SOUTHSIDE BANCSHARES INC (SBSI) Fundamental Analysis & Valuation

NYSE:SBSI • US84470P1093

Current stock price

30.4 USD
-0.58 (-1.87%)
At close:
30.4 USD
0 (0%)
After Hours:

This SBSI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SBSI Profitability Analysis

1.1 Basic Checks

  • In the past year SBSI was profitable.
  • SBSI had a positive operating cash flow in the past year.
  • SBSI had positive earnings in each of the past 5 years.
  • In the past 5 years SBSI always reported a positive cash flow from operatings.
SBSI Yearly Net Income VS EBIT VS OCF VS FCFSBSI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

1.2 Ratios

  • SBSI's Return On Assets of 0.81% is on the low side compared to the rest of the industry. SBSI is outperformed by 62.11% of its industry peers.
  • The Return On Equity of SBSI (8.16%) is worse than 61.32% of its industry peers.
Industry RankSector Rank
ROA 0.81%
ROE 8.16%
ROIC N/A
ROA(3y)0.97%
ROA(5y)1.17%
ROE(3y)10.09%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
SBSI Yearly ROA, ROE, ROICSBSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10

1.3 Margins

  • SBSI has a better Profit Margin (29.18%) than 71.58% of its industry peers.
  • In the last couple of years the Profit Margin of SBSI has declined.
  • SBSI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.05%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A
SBSI Yearly Profit, Operating, Gross MarginsSBSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. SBSI Health Analysis

2.1 Basic Checks

  • SBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • SBSI has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SBSI has less shares outstanding
  • SBSI has a worse debt/assets ratio than last year.
SBSI Yearly Shares OutstandingSBSI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
SBSI Yearly Total Debt VS Total AssetsSBSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B

2.2 Solvency

  • SBSI has a debt to FCF ratio of 6.92. This is a slightly negative value and a sign of low solvency as SBSI would need 6.92 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 6.92, SBSI is not doing good in the industry: 74.74% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 0.60 indicates that SBSI is somewhat dependend on debt financing.
  • SBSI has a worse Debt to Equity ratio (0.60) than 79.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 6.92
Altman-Z N/A
ROIC/WACCN/A
WACC13.85%
SBSI Yearly LT Debt VS Equity VS FCFSBSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SBSI Yearly Current Assets VS Current LiabilitesSBSI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SBSI Growth Analysis

3.1 Past

  • SBSI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.31%.
  • Measured over the past years, SBSI shows a decrease in Earnings Per Share. The EPS has been decreasing by -1.58% on average per year.
  • Looking at the last year, SBSI shows a decrease in Revenue. The Revenue has decreased by -8.07% in the last year.
  • Measured over the past years, SBSI shows a small growth in Revenue. The Revenue has been growing by 0.00% on average per year.
EPS 1Y (TTM)-21.31%
EPS 3Y-11.2%
EPS 5Y-1.58%
EPS Q2Q%-1.41%
Revenue 1Y (TTM)-8.07%
Revenue growth 3Y-2.17%
Revenue growth 5Y0%
Sales Q2Q%-4.79%

3.2 Future

  • SBSI is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.18% yearly.
  • SBSI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.08% yearly.
EPS Next Y41.47%
EPS Next 2Y22.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.35%
Revenue Next 2Y6.08%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
SBSI Yearly Revenue VS EstimatesSBSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
SBSI Yearly EPS VS EstimatesSBSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. SBSI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.28, SBSI is valued correctly.
  • 64.74% of the companies in the same industry are cheaper than SBSI, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of SBSI to the average of the S&P500 Index (24.88), we can say SBSI is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 9.38, the valuation of SBSI can be described as reasonable.
  • SBSI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SBSI is cheaper than 61.32% of the companies in the same industry.
  • SBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.19.
Industry RankSector Rank
PE 13.28
Fwd PE 9.38
SBSI Price Earnings VS Forward Price EarningsSBSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as SBSI.
Industry RankSector Rank
P/FCF 12.3
EV/EBITDA N/A
SBSI Per share dataSBSI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as SBSI's earnings are expected to grow with 22.18% in the coming years.
PEG (NY)0.32
PEG (5Y)N/A
EPS Next 2Y22.18%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SBSI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.65%, SBSI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.69, SBSI pays a better dividend. On top of this SBSI pays more dividend than 90.26% of the companies listed in the same industry.
  • SBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 4.65%

5.2 History

  • The dividend of SBSI has a limited annual growth rate of 2.22%.
  • SBSI has been paying a dividend for at least 10 years, so it has a reliable track record.
  • SBSI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)2.22%
Div Incr Years11
Div Non Decr Years11
SBSI Yearly Dividends per shareSBSI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1

5.3 Sustainability

  • SBSI pays out 62.69% of its income as dividend. This is not a sustainable payout ratio.
  • SBSI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP62.69%
EPS Next 2Y22.18%
EPS Next 3YN/A
SBSI Yearly Income VS Free CF VS DividendSBSI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
SBSI Dividend Payout.SBSI Dividend Payout, showing the Payout Ratio.SBSI Dividend Payout.PayoutRetained Earnings

