Southside Bancshares (SU7) Price & Analysis
SU7 Stock Chart & Stats
- Day’s Range
- EUR 29.40 - EUR 30.00
- 52-Week Range
- EUR 23.40 - EUR 30.40
- Previous Close
- EUR 27.60
- Volume
- 0
- Average Volume (3M)
- 3
- Market Cap
- EUR 894.58M
- Enterprise Value
- EUR 2.75B
- Total Cash (Recent Filing)
- EUR 3.27B
- Total Debt (Recent Filing)
- EUR 1.90B
- Price to Earnings (P/E)
- 10.1
- Beta
- 0.36
- Next Earnings
- Jan 22, 2027
- EPS Estimate
- 0.79
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 4.07%
Bulls Say, Bears Say
Bulls Say
Improving Profitability
The sharp rebound in revenue and improved margin show stronger recent operating performance and earnings capacity. If sustained, this provides more internal funding for growth, supports capital formation, and strengthens the bank’s ability to absorb ordinary business volatility over the next several quarters.
Strong Credit Quality
Very low nonperforming assets and no quarterly charge-offs indicate that current credit performance remains sound. This supports more predictable earnings, limits pressure on capital from loan losses, and gives Southside a stronger foundation for expanding commercial and consumer lending.
Fee-income Diversification
Growing trust, brokerage, and wealth-management activity broadens revenue beyond interest-rate-sensitive spread income. Rising assets under management can support recurring fee generation, improve earnings resilience across rate cycles, and deepen customer relationships within Southside’s banking franchise.
Bears Say
Higher Leverage And Weaker Cash Conversion
The sharp increase in leverage alongside substantially weaker free cash flow reduces financial flexibility. Although cash flow remains positive, weaker conversion and greater reliance on balance-sheet funding could constrain capital allocation and make the company more sensitive to credit or funding stress.
Deposit And Funding Pressure
Deposit outflows and heavier use of wholesale funding raise the cost and complexity of maintaining the balance sheet. Higher repricing rates can compress future spreads, while dependence on more expensive funding may limit loan growth and pressure earnings if competition remains elevated.
Reduced Loan-growth Outlook
Lower guidance and continued commercial real-estate payoffs point to a less supportive near-term growth backdrop for the core loan book. Slower asset expansion can limit net interest income growth and make operating leverage harder to realize, even with solid loan production.
Southside Bancshares News
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Southside Bancshares Stock Smart Score
Company Description
Southside Bancshares
Southside Bancshares, Inc. functions as the holding company for its subsidiary, Southside Bank, which delivers a comprehensive suite of financial solutions to diverse clients, including individual consumers, commercial enterprises, governmental bodies, and non-profit organizations. Its offerings encompass a variety of deposit accounts, such as savings, money market, and both interest-bearing and non-interest-bearing checking options, alongside certificates of deposit (CDs). The institution's lending portfolio is diverse, featuring consumer loans for purposes like 1-4 family residential purchases, home equity, property improvements, and vehicle financing, in addition to other personal credit lines. Commercial lending extends to short-term working capital for managing inventory and receivables, medium-term financing for equipment acquisition or business expansion, commercial real estate ventures, and loans to municipal entities. Furthermore, construction financing is available for both single-to-four-unit residential properties and commercial real estate developments. Complementing its core banking activities, the company provides wealth management and trust services. These include investment advisory and management, estate administration, the handling of both revocable and testamentary trusts, and custodial services for a clientele comprising individuals, partnerships, and corporate entities. Additional offerings include safe deposit box rentals and brokerage services. Established in 1960, Southside Bancshares, Inc. maintains its corporate headquarters in Tyler, Texas.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Keith Donahoe
- Employees
- 781
- Website
- www.southside.com
- Address
- 1201 South Beckham Avenue, Tyler, TX, 75701, US
Southside Bancshares (SU7) Earnings & Revenues
SU7 Earnings Call
Earnings Call SentimentPositive
The call was generally constructive, supported by strong earnings, higher net interest margin, improved efficiency, solid liquidity and capital, favorable credit performance, growing C&I activity, and multiple market and product expansion initiatives. However, management lowered 2026 loan growth guidance, reported substantial unrealized securities and AOCI losses, faced deposit outflows and rising funding-cost pressure, and saw a smaller loan pipeline. The positive operating and credit trends significantly outweighed the stated challenges.
View all DE:SU7 earnings summariesSU7 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 0 | 6 |
| Technical Analysis | 4 | 0 | 6 |
| Moving Averages | 12 | 0 | 0 |