SBSI Stock Analysis: Southside Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 919m USD | 12M Return: 12.6% | US84470P1093 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.97M
EPS Trend: -77.8%
Qual. Beats: 0
Rev. Trend: 82.0%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Southside Bancshares, Inc. is the bank holding company for Southside Bank, a regional bank founded in 1960 and headquartered in Tyler, Texas. The company provides a full suite of banking and financial services to individuals, businesses, municipal entities, and nonprofit organizations, delivering its products through branches, drive-thru facilities, loan production offices, ATMs, and interactive teller machines.
Its core activities span deposit products (savings, money market, checking, and certificates of deposit), consumer lending (residential, home equity, automobile, and other personal loans), commercial lending (working capital, equipment, commercial real estate, and municipal loans), and construction lending. The company also offers trust and wealth management, estate administration, brokerage, retirement and employee benefit accounts, and digital banking via telephone, internet, and mobile channels.
As a bank holding company, Southside Bancshares operates under a corporate structure that separates the parent entity from the operating bank, a standard arrangement in the U.S. financial industry. Classified within the Regional Banks sub-industry of the Financials sector, the companys business model is centered on traditional community and commercial banking rather than investment banking or large-scale national retail banking.
- Net interest margin trends on Fed rate path
- Texas commercial real estate loan growth and credit quality
- Securities portfolio repositioning impacts book value
| Net Income: 76.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.98 > 1.0 |
| NWC/Revenue: -1.22k% < 20% (prev -1.49k%; Δ 272.3% < -1%) |
| CFO/TA 0.02 > 3% & CFO 145.2m > Net Income 76.0m |
| Net Debt (-315.3m) to EBITDA (101.4m): -3.11 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.9m) vs 12m ago -1.42% < -2% |
| Gross Margin: 49.65% > 18% (prev 56.77%; Δ -7.12% > 0.5%) |
| Asset Turnover: 5.35% > 50% (prev 5.38%; Δ -0.03% > 0%) |
| Interest Coverage Ratio: 0.50 > 6 (EBIT TTM 90.9m / Interest Expense TTM 182.4m) |
| A: -0.64 (Total Current Assets 2.01b - Total Current Liabilities 7.59b) / Total Assets 8.76b |
| B: 0.04 (Retained Earnings 380.8m / Total Assets 8.76b) |
| C: 0.01 (EBIT TTM 90.9m / Avg Total Assets 8.55b) |
| D: 0.11 (Book Value of Equity 882.5m / Total Liabilities 7.88b) |
| Altman-Z'' = -3.84 = D |
| DSRI: 0.93 (Receivables 43.4m/45.5m, Revenue 457.6m/449.0m) |
| GMI: 1.14 (GM 56.77% / 49.65%) |
| AQI: 0.82 (AQ_t 0.75 / AQ_t-1 0.91) |
| SGI: 1.02 (Revenue 457.6m / 449.0m) |
| TATA: -0.01 (NI 76.0m - CFO 145.2m) / TA 8.76b) |
| Beneish M = -3.04 (Cap -4..+1) = AA |
As of September 27, 2026, the stock is trading at USD 31.09 with a total of 122,553 shares traded. Over the past week, the price has changed by -1.14%, over one month by -2.57%, over three months by -10.47% and over the past year by +12.59%.
Current recommended Stop Loss: 30.20 (which is 2.9% or 1.3 ATR below the current price).
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
| Analysts Target Price | 34.3 | 10.4% |
P/E Trailing = 12.1176
P/E Forward = 10.6952
P/S = 3.7522
P/B = 1.0529
P/EG = 5.348
Revenue TTM = 457.6m USD
EBIT TTM = 90.9m USD
EBITDA TTM = 101.4m USD
Long Term Debt = 208.3m USD (from longTermDebt, last quarter)
Short Term Debt = 1.42b USD (from shortTermDebt, last quarter)
Debt = 1.65b USD (from shortLongTermDebtTotal, last quarter) + Leases 14.1m
Net Debt = -315.3m USD (calculated: Debt 1.65b - CCE 1.97b)
Enterprise Value = 604.0m USD (919.3m + Debt 1.65b - CCE 1.97b)
Interest Coverage Ratio = 0.50 (Ebit TTM 90.9m / Interest Expense TTM 182.4m)
EV/FCF = 4.77x (Enterprise Value 604.0m / FCF TTM 126.7m)
FCF Yield = 20.98% (FCF TTM 126.7m / Enterprise Value 604.0m)
FCF Margin = 27.70% (FCF TTM 126.7m / Revenue TTM 457.6m)
Net Margin = 16.61% (Net Income TTM 76.0m / Revenue TTM 457.6m)
Gross Margin = 49.65% ((Revenue TTM 457.6m - Cost of Revenue TTM 230.4m) / Revenue TTM)
Gross Margin QoQ = 60.42% (prev 59.41%)
Tobins Q-Ratio = 0.07 (Enterprise Value 604.0m / Total Assets 8.76b)
Interest Expense / Debt = 11.04% (Interest Expense 182.4m / Debt 1.65b)
Taxrate = 16.26% (14.8m / 90.7m)
NOPAT = 76.1m (EBIT 90.9m * (1 - 16.26%))
Current Ratio = 0.27 (Total Current Assets 2.01b / Total Current Liabilities 7.59b)
Debt / Equity = 1.87 (Debt 1.65b / totalStockholderEquity, last quarter 882.5m)
Debt / EBITDA = -3.11 (Net Debt -315.3m / EBITDA 101.4m)
Debt / FCF = -2.49 (Net Debt -315.3m / FCF TTM 126.7m)
Total Stockholder Equity = 854.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 76.0m / Total Assets 8.76b)
RoE = 8.89% (Net Income TTM 76.0m / Total Stockholder Equity 854.9m)
RoCE = 8.55% (EBIT 90.9m / Capital Employed (Equity 854.9m + L.T.Debt 208.3m))
RoIC = 2.96% (NOPAT 76.1m / Invested Capital 2.57b)
WACC = 8.78% (E(919.3m)/V(2.57b) * Re(7.94%) + D(1.65b)/V(2.57b) * Rd(11.04%) * (1-Tc(0.16)))
Discount Rate = 7.94% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.07 | Cagr: -0.63%
[DCF] Terminal Value 76.59% ; FCFF base≈91.6m ; Y1≈105.0m ; Y5≈154.5m
[DCF] Fair Price = 83.24 (EV 2.16b - Net Debt -315.3m = Equity 2.48b / Shares 29.8m; r=8.78% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -77.83 | EPS CAGR: -23.33% | SUE: 0.04 | # QB: 0
Revenue Correlation: 82.03 | Revenue CAGR: 5.73% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.79 | Chg30d=+0.00% | Revisions=-62% | Analysts=5
EPS current Year (2026-12-31): EPS=3.28 | Chg30d=+0.00% | Revisions=-57% | GrowthEPS=+142.5% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=3.23 | Chg30d=-0.25% | Revisions=-62% | GrowthEPS=-1.5% | GrowthRev=+3.1%
[Analyst] Revisions Ratio: -82% (up=0, down=14)