Southside Bancshares (SBSI)
NYSE:SBSI
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SBSI Stock Chart & Stats
$33.38
-$0.10(-0.33%)
At close: 4:00 PM EST
$33.38
-$0.10(-0.33%)
Day’s Range― - ―
52-Week Range$26.32 - $34.53
Previous CloseN/A
Volume15.04K
Average Volume (3M)147.79K
Market Cap
$974.96M
Enterprise Value$1.80B
Total Cash (Recent Filing)$73.00M
Total Debt (Recent Filing)$893.76M
Price to Earnings (P/E)13.7
Beta0.66
Next Earnings
Jul 29, 2026EPS Estimate
0.86Next Dividend Ex-DateN/A
Dividend Yield4.59%
Share Statistics
EPS (TTM)2.36
Shares Outstanding29,751,710
10 Day Avg. Volume155,858
30 Day Avg. Volume147,793
Financial Highlights & Ratios
PEG Ratio-0.62
Price to Book (P/B)1.08
Price to Sales (P/S)2.19
P/FCF Ratio12.46
Enterprise Value/Market Cap1.84
Enterprise Value/Revenue3.99
Enterprise Value/Gross Profit8.11
Enterprise Value/Ebitda13.70
Forecast
1Y Price Target
$35.50Price Target Upside6.35% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.4
Revenue Forecast (FY)$293.71M
Bulls Say, Bears Say
Bulls Say
Sustained Profitability And Cash GenerationA sustained net margin near 16% and positive TTM free cash flow (~$52M) point to durable core profitability and internal funding capacity. That cash generation supports dividends, organic growth and loss-absorbing capacity, improving resilience through economic cycles.
Strong Liquidity And Capital HeadroomLarge committed liquidity lines (~$2.68B) and well-above-threshold capital ratios provide durable funding flexibility and cushioning against deposit volatility. This structural strength supports lending growth, opportunistic balance-sheet management and regulatory compliance.
Asset Sensitivity And Recurring Loan ProductionManagement cites asset sensitivity, sizable repricing buckets and mid-single-digit loan growth guidance. Combined with meaningful new loan production and targeted retail/wealth expansion, this underpins a repeatable earnings driver as rates and repricing dynamics normalize.
Bears Say
Slowing Revenue And Margin CompressionTop-line deceleration and margin compression reduce long-term earnings power and slacken internal funding capacity. If revenue growth remains negative, sustaining dividend and funding expense reductions will be harder, constraining strategic investments and M&A optionality.
Rising Reliance On Wholesale FundingA structural shift toward wholesale borrowings and brokered deposits increases funding-cost volatility and counterparty concentration risk. Persistent deposit outflows force higher-cost funding, pressuring NIM and forcing tighter liquidity oversight over multiple quarters.
Authorized Flexible Preferred Stock (possible Dilution)Authorization of up to 8M preferred shares provides capital flexibility but creates future dilution and shifts in capital structure if issued. Preferred issuance could prioritize fixed-charge obligations over common shareholders, affecting long-term ROE and dividend capacity.
Southside Bancshares News
SBSI FAQ
What was Southside Bancshares’s price range in the past 12 months?
Southside Bancshares lowest stock price was $26.32 and its highest was $34.53 in the past 12 months.
What is Southside Bancshares’s market cap?
Southside Bancshares’s market cap is $974.96M.
When is Southside Bancshares’s upcoming earnings report date?
Southside Bancshares’s upcoming earnings report date is Jul 29, 2026 which is in 56 days.
How were Southside Bancshares’s earnings last quarter?
Southside Bancshares released its earnings results on Apr 30, 2026. The company reported $0.783 earnings per share for the quarter, beating the consensus estimate of $0.762 by $0.021.
Is Southside Bancshares overvalued?
According to Wall Street analysts Southside Bancshares’s price is currently Undervalued.
Does Southside Bancshares pay dividends?
Southside Bancshares pays a Quarterly dividend of $0.36 which represents an annual dividend yield of 4.59%. See more information on Southside Bancshares dividends here
What is Southside Bancshares’s EPS estimate?
Southside Bancshares’s EPS estimate is 0.86.
How many shares outstanding does Southside Bancshares have?
Southside Bancshares has 29,751,710 shares outstanding.
What happened to Southside Bancshares’s price movement after its last earnings report?
Southside Bancshares reported an EPS of $0.783 in its last earnings report, beating expectations of $0.762. Following the earnings report the stock price went up 1.319%.
Which hedge fund is a major shareholder of Southside Bancshares?
Currently, no hedge funds are holding shares in SBSI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Southside Bancshares Stock Smart Score
Neutral
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9
10
Analyst Consensus
Hold
Average Price Target:
$35.50 (6.35% Upside)
$35.50 (6.35% Upside)
Blogger Sentiment
Neutral
SBSI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 123.1K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.92%
12-Months-Change
Fundamentals
Return on Equity
8.49%
Trailing 12-Months
Asset Growth
5.50%
Trailing 12-Months
Company Description
Southside Bancshares
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of 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's loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans, 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 offers wealth management and trust services consisting of investment management, administration, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
SBSI Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlights a solid quarter: double-digit linked-quarter net income and EPS growth, improved NIM, meaningful loan production and lower NPAs, plus strategic MBS purchases and targeted retail expansion and talent hires. Offsetting items include higher noninterest expense (and a weaker efficiency ratio), a material increase in unrealized AFS losses, some deposit outflows and greater reliance on wholesale funding, a reduced pipeline versus a mid-quarter peak, and a small set of multifamily downgrades that management expects to resolve. Management’s tone is optimistic and forward-looking, with plans to control expenses, benefit from lower funding costs after the subordinated debt redemption, and pursue loan and deposit growth while remaining opportunistic on M&A.View all SBSI earnings summariesSBSI Stock 12 Month Forecast
Average Price Target
$35.50
▲(6.35% Upside)
Technical Analysis
Capitol Federal Financial
―
Northeast Bancorp
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Univest Of Pennsylvania
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Esquire Financial Holdings
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Amerant Bancorp
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Ownership Overview
5.00% Insiders
13.71% Mutual Funds
4.51% Other Institutional Investors
52.26% Public Companies and
Individual Investors