00M

Forward P/E

9.51

PEG

0.21

PRICE TO SALES

2.18

PRICE TO BOOK

1.15

EV / EBITDA

13.76

5-Year Average P/E

Free Cash Flow Yield

9.86%

DCF Value

$38.45

Graham Number

$39.29

Price to FCF

10.14

EV to FCF

18.61

Earnings Yield

7.22%

FCF Yield

9.86%

DIVIDEND

Yield

4.36%

Annual Payout

$1.44

Payout Ratio

60.78%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$2.39

Next Year EPS Growth Estimate

$3.48

Next Year Revenue Growth Estimate

$313.51M

Return on Equity (ROE)

8.49%

FREE CASH FLOW

Operating Margin

18.82%

Debt-to-Equity

0.87

Piotroski F-Score

7

Altman Z-Score

0.14

Return on Invested Capital (ROIC)

1.04%

Current Ratio

0.16

Quick Ratio

0.16

Net Debt to EBITDA

6.26

Interest Coverage

0.47

Gross Profit margin

49.18%

FCF PER SHARE

$3.26

REVENUE PER SHARE

$15.13

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Gainseekers Quantitative Analysis

Summary

Southside Bancshares, Inc. presents a compelling valuation story. Recent pricing indicated it traded below its DCF Value and Graham Number, suggesting a potential undervaluation. The Forward P/E of 9.60 and an Earnings Yield of 7.15% highlight attractive earnings potential relative to its price. However, the Altman Z-score of 0.14 raises red flags about financial distress risk, hinting at potential vulnerabilities. This juxtaposition of value and risk makes it a complex play for discerning investors.

AI Exposure / Tech Reliance

Operating in the regional banking sector, Southside Bancshares is positioned in an industry ripe for AI-driven efficiencies. While traditional banking models face disruption, the company could leverage AI for enhanced customer service and operational efficiencies. However, its adaptation will depend on strategic investments and tech partnerships.

The Bull Case

For value and GARP investors, Southside Bancshares offers a tantalizing proposition. With a Piotroski F-Score of 7, it signals strong financial health and operational efficiency. The FCF Yield, though modest, combined with a solid operating margin of 18.82%, suggests effective capital utilization. These metrics, alongside a reasonable ROIC of 1.04%, paint a picture of a company with potential pricing power and disciplined management.

The Bear Case

Despite some strengths, Southside Bancshares faces significant structural risks. The Altman Z-score indicates potential financial distress, and the Current Ratio of 0.16 suggests liquidity concerns. Trading close to its 52-week high, the stock may be technically overextended. Additionally, the Net Debt to EBITDA ratio of 6.26 raises alarms about leverage, overshadowing its otherwise attractive valuation multiples.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$35.00

Institutional Ownership %

1-Year Beta

0.58

Insider Buying % (6 Mo)

Distance to 52-Week High

4.51%

Distance to 52-Week Low

20.34%

EARNINGS SURPRISE %

2.63%

50-DAY SMA

$32.32

200-DAY SMA

$30.89

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.