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SBSI Fundamentals: All Metrics, Ratios and Statistics

SOUTHSIDE BANCSHARES INC

NYSE:SBSI (3/27/2026, 8:04:00 PM)

After market: 30.4 0 (0%)

30.4

-0.58 (-1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners58.78%
Inst Owner Change-2.28%
Ins Owners1.3%
Ins Owner Change0.24%
Market Cap904.10M
Revenue(TTM)237.04M
Net Income(TTM)69.18M
Analysts48.89
Price Target35.7 (17.43%)
Short Float %2.71%
Short Ratio6.4
Dividend
Industry RankSector Rank
Dividend Yield 4.65%
Yearly Dividend1.44
Dividend Growth(5Y)2.22%
DP62.69%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-19
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-45.5%
Min EPS beat(2)-78.14%
Max EPS beat(2)-12.85%
EPS beat(4)2
Avg EPS beat(4)-21.02%
Min EPS beat(4)-78.14%
Max EPS beat(4)3.81%
EPS beat(8)4
Avg EPS beat(8)-8.53%
EPS beat(12)6
Avg EPS beat(12)-6.99%
EPS beat(16)9
Avg EPS beat(16)-4.86%
Revenue beat(2)0
Avg Revenue beat(2)-9.83%
Min Revenue beat(2)-14.1%
Max Revenue beat(2)-5.55%
Revenue beat(4)0
Avg Revenue beat(4)-7.65%
Min Revenue beat(4)-14.1%
Max Revenue beat(4)-4.26%
Revenue beat(8)0
Avg Revenue beat(8)-6.82%
Revenue beat(12)0
Avg Revenue beat(12)-7.32%
Revenue beat(16)0
Avg Revenue beat(16)-7.24%
PT rev (1m)0%
PT rev (3m)9.38%
EPS NQ rev (1m)-0.73%
EPS NQ rev (3m)1.35%
EPS NY rev (1m)0%
EPS NY rev (3m)2.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.97%
Valuation
Industry RankSector Rank
PE 13.28
Fwd PE 9.38
P/S 3.81
P/FCF 12.3
P/OCF 9.64
P/B 1.07
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)2.29
EY7.53%
EPS(NY)3.24
Fwd EY10.66%
FCF(TTM)2.47
FCFY8.13%
OCF(TTM)3.15
OCFY10.38%
SpS7.97
BVpS28.5
TBVpS21.7
PEG (NY)0.32
PEG (5Y)N/A
Graham Number38.32
Profitability
Industry RankSector Rank
ROA 0.81%
ROE 8.16%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.18%
GM N/A
FCFM 31%
ROA(3y)0.97%
ROA(5y)1.17%
ROE(3y)10.09%
ROE(5y)11.35%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-11.05%
PM growth 5Y-3.39%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 6.92
Debt/EBITDA N/A
Cap/Depr 191.69%
Cap/Sales 8.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 106.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.85%
ROIC/WACCN/A
Cap/Depr(3y)121.23%
Cap/Depr(5y)104.23%
Cap/Sales(3y)5.22%
Cap/Sales(5y)4.57%
Profit Quality(3y)97.65%
Profit Quality(5y)126.01%
High Growth Momentum
Growth
EPS 1Y (TTM)-21.31%
EPS 3Y-11.2%
EPS 5Y-1.58%
EPS Q2Q%-1.41%
EPS Next Y41.47%
EPS Next 2Y22.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-8.07%
Revenue growth 3Y-2.17%
Revenue growth 5Y0%
Sales Q2Q%-4.79%
Revenue Next Year6.35%
Revenue Next 2Y6.08%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-18.98%
FCF growth 3Y-30.32%
FCF growth 5Y-1.46%
OCF growth 1Y-7.89%
OCF growth 3Y-25.46%
OCF growth 5Y0.72%

SOUTHSIDE BANCSHARES INC / SBSI Fundamental Analysis FAQ

What is the fundamental rating for SBSI stock?

ChartMill assigns a fundamental rating of 3 / 10 to SBSI.


What is the valuation status for SBSI stock?

ChartMill assigns a valuation rating of 5 / 10 to SOUTHSIDE BANCSHARES INC (SBSI). This can be considered as Fairly Valued.


What is the profitability of SBSI stock?

SOUTHSIDE BANCSHARES INC (SBSI) has a profitability rating of 3 / 10.


What are the PE and PB ratios of SOUTHSIDE BANCSHARES INC (SBSI) stock?

The Price/Earnings (PE) ratio for SOUTHSIDE BANCSHARES INC (SBSI) is 13.28 and the Price/Book (PB) ratio is 1.07.


How financially healthy is SOUTHSIDE BANCSHARES INC?

The financial health rating of SOUTHSIDE BANCSHARES INC (SBSI) is 1 / 10.