SOUTHSIDE BANCSHARES INC (SBSI) Fundamental Analysis & Valuation

NYSE:SBSI • US84470P1093

Current stock price

33.38 USD
+0.8 (+2.46%)
At close:
33.38 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.
  • Each year in the past 5 years SBSI had a positive operating cash flow.
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

  • The Return On Assets of SBSI (0.81%) is worse than 64.63% of its industry peers.
  • The Return On Equity of SBSI (8.16%) is worse than 63.30% 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 70.74% of its industry peers.
  • SBSI's Profit Margin has declined in the last couple of years.
  • 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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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.
  • The number of shares outstanding for SBSI has been reduced compared to 1 year ago.
  • Compared to 5 years ago, SBSI has less shares outstanding
  • The debt/assets ratio for SBSI is higher compared to a year ago.
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.
  • SBSI's Debt to FCF ratio of 6.92 is on the low side compared to the rest of the industry. SBSI is outperformed by 77.39% of its industry peers.
  • A Debt/Equity ratio of 0.60 indicates that SBSI is somewhat dependend on debt financing.
  • The Debt to Equity ratio of SBSI (0.60) is worse than 80.05% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.6
Debt/FCF 6.92
Altman-Z N/A
ROIC/WACCN/A
WACC13.45%
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

  • The earnings per share for SBSI have decreased strongly by -21.31% in the last year.
  • The Earnings Per Share has been decreasing by -1.58% on average over the past years.
  • 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

  • The Earnings Per Share is expected to grow by 22.18% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 6.08% on average over the next years.
EPS Next Y41.42%
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

  • A Price/Earnings ratio of 14.58 indicates a correct valuation of SBSI.
  • Based on the Price/Earnings ratio, SBSI is valued a bit more expensive than 66.76% of the companies in the same industry.
  • SBSI is valuated rather cheaply when we compare the Price/Earnings ratio to 27.89, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 10.31, the valuation of SBSI can be described as reasonable.
  • SBSI's Price/Forward Earnings ratio is in line with the industry average.
  • SBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.50.
Industry RankSector Rank
PE 14.58
Fwd PE 10.31
SBSI Price Earnings VS Forward Price EarningsSBSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SBSI's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 13.51
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.
  • SBSI's earnings are expected to grow with 22.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.35
PEG (5Y)N/A
EPS Next 2Y22.18%
EPS Next 3YN/A

More info and screens

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

8

5. SBSI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.42%, SBSI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 2.58, SBSI pays a better dividend. On top of this SBSI pays more dividend than 92.29% of the companies listed in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, SBSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.42%

5.2 History

  • The dividend of SBSI has a limited annual growth rate of 2.22%.
  • 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)2.22%
Div Incr Years0
Div Non Decr Years12
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.
  • The dividend of SBSI is growing, but earnings are growing more, so the dividend growth is 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 (4/17/2026, 8:04:00 PM)

After market: 33.38 0 (0%)

33.38

+0.8 (+2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-28
Inst Owners58.91%
Inst Owner Change-0.01%
Ins Owners1.19%
Ins Owner Change0.24%
Market Cap992.72M
Revenue(TTM)237.04M
Net Income(TTM)69.18M
Analysts48.89
Price Target35.7 (6.95%)
Short Float %2.96%
Short Ratio7.04
Dividend
Industry RankSector Rank
Dividend Yield 4.42%
Yearly Dividend1.44
Dividend Growth(5Y)2.22%
DP62.69%
Div Incr Years0
Div Non Decr Years12
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)0.01%
EPS NQ rev (3m)2.11%
EPS NY rev (1m)-0.04%
EPS NY rev (3m)2.09%
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 14.58
Fwd PE 10.31
P/S 4.19
P/FCF 13.51
P/OCF 10.58
P/B 1.17
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)2.29
EY6.86%
EPS(NY)3.24
Fwd EY9.7%
FCF(TTM)2.47
FCFY7.4%
OCF(TTM)3.15
OCFY9.45%
SpS7.97
BVpS28.5
TBVpS21.7
PEG (NY)0.35
PEG (5Y)N/A
Graham Number38.3211 (14.8%)
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
WACC13.45%
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 Y41.42%
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.


Can you provide the profitability details for SOUTHSIDE BANCSHARES INC?

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


How financially healthy is SOUTHSIDE BANCSHARES INC?

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


Is the dividend of SOUTHSIDE BANCSHARES INC sustainable?

The dividend rating of SOUTHSIDE BANCSHARES INC (SBSI) is 8 / 10 and the dividend payout ratio is 62.69%.