Southside Bancshares Inc.

SBSI | NYSE

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$31.52

+$0.07 (+0.22%)

At close: Sep 21, 2026, 4:00 PM ET

$31.52

$0 (0.00%)

After-hours: Sep 21, 2026, 4:01 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $937.77M

Enterprise Value $608.32M

Beta 0.57

Average Volume 120.76K

Shares Outstanding (Diluted) 29.88M

Shares Change YoY -1.42%

Institutional Ownership 57.34%

Exchange NYSE

ISIN US84470P1093

Price Performance

Price Change 1M -1.6%

Price Change 3M -8.6%

Price Change 6M 2.4%

Price Change YTD 3.5%

Price Change 1Y 7.0%

Price Change 3Y 11.1%

Price Change 5Y -15.2%

1M CAGR (ann.) -1.7%

1Y CAGR (ann.) 6.8%

5Y CAGR (ann.) 1.1%

All-Time CAGR 7.0%

Valuation

PE Ratio 12.41

Forward PE 9.70

PEG Ratio -1.21

Forward PEG -9.27

PS Ratio 2.11

Forward PS 3.10

PB Ratio 1.06

P/FCF Ratio 17.29

P/Adj. FCF Ratio 17.76

P/OCF Ratio 6.46

EV/Sales 1.37

EV/EBIT 6.69

EV/EBITDA 4.44

EV/FCF 11.21

Earnings Yield 8.1%

FCF Yield 5.8%

Adj. FCF Yield 5.6%

Financial Health

Net Cash $343.59M

Total Debt $1.64B

Cash & Short-Term Investments $1.97B

Total Assets $8.76B

Current Ratio 0.27

Quick Ratio 0.27

Debt / Equity Ratio 1.86

Debt / EBITDA 11.94

Debt / FCF 30.19

OCF / Debt 0.04

Interest Coverage 0.50

Altman Z-Score -0.55

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 49.6%

Operating Profit Margin 20.5%

EBITDA Margin 30.0%

Net Profit Margin 16.6%

FCF Margin 12.2%

Adj. FCF Margin 11.9%

SBC / Revenue 0.3%

SBC Impact (per share) -2.7%

Returns

Return on Assets 0.9%

Return on Equity 8.9%

Return on Invested Capital 2.9%

Return on Capital Employed 7.7%

Return on Tangible Assets 0.9%

Historical Growth (CAGR)

Revenue CAGR 3Y 7.9%

Revenue CAGR 5Y 10.9%

Revenue CAGR 10Y 8.4%

EPS CAGR 3Y -8.8%

EPS CAGR 5Y -5.7%

EPS CAGR 10Y 3.6%

FCF CAGR 3Y -28.6%

FCF CAGR 5Y -17.9%

FCF CAGR 10Y -3.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 8

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 22, 2026

EPS Estimate (next Q) $0.77

EPS Growth Est (next Q) -3.8%

Revenue Est (next Q) $72.7M

Revenue Growth Est (next Q) 0.5%

Fair Value Estimates

Graham Number $41.16

Graham Upside 30.6%

Lynch Fair Value $12.70

Lynch Upside -59.7%

Price Target $35

Price Target Upside 11.0%

Cash Flow

Operating Cash Flow $63.93M

Free Cash Flow $54.25M

Adj. Free Cash Flow $52.8M

FCF Per Share $4.26

OCF Per Share $4.88

OCF/S Ratio 31.7%

Income Statement

Revenue $443.59M

Gross Profit $227.18M

Operating Income $90.87M

EBITDA $137.14M

Net Income $76M

EPS (Diluted) $2.54

Revenue / Employee $567.98K

Profit / Employee $97.31K

Employees 781

Dividends

Annual Dividend $1.45

Dividend Yield 4.60%

Payout Ratio 57.1%

FCF Payout Ratio 79.2%

Adj. FCF Payout Ratio 81.4%

Dividend Growth (YoY) 0.7%

Pay Frequency Quarterly

Ex-Dividend Date Aug 19, 2026