(SBSI) Southside Bancshares - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 951m USD | Total Return: 22% in 12m

Commercial Loans, Consumer Mortgages, Deposit Accounts, Wealth Management
Total Rating 39
Safety 33
Buy Signal -0.17
Banks - Regional
Industry Rotation: +1.2
Market Cap: 951M
Avg Turnover: 2.64M
Risk 3d forecast
Volatility28.7%
VaR 5th Pctl4.56%
VaR vs Median-3.63%
Reward TTM
Sharpe Ratio0.77
Rel. Str. IBD53.7
Rel. Str. Peer Group40.6
Character TTM
Beta0.743
Beta Downside0.874
Hurst Exponent0.477
Drawdowns 3y
Max DD27.26%
CAGR/Max DD0.43
CAGR/Mean DD0.97
EPS (Earnings per Share) EPS (Earnings per Share) of SBSI over the last years for every Quarter: "2021-03": 1.04, "2021-06": 0.65, "2021-09": 0.93, "2021-12": 0.88, "2022-03": 0.77, "2022-06": 0.79, "2022-09": 0.84, "2022-12": 0.87, "2023-03": 0.83, "2023-06": 0.81, "2023-09": 0.6, "2023-12": 0.57, "2024-03": 0.71, "2024-06": 0.81, "2024-09": 0.61, "2024-12": 0.74, "2025-03": 0.69, "2025-06": 0.78, "2025-09": -0.6161, "2025-12": 0.5096, "2026-03": 0.7564,
EPS CAGR: -24.70%
EPS Trend: -81.4%
Last SUE: -0.01
Qual. Beats: 0
Revenue Revenue of SBSI over the last years for every Quarter: 2021-03: 66.95, 2021-06: 63.247, 2021-09: 67.534, 2021-12: 66.426, 2022-03: 64.317, 2022-06: 65.841, 2022-09: 76.832, 2022-12: 86.848, 2023-03: 92.526, 2023-06: 97.02, 2023-09: 103.556, 2023-12: 102.473, 2024-03: 112.157, 2024-06: 115.375, 2024-09: 113.462, 2024-12: 115.075, 2025-03: 110.133, 2025-06: 110.302, 2025-09: 118.496, 2025-12: 107.906, 2026-03: 113.27,
Rev. CAGR: 8.21%
Rev. Trend: 85.0%
Last SUE: 0.74
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Confidence

Description: SBSI Southside Bancshares

Southside Bancshares, Inc. (SBSI) is a bank holding company headquartered in Tyler, Texas, operating primarily through its subsidiary, Southside Bank. Founded in 1960, the institution provides a comprehensive suite of financial services, including commercial and consumer lending, deposit products, and trust and wealth management. Its loan portfolio is diversified across residential mortgages, commercial real estate, and municipal lending, while its wealth management division offers estate administration and investment services for both individuals and corporations.

As a regional bank, SBSI relies on a traditional spread-based business model, generating revenue from the net interest margin between deposit interest paid and loan interest received. Regional banks in the United States often benefit from deep-rooted community relationships and specialized knowledge of local real estate markets, which can provide a competitive advantage in credit underwriting over larger national institutions.

Investors can further evaluate the companys historical performance and valuation metrics on ValueRay. Given the capital-intensive nature of the banking sector, SBSI maintains a physical presence through a network of branches, drive-thru facilities, and interactive teller machines to facilitate customer acquisition and liquidity management.

Headlines to Watch Out For
  • Net interest margin compression remains sensitive to Federal Reserve monetary policy shifts
  • Commercial real estate loan concentration in Texas markets dictates credit risk profile
  • Securities portfolio duration and valuation fluctuations impact tangible book value growth
  • Municipal lending volume and public fund deposit costs drive revenue stability
  • Wealth management fee income expansion diversifies revenue beyond traditional lending spreads
Piotroski VR-10 (Strict) 4.0
Net Income: 71.0m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.38 > 1.0
NWC/Revenue: -1.59k% < 20% (prev -1.05k%; Δ -542.0% < -1%)
CFO/TA 0.01 > 3% & CFO 118.9m > Net Income 71.0m
Net Debt (835.2m) to EBITDA (95.3m): 8.77 < 3
Current Ratio: 0.01 > 1.5 & < 3
Outstanding Shares: last quarter (29.8m) vs 12m ago -2.14% < -2%
Gross Margin: 49.18% > 18% (prev 0.56%; Δ 4.86k% > 0.5%)
Asset Turnover: 5.25% > 50% (prev 5.44%; Δ -0.19% > 0%)
Interest Coverage Ratio: 0.47 > 6 (EBITDA TTM 95.3m / Interest Expense TTM 180.1m)
Altman Z'' -5.11
A: -0.82 (Total Current Assets 109.0m - Total Current Liabilities 7.28b) / Total Assets 8.80b
B: 0.04 (Retained Earnings 364.8m / Total Assets 8.80b)
C: 0.01 (EBIT TTM 84.7m / Avg Total Assets 8.57b)
D: 0.04 (Book Value of Equity 309.8m / Total Liabilities 7.95b)
Altman-Z'' = -5.11 = D
Beneish M -2.74
DSRI: 1.00 (Receivables 36.0m/36.2m, Revenue 450.0m/454.0m)
GMI: 1.14 (GM 49.18% / 56.11%)
AQI: 1.28 (AQ_t 0.97 / AQ_t-1 0.75)
SGI: 0.99 (Revenue 450.0m / 454.0m)
TATA: -0.01 (NI 71.0m - CFO 118.9m) / TA 8.80b)
Beneish M = -2.74 (Cap -4..+1) = A
What is the price of SBSI shares?

