SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis
USA - NYSE:SBSI - US84470P1093 - Common Stock
28.63 USD
-0.21 (-0.73%)
Taking everything into account, SBSI scores 3 out of 10 in our fundamental rating. SBSI was compared to 388 industry peers in the Banks industry. Both the profitability and financial health of SBSI have multiple concerns. SBSI has a valuation in line with the averages, but it does not seem to be growing. Finally SBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SBSI was profitable.
In the past year SBSI had a positive cash flow from operations.
In the past 5 years SBSI has always been profitable.
SBSI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of SBSI (0.83%) is comparable to the rest of the industry.
SBSI's Return On Equity of 8.38% is in line compared to the rest of the industry. SBSI outperforms 46.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 8.38% | ||
| ROIC | N/A |
ROA(3y)1.16%
ROA(5y)1.24%
ROE(3y)12.06%
ROE(5y)11.6%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
SBSI has a better Profit Margin (29.13%) than 77.06% of its industry peers.
SBSI's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for SBSI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 29.13% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.27%
PM growth 5Y-0.49%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SBSI does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SBSI has more shares outstanding
Compared to 5 years ago, SBSI has less shares outstanding
The debt/assets ratio for SBSI has been reduced compared to a year ago.
2.2 Solvency
SBSI has a debt to FCF ratio of 4.40. This is a neutral value as SBSI would need 4.40 years to pay back of all of its debts.
SBSI has a worse Debt to FCF ratio (4.40) than 65.21% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that SBSI is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.48, SBSI is not doing good in the industry: 76.80% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SBSI have decreased strongly by -16.97% in the last year.
Measured over the past 5 years, SBSI shows a small growth in Earnings Per Share. The EPS has been growing by 5.75% on average per year.
SBSI shows a decrease in Revenue. In the last year, the revenue decreased by -3.48%.
SBSI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.97% yearly.
EPS 1Y (TTM)-16.97%
EPS 3Y-5.97%
EPS 5Y5.75%
EPS Q2Q%-76.47%
Revenue 1Y (TTM)-3.48%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%5.34%
3.2 Future
SBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.97% yearly.
Based on estimates for the next years, SBSI will show a small growth in Revenue. The Revenue will grow by 4.63% on average per year.
EPS Next Y-7.64%
EPS Next 2Y3.57%
EPS Next 3Y4.97%
EPS Next 5YN/A
Revenue Next Year2.81%
Revenue Next 2Y4.15%
Revenue Next 3Y4.63%
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 stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
SBSI is valuated correctly with a Price/Earnings ratio of 12.45.
The rest of the industry has a similar Price/Earnings ratio as SBSI.
Compared to an average S&P500 Price/Earnings ratio of 25.89, SBSI is valued rather cheaply.
A Price/Forward Earnings ratio of 9.17 indicates a reasonable valuation of SBSI.
62.63% of the companies in the same industry are more expensive than SBSI, based on the Price/Forward Earnings ratio.
SBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.17 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBSI is valued a bit cheaper than the industry average as 68.30% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.5 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.16
EPS Next 2Y3.57%
EPS Next 3Y4.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.00%, SBSI is a good candidate for dividend investing.
SBSI's Dividend Yield is rather good when compared to the industry average which is at 3.39. SBSI pays more dividend than 87.11% of the companies in the same industry.
SBSI's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
5.2 History
The dividend of SBSI has a limited annual growth rate of 2.71%.
SBSI has paid a dividend for at least 10 years, which is a reliable track record.
SBSI has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.71%
Div Incr Years11
Div Non Decr Years11
5.3 Sustainability
SBSI pays out 61.85% of its income as dividend. This is not a sustainable payout ratio.
