Is Southside Bancshares, Inc. (SBSI) Overvalued?
We dive into why Southside Bancshares, Inc. (SBSI) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Southside Bancshares, Inc.’s (SBSI) Stock Is Down 6.20%
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What You Need to Know About Southside Bancshares, Inc.'s Q3 Earnings
Southside Bancshares, Inc.'s fiscal Q3 earnings report was released on Friday, July 24. Let's dive in to see if (SBSI) missed or beat analyst's expectations.Jenna Brashear
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What You Need to Know About Southside Bancshares, Inc.'s Q2 Earnings
Southside Bancshares, Inc.'s fiscal Q2 earnings report was released on Thursday, April 30. Let's dive in to see if (SBSI) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | SBSI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $955.9 | $745.4 | 44% |
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| Shares Out (Mil) | 29.9 | 15.3 | 36% |
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| Institutional Ownership | 91.5% | 83.2% | 60% |
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| Float (Mil) | 28.2 | 21.8 | 35% |
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| Beta | na | 0.42 | na |
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| Avg Daily Volume (000s) | 115 | 45 | 37% |
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| Price Change (52-week) |
6.1% | 94.6% | 49% |
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| Growth | SBSI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 1.5% | 7.7% | 22% |
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| Net Income (5yr) | (3.4%) | 11.1% | 36% |
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| EPS (5yr) | (1.5%) | 10.1% | 29 |
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| Dividends (5yr) | 2.9% | 3.6% | 85% |
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| Cash Flow (5yr) | (76.8%) | (17.1%) | 2% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.790 | $3.282 | $3.240 | |
| Month Ago EPS | $0.866 | $3.410 | $3.482 | |
| # Rev Up | 0 | 0 | 3 | |
| # Rev Down | 1 | 1 | 0 | |
| Three Months Ago EPS | $0.868 | $3.407 | $3.475 | |
| Year/Year Chg | (12.2%) | 43.3% | na | |
| Financials | SBSI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $245 | $196 | 34% |
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| Net Income (TTM) (Mil) | $76 | $55 | 58% |
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| EPS (TTM) | $2.544 | $2.600 | 75% |
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| Operating Cash Flow (TTM) (Mil) | $145 | $35 | 55% |
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| Net Cash Flow (TTM) (Mil) | $7 | $2 | 54% |
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| Long-Term Debt (Q1) (Mil) | $223 | $100 | 51% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | SBSI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.08 | 1.25 | 24% |
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| P/E | 12.6 | 12.4 | 28% |
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| Dividend Yield | 4.5% | 2.2% | 92% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | SBSI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 31.0% | 29.1% | 89% |
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| ROA | 0.9% | 1.1% | 45% |
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| ROE | 9.0% | 11.3% | 54% |
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| Liabilities to Assets | 89.9% | 89.7% | 85% |
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| F-Score | 4 | 4 | 33% |
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Southside Bancshares, Inc. did not pass any screens on 8/21/2026.
