SOUTHSIDE BANCSHARES INC (SBSI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SBSI - US84470P1093 - Common Stock
32.18 USD
+0.19 (+0.59%)
32.18 USD
0 (0%)
Overall SBSI gets a fundamental rating of 3 out of 10. We evaluated SBSI against 385 industry peers in the Banks industry. Both the profitability and financial health of SBSI have multiple concerns. SBSI is valued correctly, but it does not seem to be growing. SBSI also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year SBSI was profitable.
SBSI had a positive operating cash flow in the past year.
SBSI had positive earnings in each of the past 5 years.
Each year in the past 5 years SBSI had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SBSI (0.83%) is comparable to the rest of the industry.
The Return On Equity of SBSI (8.38%) 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
The Profit Margin of SBSI (29.13%) is better than 75.58% of its industry peers.
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.
The number of shares outstanding for SBSI has been increased compared to 1 year ago.
Compared to 5 years ago, SBSI has less shares outstanding
SBSI has a better debt/assets ratio than last year.
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 has a worse Debt to FCF ratio (4.40) than 68.05% 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.
The Debt to Equity ratio of SBSI (0.48) is worse than 75.84% 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.
Measured over the past years, SBSI shows a small growth in Revenue. The Revenue has been growing by 3.97% on average per year.
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.
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
SBSI is valuated correctly with a Price/Earnings ratio of 13.99.
The rest of the industry has a similar Price/Earnings ratio as SBSI.
Compared to an average S&P500 Price/Earnings ratio of 26.55, SBSI is valued a bit cheaper.
A Price/Forward Earnings ratio of 10.14 indicates a reasonable valuation of SBSI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SBSI indicates a somewhat cheap valuation: SBSI is cheaper than 60.52% of the companies listed in the same industry.
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 | 13.99 | ||
| Fwd PE | 10.14 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, SBSI is valued a bit cheaper than the industry average as 64.68% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.67 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.43
EPS Next 2Y4.41%
EPS Next 3Y4.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.48%, SBSI is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.70, SBSI pays a better dividend. On top of this SBSI pays more dividend than 87.53% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, SBSI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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 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.
The dividend of SBSI is growing, but earnings are growing more, so the dividend growth is sustainable.
DP61.85%
EPS Next 2Y4.41%
EPS Next 3Y4.97%
32.18
+0.19 (+0.59%)
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-1.13%
Market Cap967.65M
Revenue(TTM)240.20M
Net Income(TTM)69.97M
Analysts48.89
Price Target32.64 (1.43%)
Short Float %3.62%
Short Ratio7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.48% |
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 | 13.99 | ||
| Fwd PE | 10.14 | ||
| P/S | 4.03 | ||
| P/FCF | 10.67 | ||
| P/OCF | 8.88 | ||
| P/B | 1.16 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.3
EY7.15%
EPS(NY)3.17
Fwd EY9.86%
FCF(TTM)3.02
FCFY9.37%
OCF(TTM)3.62
OCFY11.26%
SpS7.99
BVpS27.76
TBVpS21.04
PEG (NY)N/A
PEG (5Y)2.43
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 13.99 and the Price/Book (PB) ratio is 1.16.
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%.