The dividend of SBSI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP61.85%
EPS Next 2Y3.57%
EPS Next 3Y4.97%
NYSE:SBSI (11/17/2025, 12:21:00 PM)
28.63
-0.21 (-0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.77%
Inst Owner Change0.56%
Ins Owners1.55%
Ins Owner Change0.17%
Market Cap861.19M
Revenue(TTM)240.20M
Net Income(TTM)69.97M
Analysts48.89
Price Target32.98 (15.19%)
Short Float %3.64%
Short Ratio8.48
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5% |
Yearly Dividend1.44
Dividend Growth(5Y)2.71%
DP61.85%
Div Incr Years11
Div Non Decr Years11
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-37.17%
Min EPS beat(2)-78.14%
Max EPS beat(2)3.81%
EPS beat(4)2
Avg EPS beat(4)-18.46%
Min EPS beat(4)-78.14%
Max EPS beat(4)3.81%
EPS beat(8)4
Avg EPS beat(8)-8.91%
EPS beat(12)7
Avg EPS beat(12)-5.86%
EPS beat(16)10
Avg EPS beat(16)-3.18%
Revenue beat(2)0
Avg Revenue beat(2)-5.38%
Min Revenue beat(2)-6.5%
Max Revenue beat(2)-4.26%
Revenue beat(4)0
Avg Revenue beat(4)-5.61%
Min Revenue beat(4)-6.68%
Max Revenue beat(4)-4.26%
Revenue beat(8)0
Avg Revenue beat(8)-6.9%
Revenue beat(12)0
Avg Revenue beat(12)-6.6%
Revenue beat(16)0
Avg Revenue beat(16)-6.67%
PT rev (1m)-4.9%
PT rev (3m)-4.9%
EPS NQ rev (1m)5.1%
EPS NQ rev (3m)5.1%
EPS NY rev (1m)-8.98%
EPS NY rev (3m)-6%
Revenue NQ rev (1m)0.33%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.45 | ||
| Fwd PE | 9.17 | ||
| P/S | 3.59 | ||
| P/FCF | 9.5 | ||
| P/OCF | 7.91 | ||
| P/B | 1.03 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY8.03%
EPS(NY)3.12
Fwd EY10.9%
FCF(TTM)3.01
FCFY10.53%
OCF(TTM)3.62
OCFY12.65%
SpS7.99
BVpS27.75
TBVpS21.03
PEG (NY)N/A
PEG (5Y)2.16
Graham Number37.9
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.83% | ||
| ROE | 8.38% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.13% | ||
| GM | N/A | ||
| FCFM | 37.75% |
ROA(3y)1.16%
ROA(5y)1.24%
ROE(3y)12.06%
ROE(5y)11.6%
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-10.27%
PM growth 5Y-0.49%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.4 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 166.91% | ||
| Cap/Sales | 7.6% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 129.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC14.42%
ROIC/WACCN/A
Cap/Depr(3y)85.26%
Cap/Depr(5y)84.74%
Cap/Sales(3y)3.58%
Cap/Sales(5y)3.82%
Profit Quality(3y)131.2%
Profit Quality(5y)124.02%
High Growth Momentum
Growth
EPS 1Y (TTM)-16.97%
EPS 3Y-5.97%
EPS 5Y5.75%
EPS Q2Q%-76.47%
EPS Next Y-7.64%
EPS Next 2Y3.57%
EPS Next 3Y4.97%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.48%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%5.34%
Revenue Next Year2.81%
Revenue Next 2Y4.15%
Revenue Next 3Y4.63%
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-38.98%
FCF growth 3Y-15.01%
FCF growth 5Y6.99%
OCF growth 1Y-29.54%
OCF growth 3Y-13.27%
OCF growth 5Y4.79%
SOUTHSIDE BANCSHARES INC / SBSI FAQ
What is the fundamental rating for SBSI stock?
ChartMill assigns a fundamental rating of 3 / 10 to SBSI.
Can you provide the valuation status for SOUTHSIDE BANCSHARES INC?
ChartMill assigns a valuation rating of 4 / 10 to SOUTHSIDE BANCSHARES INC (SBSI). This can be considered as Fairly Valued.
How profitable is SOUTHSIDE BANCSHARES INC (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 12.45 and the Price/Book (PB) ratio is 1.03.
Can you provide the dividend sustainability for SBSI stock?
The dividend rating of SOUTHSIDE BANCSHARES INC (SBSI) is 8 / 10 and the dividend payout ratio is 61.85%.