Stock AnalizSouthside Bancshares Inc. SBSI
Major Banks · data as of November 13, 2026
Southside Bancshares Inc. (SBSI) is a financial company listed in the US with a market value of about $1.0B. In the twelve months to September 30, 2026 it had revenue of $278M and net income of $99M, a net margin of 35.6%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (0/5).
Key numbers: a P/E of 10.5, a price to free cash flow of 6.7, 5-year revenue growth of 0% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 14% above the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- Profitable 5 years in a row
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $278M | $237M | $258M | $251M | $253M | $239M | $237M | $212M | $213M | $181M | $179M |
| Net income | $99M | $69M | $88M | $87M | $105M | $113M | $82M | $75M | $74M | $54M | $49M |
| Free cash flow | $155M | $73M | $91M | $73M | $217M | $148M | $79M | $65M | $109M | $82M | $80M |
| EPS (diluted) | $3.31 | $2.29 | $2.91 | $2.82 | $3.26 | $3.47 | $2.47 | $2.20 | $2.11 | $1.81 | $1.81 |
| Net margin | 35.6% | 29.2% | 34.3% | 34.6% | 41.5% | 47.5% | 34.7% | 35.1% | 34.8% | 29.9% | 27.6% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 3 analysts is $35.67, 3% above the current price; targets range from $35.00 to $36.00; the consensus rating is “Hold”; expected EPS is $3.52 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Southside Bancshares’s P/E ratio?
About 10.5, based on the last twelve months of diluted earnings per share (forward P/E about 9.9).
Is Southside Bancshares stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 14% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Southside Bancshares pay a dividend?
Yes. The dividend yield is about 4.24%, and it has paid dividends for 10 years in our data.
Is Southside Bancshares a good stock to buy?
We do not give buy or sell advice. Southside Bancshares scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.