As of May 24, 2026, the stock is trading at USD 32.97 with a total of 68,141 shares traded.
Over the past week, the price has changed by +3.64%, over one month by +0.77%, over three months by +5.25% and over the past year by +22.04%.

Is SBSI a buy, sell or hold?

Southside Bancshares has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold SBSI.

  • StrongBuy: 0
  • Buy: 0
  • Hold: 4
  • Sell: 0
  • StrongSell: 0

What are the forecasts/targets for the SBSI price?
Analysts Target Price 37 12.2%
Southside Bancshares (SBSI) - Fundamental Data Overview as of 24 May 2026
P/E Trailing = 13.5381
P/E Forward = 10.6952
P/S = 3.9682
P/B = 1.1614
P/EG = 5.348
Revenue TTM = 450.0m USD
EBIT TTM = 84.7m USD
EBITDA TTM = 95.3m USD
Long Term Debt = 208.4m USD (from longTermDebt, last quarter)
Short Term Debt = 670.9m USD (from shortTermDebt, last quarter)
Debt = 908.2m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.5m
Net Debt = 835.2m USD (calculated: Debt 908.2m - CCE 73.0m)
Enterprise Value = 1.79b USD (950.6m + Debt 908.2m - CCE 73.0m)
Interest Coverage Ratio = 0.47 (Ebit TTM 84.7m / Interest Expense TTM 180.1m)
EV/FCF = 28.20x (Enterprise Value 1.79b / FCF TTM 63.3m)
FCF Yield = 3.55% (FCF TTM 63.3m / Enterprise Value 1.79b)
FCF Margin = 14.07% (FCF TTM 63.3m / Revenue TTM 450.0m)
Net Margin = 15.77% (Net Income TTM 71.0m / Revenue TTM 450.0m)
Gross Margin = 49.18% ((Revenue TTM 450.0m - Cost of Revenue TTM 228.7m) / Revenue TTM)
Gross Margin QoQ = 59.41% (prev 57.68%)
Tobins Q-Ratio = 0.20 (Enterprise Value 1.79b / Total Assets 8.80b)
Interest Expense / Debt = 19.83% (Interest Expense 180.1m / Debt 908.2m)
Taxrate = 17.81% (5.04m / 28.3m)
NOPAT = 69.6m (EBIT 84.7m * (1 - 17.81%))
Current Ratio = 0.01 (Total Current Assets 109.0m / Total Current Liabilities 13.5b)
Debt / Equity = 1.06 (Debt 908.2m / totalStockholderEquity, last quarter 854.9m)
Debt / EBITDA = 8.77 (Net Debt 835.2m / EBITDA 95.3m)
Debt / FCF = 13.19 (Net Debt 835.2m / FCF TTM 63.3m)
Total Stockholder Equity = 836.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.83% (Net Income 71.0m / Total Assets 8.80b)
RoE = 8.49% (Net Income TTM 71.0m / Total Stockholder Equity 836.1m)
RoCE = 8.11% (EBIT 84.7m / Capital Employed (Equity 836.1m + L.T.Debt 208.4m))
RoIC = 0.79% (NOPAT 69.6m / Invested Capital 8.76b)
WACC = 12.36% (E(950.6m)/V(1.86b) * Re(8.60%) + D(908.2m)/V(1.86b) * Rd(19.83%) * (1-Tc(0.18)))
Discount Rate = 8.60% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -8.99 | Cagr: -0.65%
[DCF] Terminal Value 59.71% ; FCFF base≈74.7m ; Y1≈65.5m ; Y5≈52.9m
 [DCF] Fair Price = N/A (negative equity: EV 514.4m - Net Debt 835.2m = -320.9m; debt exceeds intrinsic value)
 EPS Correlation: -81.43 | EPS CAGR: -24.70% | SUE: -0.01 | # QB: 0
Revenue Correlation: 85.01 | Revenue CAGR: 8.21% | SUE: 0.74 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.85 | Chg30d=+8.92% | Revisions=+20% | Analysts=4
EPS next Quarter (2026-09-30): EPS=0.87 | Chg30d=+6.77% | Revisions=+20% | Analysts=4
EPS current Year (2026-12-31): EPS=3.39 | Chg30d=+6.85% | Revisions=+20% | GrowthEPS=+150.6% | GrowthRev=+7.8%
EPS next Year (2027-12-31): EPS=3.48 | Chg30d=+3.65% | Revisions=+20% | GrowthEPS=+2.4% | GrowthRev=+4.5%
[Analyst] Revisions Ratio: +20%