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Southside Bancshares, Inc. SBSI R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.southside.com
Company Profile ↓
$32.83
+12.13% 1Y
Mkt Cap$976.75M
P/E12.87
P/B1.10
Div. Yield4.41%
52W High$35.33
52W Low$25.24
Book Value$29.61
EPS (TTM)$2.55

Company Overview

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit. The company offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate. It also provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 12.9, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 31.0%.

Dividend Income

Offers a dividend yield of 4.41%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue +8.3%, earnings +25.0%.
  • 5-Year Trend Long-term compounding — profit CAGR 2.8%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:8.30%

Compounded Profit Growth

5 Years:2.81%
1 Year:25.00%

Stock Price Performance

1 Year:+12.13%
6 Months:+9.91%
3 Months:+0.18%
1 Month:+1.68%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 75% of range
$25.24 $35.33
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)57.52 · Neutral
Price Performance
1M+1.68%
3M+0.18%
6M+9.91%
1Y+12.13%
Valuation vs Sector

P/E of 12.87 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 31.0%.
  • Attractive dividend yield of 4.41%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.87
Industry PE
14.52
Forward P/E
10.13
PEG Ratio
5.35
Book Value
$29.61
Price to Book
1.10
P/S
3.94
EV/EBITDA
-
Dividend Yield
4.41%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
2.81%
Revenue (YoY)
8.30%
Earnings (YoY)
25.00%

Profitability & Returns

ROCE
-
ROE
8.99%
ROA
0.89%
Profit Margin
31.02%
Op Margin
47.23%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.90
EPS (TTM)
$2.55

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$1.65B
Total Assets
$8.76B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
4.66%
Chg in Prom Hold
0.02%
FII / Inst Holding
58.90%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$976.75M
Total Revenue (TTM)
$245.01M
EBITDA
-
Free Cash Flow
$73.48M
Operating Cash Flow
$145.21M
Shares Outstanding
29.75M
Gross Margin
0.00%
Payout Ratio
56.47%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SBSI Southside Bancshares, Inc. R2KR3KFINANCIAL 32.83 12.87 $976.75M 4.41% - 8.99% - 2.81%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Net Income 11.16M11.76M11.69M13.52M11.39M12.87M11.57M14.99M14.48M14.51M10.33M16.25M20.20M20.30M17.38M18.82M18.61M19.79M17.34M3.95M21.55M27.07M29.57M34.09M21.32M29.31M25.00M25.41M26.95M26.03M24.89M18.45M21.51M24.67M20.52M21.51M21.81M4.91M23.26M26.84M
Diluted EPS 0.420.440.440.500.420.480.420.510.490.490.330.460.570.580.500.560.550.580.510.120.650.820.891.040.650.900.770.790.840.830.810.600.710.810.680.710.720.160.780.90

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 44.40M39.10M39.13M34.70M41.19M20.83M44.00M49.35M54.31M74.14M74.55M82.15M113.40M105.02M86.69M88.49M69.22M
Diluted EPS 2.682.252.161.822.090.991.611.811.812.112.202.473.473.262.822.912.29

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.00B3.30B3.24B3.45B4.81B5.16B5.56B6.50B6.12B6.75B7.01B7.26B7.56B8.28B8.52B8.51B
Total Equity 161.09M202.25M214.46M258.93M257.76M259.52M425.24M444.06M518.27M754.14M731.29M804.58M875.30M912.17M746.00M773.29M811.94M847.62M
Cash & Equivalents 66.77M52.17M79.07M43.24M150.63M54.43M84.66M80.97M169.65M198.69M120.72M110.70M108.41M201.75M199.25M560.51M426.16M389.79M
Long Term Debt --433.79M321.04M429.41M559.66M660.36M562.51M158.34M158.49M158.65M158.83M257.51M158.79M158.94M154.15M152.32M299.96M
Total Liabilities --2.78B3.04B2.98B3.19B4.38B4.72B5.05B5.74B5.39B5.94B6.13B6.35B6.81B7.51B7.71B7.67B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 24.91M52.59M73.58M69.57M59.51M56.03M72.98M86.72M91.73M122.40M80.61M90.52M156.10M226.52M79.86M101.85M93.82M
Investing Cash Flow -296.50M14.72M-341.35M137.16M-367.80M-67.29M-384.41M-384.40M172.74M261.90M-566.83M-223.74M-194.01M-634.78M-327.07M-382.86M-34.22M
Financing Cash Flow 256.98M-40.40M231.93M-99.34M212.10M41.48M307.75M386.36M-235.43M-462.28M476.20M130.93M131.25M405.76M608.47M146.66M-95.97M
Capital Expenditure -6.81M-6.90M-3.92M-3.11M-5.66M-5.16M-3.77M-6.55M-9.63M-13.44M-15.88M-11.44M-8.37M-9.30M-6.90M-11.16M-20.34M
Free Cash Flow 18.09M45.68M69.67M66.46M53.84M50.87M69.22M80.18M82.10M108.96M64.72M79.08M147.74M217.22M72.96M90.69M73.48M
Share Buybacks 430.00K4.83M07.42M1.90M0010.20M047.19M2.18M30.99M34.15M33.71M44.80M1.50M23.18M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 22.0%18.2%15.1%13.5%15.9%4.9%9.9%9.5%7.2%10.1%9.3%9.4%12.4%14.1%11.2%10.9%8.2%
ROCE % -----------------

