SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SBSI - US84470P1093 - Common Stock
31.99 USD
-0.13 (-0.4%)
31.99 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to SBSI. SBSI was compared to 387 industry peers in the Banks industry. SBSI may be in some trouble as it scores bad on both profitability and health. SBSI has a valuation in line with the averages, but on the other hand it scores bad on growth. SBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SBSI had positive earnings in the past year.
SBSI had a positive operating cash flow in the past year.
SBSI had positive earnings in each of the past 5 years.
SBSI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.83%, SBSI perfoms like the industry average, outperforming 45.74% of the companies in the same industry.
SBSI has a Return On Equity (8.38%) which is comparable to the rest of the 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
With a decent Profit Margin value of 29.13%, SBSI is doing good in the industry, outperforming 75.71% of the companies in the same industry.
In the last couple of years the Profit Margin of SBSI has remained more or less at the same level.
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.
Compared to 1 year ago, SBSI has an improved debt to assets ratio.
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's Debt to FCF ratio of 4.40 is on the low side compared to the rest of the industry. SBSI is outperformed by 67.44% of its industry peers.
A Debt/Equity ratio of 0.48 indicates that SBSI is not too dependend on debt financing.
SBSI has a Debt to Equity ratio of 0.48. This is in the lower half of the industry: SBSI underperforms 75.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.48 | ||
| Debt/FCF | 4.4 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.16%
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.
The Earnings Per Share has been growing slightly by 5.75% on average over the past years.
Looking at the last year, SBSI shows a decrease in Revenue. The Revenue has decreased by -3.48% in the last year.
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
Based on estimates for the next years, SBSI will show a small growth in Earnings Per Share. The EPS will grow by 4.97% on average per year.
The Revenue is expected to grow by 4.63% on average over the next years.
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.91, which indicates a correct valuation of SBSI.
The rest of the industry has a similar Price/Earnings ratio as SBSI.
The average S&P500 Price/Earnings ratio is at 26.54. SBSI is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 10.08, 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.
SBSI is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 10.08 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBSI is valued a bit cheaper than the industry average as 64.60% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.42
EPS Next 2Y4.41%
EPS Next 3Y4.97%
5. Dividend
5.1 Amount
SBSI has a Yearly Dividend Yield of 4.73%, which is a nice return.
Compared to an average industry Dividend Yield of 3.11, SBSI pays a better dividend. On top of this SBSI pays more dividend than 89.41% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, SBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
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%
31.99
-0.13 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.76%
Inst Owner Change0.56%
Ins Owners1.56%
Ins Owner Change-0.24%
Market Cap961.94M
Revenue(TTM)240.20M
Net Income(TTM)69.97M
Analysts48.89
Price Target32.64 (2.03%)
Short Float %3.62%
Short Ratio7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.73% |
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)-1.03%
PT rev (3m)-5.88%
EPS NQ rev (1m)1.94%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)-3.13%
EPS NY rev (3m)-12.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.91 | ||
| Fwd PE | 10.08 | ||
| P/S | 4 | ||
| P/FCF | 10.61 | ||
| P/OCF | 8.83 | ||
| P/B | 1.15 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY7.19%
EPS(NY)3.17
Fwd EY9.92%
FCF(TTM)3.02
FCFY9.43%
OCF(TTM)3.62
OCFY11.32%
SpS7.99
BVpS27.76
TBVpS21.04
PEG (NY)N/A
PEG (5Y)2.42
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
WACC14.16%
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.
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 13.91 and the Price/Book (PB) ratio is 1.15.
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%.