SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis

NYSE:SBSI • US84470P1093

32.9 USD
-0.11 (-0.33%)
At close: Feb 18, 2026
32.79 USD
-0.11 (-0.33%)
Pre-Market: 2/19/2026, 9:30:01 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

SBSI gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. SBSI has a bad profitability rating. Also its financial health evaluation is rather negative. 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.


Dividend Valuation Growth Profitability Health

3

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.
  • Of the past 5 years SBSI 4 years were profitable.
  • SBSI had a positive operating cash flow in 4 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

1.2 Ratios

  • SBSI has a Return On Assets of 0.83%. This is comparable to the rest of the industry: SBSI outperforms 44.88% of its industry peers.
  • SBSI has a Return On Equity (8.38%) which is in line with its industry peers.
Industry RankSector 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
SBSI Yearly ROA, ROE, ROICSBSI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10

1.3 Margins

  • SBSI's Profit Margin of 29.13% is fine compared to the rest of the industry. SBSI outperforms 74.28% 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 RankSector 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
SBSI Yearly Profit, Operating, Gross MarginsSBSI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SBSI Yearly Shares OutstandingSBSI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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.
  • With a Debt to FCF ratio value of 4.40, SBSI is not doing good in the industry: 68.24% of the companies in the same industry are doing better.
  • 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 75.07% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.48
Debt/FCF 4.4
Altman-Z N/A
ROIC/WACCN/A
WACC13.9%
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 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 100M 200M 300M 400M 500M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • SBSI shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -21.31%.
  • The Earnings Per Share has been decreasing by -1.58% on average over the past years.
EPS 1Y (TTM)-21.31%
EPS 3Y-11.2%
EPS 5Y-1.58%
EPS Q2Q%-1.41%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.79%

3.2 Future

  • Based on estimates for the next years, SBSI will show a very strong growth in Earnings Per Share. The EPS will grow by 22.18% on average per year.
  • SBSI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.71% yearly.
EPS Next Y41.47%
EPS Next 2Y22.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.89%
Revenue Next 2Y5.71%
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.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 14.37, which indicates a correct valuation of SBSI.
  • 63.78% of the companies in the same industry are cheaper than SBSI, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.27. SBSI is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 10.16 indicates a reasonable valuation of SBSI.
  • Based on the Price/Forward Earnings ratio, SBSI is valued a bit cheaper than the industry average as 66.14% of the companies are valued more expensively.
  • SBSI is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.16, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 14.37
Fwd PE 10.16
SBSI Price Earnings VS Forward Price EarningsSBSI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of SBSI indicates a somewhat cheap valuation: SBSI is cheaper than 65.88% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.78
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

  • SBSI's 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

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

8

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.37%, SBSI is a good candidate for dividend investing.
  • SBSI's Dividend Yield is rather good when compared to the industry average which is at 2.78. SBSI pays more dividend than 84.78% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.85, SBSI pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.37%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1

5.3 Sustainability

  • SBSI pays out 61.85% of its income as dividend. 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 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 50M 100M 150M 200M
SBSI Dividend Payout.SBSI Dividend Payout, showing the Payout Ratio.SBSI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SOUTHSIDE BANCSHARES INC

NYSE:SBSI (2/18/2026, 8:04:00 PM)

Premarket: 32.79 -0.11 (-0.33%)

32.9

-0.11 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-27
Inst Owners58.82%
Inst Owner Change-1.69%
Ins Owners1.56%
Ins Owner Change-0.11%
Market Cap977.79M
Revenue(TTM)N/A
Net Income(TTM)69.97M
Analysts48.89
Price Target35.7 (8.51%)
Short Float %2.89%
Short Ratio6.57
Dividend
Industry RankSector Rank
Dividend Yield 4.37%
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)-4.91%
Min Revenue beat(2)-5.55%
Max Revenue beat(2)-4.26%
Revenue beat(4)0
Avg Revenue beat(4)-5.38%
Min Revenue beat(4)-6.68%
Max Revenue beat(4)-4.26%
Revenue beat(8)0
Avg Revenue beat(8)-6.79%
Revenue beat(12)0
Avg Revenue beat(12)-6.52%
Revenue beat(16)0
Avg Revenue beat(16)-6.61%
PT rev (1m)9.38%
PT rev (3m)8.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 14.37
Fwd PE 10.16
P/S 4.07
P/FCF 10.78
P/OCF 8.98
P/B 1.17
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)2.29
EY6.96%
EPS(NY)3.24
Fwd EY9.85%
FCF(TTM)3.05
FCFY9.27%
OCF(TTM)3.67
OCFY11.14%
SpS8.08
BVpS28.09
TBVpS21.28
PEG (NY)0.35
PEG (5Y)N/A
Graham Number38.04
Profitability
Industry RankSector 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 RankSector 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
WACC13.9%
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)-21.31%
EPS 3Y-11.2%
EPS 5Y-1.58%
EPS Q2Q%-1.41%
EPS Next Y41.47%
EPS Next 2Y22.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-4.79%
Revenue Next Year5.89%
Revenue Next 2Y5.71%
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-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 5 / 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 14.37 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 1 / 10.