Shareholding Pattern

Insiders
4.66%
Institutions
58.90%
Public Float
61.78%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.33% 4.27M $136.17M
2 Dimensional Fund Advisors LP 4.72% 1.41M $44.85M
3 State Street Corporation 4.46% 1.33M $42.34M
4 Vanguard Capital Management LLC 4.19% 1.25M $39.79M
5 Geode Capital Management, LLC 2.48% 737.96K $23.53M
6 Vanguard Portfolio Management LLC 2.11% 630.38K $20.10M
7 Renaissance Technologies, LLC 1.41% 419.15K $13.36M
8 Charles Schwab Investment Management, Inc. 1.21% 360.38K $11.49M
9 Two Sigma Investments, LP 1.17% 348.46K $11.11M
10 Northern Trust Corporation 1.15% 342.76K $10.93M

Analyst View

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Latest News

Recent headlines for SBSI

Yahoo Finance hu, 06 Aug 2026

Southside Bancshares, Inc. Increases and Declares Cash Dividend

TYLER, Texas, August 06, 2026--The Board of Directors of Southside Bancshares, Inc., (NYSE:SBSI), parent company of Southside Bank, approved a 2.8% increase to the regular quarterly cash dividend of $0.01, to $0.37 per common share and decl…

Yahoo Finance Sat, 25 Jul 2026

Southside Bancshares (SBSI) Q2 2026 Earnings Call Transcript

Net income surged 15.4% despite margin compression and flat loan balances.

Yahoo Finance Fri, 24 Jul 2026

Southside Bancshares Inc (SBSI) Q2 2026 Earnings Call Highlights: Strong Net Income Growth Amid ...

Southside Bancshares Inc (SBSI) reports a 15.4% increase in net income and robust loan production, despite facing challenges in net interest margin and deposit levels.

Yahoo Finance Fri, 24 Jul 2026

Compared to Estimates, Southside Bancshares (SBSI) Q2 Earnings: A Look at Key Metrics

The headline numbers for Southside Bancshares (SBSI) give insight into how the company performed in the quarter ended June 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.…

Yahoo Finance Fri, 24 Jul 2026

Southside Bancshares tops earnings estimates despite revenue miss

Southside Bancshares (NYSE:SBSI) reported second-quarter results that exceeded earnings expectations but fell short of revenue forecasts, as stronger profitability offset softer-than-anticipated top-line performance. Shares edged 0.…

Yahoo Finance Fri, 10 Jul 2026

Southside Bancshares, Inc. Announces Second Quarter Earnings Call

TYLER, Texas, July 10, 2026--Southside Bancshares, Inc. ("Southside") (NYSE: SBSI), the holding company for Southside Bank, announced today it will release its second quarter financial results before the market opens on Friday, July 24, 202…

SBSI — Frequently Asked Questions

What is the current share price of Southside Bancshares, Inc. (SBSI)?

As of 2026-09-07 16:24 PDT, Southside Bancshares, Inc. (SBSI) trades at $32.83 on NYSE. Its 52-week range is $25.24 to $35.33.

What is the market capitalisation of SBSI?

Southside Bancshares, Inc. (SBSI) has a market capitalisation of $976.75M on NYSE.

What is the P/E ratio of SBSI?

SBSI trades at a trailing price-to-earnings (P/E) ratio of 12.87. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.10.

Does SBSI pay a dividend?

Southside Bancshares, Inc. (SBSI) currently offers a dividend yield of 4.41%.

What is the return on equity (ROE) of SBSI?

SBSI has a return on equity (ROE) of 8.99%.

Is SBSI a good stock to buy?

This page provides a data-driven analysis of Southside Bancshares, Inc. (SBSI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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