SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SBSI - US84470P1093 - Common Stock
32.37 USD
+0.54 (+1.7%)
32.37 USD
0 (0%)
Taking everything into account, SBSI scores 3 out of 10 in our fundamental rating. SBSI was compared to 383 industry peers in the Banks industry. SBSI has a bad profitability rating. Also its financial health evaluation is rather negative. SBSI is valued correctly, 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.
- 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.
1.2 Ratios
- SBSI has a Return On Assets (0.83%) which is comparable to the rest of the industry.
- Looking at the Return On Equity, with a value of 8.38%, SBSI is in line with its industry, outperforming 44.91% of the companies in the same industry.
| 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's Profit Margin of 29.13% is fine compared to the rest of the industry. SBSI outperforms 75.20% 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.
- SBSI has more shares outstanding than it did 1 year ago.
- SBSI has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for SBSI has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of SBSI is 4.40, which is a neutral value as it means it would take SBSI, 4.40 years of fcf income to pay off all of its debts.
- SBSI has a worse Debt to FCF ratio (4.40) than 68.41% of its industry peers.
- SBSI has a Debt/Equity ratio of 0.48. This is a healthy value indicating a solid balance between debt and equity.
- SBSI has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: SBSI underperforms 75.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SBSI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -16.97%.
- The Earnings Per Share has been growing slightly by 5.75% on average over the past years.
- 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-10.53%
EPS Next 2Y4.41%
EPS Next 3Y4.97%
EPS Next 5YN/A
Revenue Next Year2.99%
Revenue Next 2Y4.15%
Revenue Next 3Y4.63%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is stable: in the next years the growth will be about the same 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 stable.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 14.07, SBSI is valued correctly.
- SBSI's Price/Earnings ratio is in line with the industry average.
- SBSI is valuated rather cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 10.20, the valuation of SBSI can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of SBSI is on the same level as its industry peers.
- The average S&P500 Price/Forward Earnings ratio is at 24.31. SBSI is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 10.2 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, SBSI is valued a bit cheaper than the industry average as 62.92% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.74 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.45
EPS Next 2Y4.41%
EPS Next 3Y4.97%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.54%, SBSI is a good candidate for dividend investing.
- SBSI's Dividend Yield is rather good when compared to the industry average which is at 2.90. SBSI pays more dividend than 81.98% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.92, SBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.54% |
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
- 61.85% of the earnings are spent on dividend by SBSI. This is not a sustainable payout ratio.
- SBSI's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP61.85%
EPS Next 2Y4.41%
EPS Next 3Y4.97%
32.37
+0.54 (+1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-23 2026-01-23/bmo
Inst Owners58.82%
Inst Owner Change0.01%
Ins Owners1.56%
Ins Owner Change-1.09%
Market Cap973.37M
Revenue(TTM)240.20M
Net Income(TTM)69.97M
Analysts48.89
Price Target32.64 (0.83%)
Short Float %3.54%
Short Ratio6.73
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.54% |
Yearly Dividend1.44
Dividend Growth(5Y)2.71%
DP61.85%
Div Incr Years11
Div Non Decr Years11
Ex-DateN/A
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)0%
PT rev (3m)-5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)-11.83%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.07 | ||
| Fwd PE | 10.2 | ||
| P/S | 4.05 | ||
| P/FCF | 10.74 | ||
| P/OCF | 8.94 | ||
| P/B | 1.17 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY7.11%
EPS(NY)3.17
Fwd EY9.8%
FCF(TTM)3.02
FCFY9.31%
OCF(TTM)3.62
OCFY11.19%
SpS7.99
BVpS27.76
TBVpS21.04
PEG (NY)N/A
PEG (5Y)2.45
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%
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-10.53%
EPS Next 2Y4.41%
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 Year2.99%
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.
What is the valuation status for SBSI stock?
ChartMill assigns a valuation rating of 4 / 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 14.07 and the Price/Book (PB) ratio is 1.17.
How financially healthy is SOUTHSIDE BANCSHARES INC?
The financial health rating of SOUTHSIDE BANCSHARES INC (SBSI) is 2 / 10.