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SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis

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

28.88  -0.02 (-0.07%)

After market: 28.88 0 (0%)

Fundamental Rating

4

Taking everything into account, SBSI scores 4 out of 10 in our fundamental rating. SBSI was compared to 397 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 correct valuation and a medium growth rate. SBSI also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

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.
Each year in the past 5 years SBSI has been profitable.
In the past 5 years SBSI always reported a positive cash flow from operatings.
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

Looking at the Return On Assets, with a value of 1.04%, SBSI is in the better half of the industry, outperforming 69.77% of the companies in the same industry.
Looking at the Return On Equity, with a value of 10.90%, SBSI is in the better half of the industry, outperforming 75.31% of the companies in the same industry.
Industry RankSector Rank
ROA 1.04%
ROE 10.9%
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

SBSI has a better Profit Margin (34.32%) than 91.18% of its industry peers.
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) 34.32%
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.
The number of shares outstanding for SBSI has been increased compared to 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.
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

The Debt to FCF ratio of SBSI is 2.52, which is a good value as it means it would take SBSI, 2.52 years of fcf income to pay off all of its debts.
SBSI has a Debt to FCF ratio (2.52) which is in line with 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 66.50% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.52
Altman-Z N/A
ROIC/WACCN/A
WACC14.53%
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.
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 small growth in Revenue. In the last year, the Revenue has grown by 2.79%.
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)2.79%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%5.32%

3.2 Future

SBSI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.73% yearly.
The Revenue is expected to grow by 3.94% on average over the next years.
EPS Next Y-0.98%
EPS Next 2Y1.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.53%
Revenue Next 2Y3.94%
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.
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.
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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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.92 indicates a reasonable valuation of SBSI.
Compared to the rest of the industry, the Price/Earnings ratio of SBSI indicates a somewhat cheap valuation: SBSI is cheaper than 78.59% of the companies listed in the same industry.
SBSI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.
A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of SBSI.
The rest of the industry has a similar Price/Forward Earnings ratio as SBSI.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.44, SBSI is valued rather cheaply.
Industry RankSector Rank
PE 9.92
Fwd PE 9.59
SBSI Price Earnings VS Forward Price EarningsSBSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SBSI is valued a bit cheaper than 65.74% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.68
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)1.72
EPS Next 2Y1.73%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

SBSI has a Yearly Dividend Yield of 4.98%, which is a nice return.
SBSI's Dividend Yield is rather good when compared to the industry average which is at 3.49. SBSI pays more dividend than 87.66% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.44, SBSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.98%

5.2 History

The dividend of SBSI has a limited annual growth rate of 2.71%.
SBSI has been paying a dividend for at least 10 years, so it has a reliable track record.
SBSI has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
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

49.30% of the earnings are spent on dividend by SBSI. 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.
DP49.3%
EPS Next 2Y1.73%
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 (5/9/2025, 8:21:10 PM)

After market: 28.88 0 (0%)

28.88

-0.02 (-0.07%)

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 Owners58.54%
Inst Owner Change-0.18%
Ins Owners1.8%
Ins Owner Change-0.38%
Market Cap878.24M
Analysts48.89
Price Target32.64 (13.02%)
Short Float %3.17%
Short Ratio7.04
Dividend
Industry RankSector Rank
Dividend Yield 4.98%
Yearly Dividend1.44
Dividend Growth(5Y)2.71%
DP49.3%
Div Incr Years11
Div Non Decr Years11
Ex-Date02-20 2025-02-20 (0.36)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.87%
Min EPS beat(2)-9.09%
Max EPS beat(2)-2.65%
EPS beat(4)2
Avg EPS beat(4)3.97%
Min EPS beat(4)-9.09%
Max EPS beat(4)24.73%
EPS beat(8)4
Avg EPS beat(8)0.02%
EPS beat(12)7
Avg EPS beat(12)0.52%
EPS beat(16)10
Avg EPS beat(16)6.36%
Revenue beat(2)0
Avg Revenue beat(2)-6.91%
Min Revenue beat(2)-8.79%
Max Revenue beat(2)-5.02%
Revenue beat(4)0
Avg Revenue beat(4)-6%
Min Revenue beat(4)-8.79%
Max Revenue beat(4)-1.48%
Revenue beat(8)0
Avg Revenue beat(8)-7.16%
Revenue beat(12)0
Avg Revenue beat(12)-7.1%
Revenue beat(16)0
Avg Revenue beat(16)-6.29%
PT rev (1m)-7.31%
PT rev (3m)-10.96%
EPS NQ rev (1m)0.48%
EPS NQ rev (3m)-0.37%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)-0.53%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)-0.2%
Revenue NY rev (3m)-0.24%
Valuation
Industry RankSector Rank
PE 9.92
Fwd PE 9.59
P/S 3.41
P/FCF 9.68
P/OCF 8.62
P/B 1.08
P/tB 1.44
EV/EBITDA N/A
EPS(TTM)2.91
EY10.08%
EPS(NY)3.01
Fwd EY10.43%
FCF(TTM)2.98
FCFY10.33%
OCF(TTM)3.35
OCFY11.6%
SpS8.48
BVpS26.7
TBVpS20.03
PEG (NY)N/A
PEG (5Y)1.72
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 10.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.32%
GM N/A
FCFM 35.17%
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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.52
Debt/EBITDA N/A
Cap/Depr 106.72%
Cap/Sales 4.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 102.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC14.53%
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-0.98%
EPS Next 2Y1.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.79%
Revenue growth 3Y2.58%
Revenue growth 5Y3.97%
Sales Q2Q%5.32%
Revenue Next Year2.53%
Revenue Next 2Y3.94%
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 1Y24.3%
FCF growth 3Y-15.01%
FCF growth 5Y6.99%
OCF growth 1Y27.53%
OCF growth 3Y-13.27%
OCF growth 5Y4.79%