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Company Analysis

Southside Bancshares, Inc. SBSI

A comprehensive view of key metrics, scores, and financial health for Southside Bancshares, Inc.

Overview of Southside Bancshares, Inc.

SBSI NYQ
Financial Services Banks - Regional Small Cap
Southside Bancshares, Inc. (SBSI), is a Small Cap company, in the Banks - Regional industry, last closed at $29.92, about 3.5% overvalued vs fair value, +2.0% 1Y return, placing in the top 10% of its sector.
$29.92
0.27%
As of March 13, 2026
Previous close • Vol 90d: 23.0%
52-Week Range
Market Cap
$908.70M
Enterprise Value
$1.34B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.southside.com
HQ Tyler, TX
Fiscal year Dec 31

Next Events

Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$29
$54
Current: $29.92 -4% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$414.3M
15.2%%
Interest Expense
$182.0M
Net Interest Income
$216.1M
0.5%%
Total Revenue
$419.0M
62.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.9%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$66.7M
75.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Southside Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SBSI's balance between Growth (35.8%), Profitability (28.4%), and Safety (35.8%). Growth 36% Safety 36% Profitability 28%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

68th percentile vs peers
68
Key Signals
Asset Growth YoY 90.0% 99p Rev Growth YoY 62.5% 57p Revenue CAGR 3Y 18.3% 49p
Strengths
  • Asset Growth Yoy in top 20% of peers (90.0%, 99th percentile)
  • Superior capital returns - 2 return metrics above peer median
  • Growth above peer median with strong metric coverage (72%)
Risks

No significant risks identified for this axis.

Profitability

53th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

67th percentile vs peers
68
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Southside Bancshares, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$28.86
- - -
-3.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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