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SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis

NYSE:SBSI - New York Stock Exchange, Inc. - US84470P1093 - Common Stock - Currency: USD

30.7  -0.43 (-1.38%)

After market: 30.7 0 (0%)

Fundamental Rating

4

SBSI gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 394 industry peers in the Banks industry. While SBSI is still in line with the averages on profitability rating, there are concerns on its financial health. SBSI has a decent growth rate and is not valued too expensively. SBSI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

SBSI had positive earnings in the past year.
In the past year SBSI had a positive cash flow from operations.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

SBSI has a Return On Assets of 1.06%. This is in the better half of the industry: SBSI outperforms 69.52% of its industry peers.
SBSI has a Return On Equity of 10.84%. This is in the better half of the industry: SBSI outperforms 76.07% of its industry peers.
Industry RankSector Rank
ROA 1.06%
ROE 10.84%
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
SBSI Yearly ROA, ROE, ROICSBSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

Looking at the Profit Margin, with a value of 34.18%, SBSI belongs to the top of the industry, outperforming 90.18% of the companies in the same industry.
SBSI's Profit Margin has been stable 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) 34.18%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.25%
PM growth 5Y-0.48%
GM growth 3YN/A
GM growth 5YN/A
SBSI Yearly Profit, Operating, Gross MarginsSBSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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2

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.
SBSI Yearly Shares OutstandingSBSI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
SBSI Yearly Total Debt VS Total AssetsSBSI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

2.2 Solvency

SBSI has a debt to FCF ratio of 4.11. This is a neutral value as SBSI would need 4.11 years to pay back of all of its debts.
The Debt to FCF ratio of SBSI (4.11) is worse than 67.51% of its industry peers.
A Debt/Equity ratio of 0.28 indicates that SBSI is not too dependend on debt financing.
SBSI's Debt to Equity ratio of 0.28 is on the low side compared to the rest of the industry. SBSI is outperformed by 69.77% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 4.11
Altman-Z N/A
ROIC/WACCN/A
WACC14.47%
SBSI Yearly LT Debt VS Equity VS FCFSBSI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

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4

3. Growth

3.1 Past

SBSI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.18%, which is quite good.
The Earnings Per Share has been growing slightly by 5.75% on average over the past years.
The Revenue has been growing slightly by 4.15% in the past year.
The Revenue has been growing slightly by 3.97% on average over the past years.
EPS 1Y (TTM)8.18%
EPS 3Y-5.97%
EPS 5Y5.75%
EPS Q2Q%0%
Revenue 1Y (TTM)4.15%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%1.59%

3.2 Future

SBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.81% yearly.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y-1.74%
EPS Next 2Y1.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.95%
Revenue Next 2Y3.56%
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 decreasing.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
SBSI Yearly Revenue VS EstimatesSBSI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
SBSI Yearly EPS VS EstimatesSBSI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.55 indicates a reasonable valuation of SBSI.
78.09% of the companies in the same industry are more expensive than SBSI, based on the Price/Earnings ratio.
SBSI is valuated cheaply when we compare the Price/Earnings ratio to 27.41, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.18, the valuation of SBSI can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as SBSI.
SBSI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.19.
Industry RankSector Rank
PE 10.55
Fwd PE 10.18
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

Based on the Price/Free Cash Flow ratio, SBSI is valued a bit more expensive than 65.24% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.42
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

PEG (NY)N/A
PEG (5Y)1.83
EPS Next 2Y1.81%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.63%, SBSI is a good candidate for dividend investing.
SBSI's Dividend Yield is rather good when compared to the industry average which is at 3.31. SBSI pays more dividend than 85.64% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.35, SBSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.63%

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
SBSI Yearly Dividends per shareSBSI Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

SBSI pays out 49.36% of its income as dividend. This is a bit on the high side, but may be sustainable.
SBSI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP49.36%
EPS Next 2Y1.81%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
SBSI Dividend Payout.SBSI Dividend Payout, showing the Payout Ratio.SBSI Dividend Payout.PayoutRetained Earnings

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SOUTHSIDE BANCSHARES INC

NYSE:SBSI (7/11/2025, 8:04:01 PM)

After market: 30.7 0 (0%)

30.7

-0.43 (-1.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-29 2025-04-29/bmo
Earnings (Next)07-23 2025-07-23/bmo
Inst Owners58.9%
Inst Owner Change0%
Ins Owners1.68%
Ins Owner Change1.63%
Market Cap927.45M
Analysts48.89
Price Target32.64 (6.32%)
Short Float %3.42%
Short Ratio8.44
Dividend
Industry RankSector Rank
Dividend Yield 4.63%
Yearly Dividend1.44
Dividend Growth(5Y)2.71%
DP49.36%
Div Incr Years11
Div Non Decr Years11
Ex-Date05-22 2025-05-22 (0.36)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.24%
Min EPS beat(2)-2.65%
Max EPS beat(2)3.12%
EPS beat(4)2
Avg EPS beat(4)4.03%
Min EPS beat(4)-9.09%
Max EPS beat(4)24.73%
EPS beat(8)4
Avg EPS beat(8)-0.04%
EPS beat(12)7
Avg EPS beat(12)0.08%
EPS beat(16)10
Avg EPS beat(16)3.5%
Revenue beat(2)0
Avg Revenue beat(2)-5.85%
Min Revenue beat(2)-6.68%
Max Revenue beat(2)-5.02%
Revenue beat(4)0
Avg Revenue beat(4)-5.49%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-6.99%
Revenue beat(12)0
Avg Revenue beat(12)-7.12%
Revenue beat(16)0
Avg Revenue beat(16)-6.59%
PT rev (1m)0%
PT rev (3m)-12.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.51%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.03%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.96%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.57%
Valuation
Industry RankSector Rank
PE 10.55
Fwd PE 10.18
P/S 3.58
P/FCF 16.42
P/OCF 13.74
P/B 1.14
P/tB 1.51
EV/EBITDA N/A
EPS(TTM)2.91
EY9.48%
EPS(NY)3.02
Fwd EY9.82%
FCF(TTM)1.87
FCFY6.09%
OCF(TTM)2.23
OCFY7.28%
SpS8.57
BVpS27.03
TBVpS20.32
PEG (NY)N/A
PEG (5Y)1.83
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 10.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.18%
GM N/A
FCFM 21.82%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.25%
PM growth 5Y-0.48%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 4.11
Debt/EBITDA N/A
Cap/Depr 103.85%
Cap/Sales 4.25%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 63.83%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.47%
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)131.17%
Profit Quality(5y)123.99%
High Growth Momentum
Growth
EPS 1Y (TTM)8.18%
EPS 3Y-5.97%
EPS 5Y5.75%
EPS Q2Q%0%
EPS Next Y-1.74%
EPS Next 2Y1.81%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)4.15%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%1.59%
Revenue Next Year1.95%
Revenue Next 2Y3.56%
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-63.79%
FCF growth 3Y-15.01%
FCF growth 5Y6.99%
OCF growth 1Y-59.02%
OCF growth 3Y-13.27%
OCF growth 5Y4.79%