Southside Bancshares, Inc.

Valuation Analysis

About the Company

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 est

Southside Bancshares, Inc. Stock at a Glance

Southside Bancshares, Inc. (SBSI) is currently trading at $34.43 with a market capitalization of $1B. The trailing P/E ratio stands at 14.59x, with a forward P/E of 9.91x. The 52-week range spans from $26.32 to $34.53; the current price is 0.3% below the yearly high. Year-over-year revenue growth stands at +8.8%. The net profit margin stands at 29.63%.

💰 Dividend

Southside Bancshares, Inc. pays an annual dividend of $1.44 per share, representing a yield of 4.18%. The payout ratio stands at 61.02%.

📊 Analyst Rating

3 analysts rate Southside Bancshares, Inc. (SBSI) on consensus: None. The average price target is $37.00, implying +7.46% from the current price. Analyst price targets range from $36.00 to $38.00.

Southside Bancshares, Inc.: The Investment Case in Detail

Southside Bancshares, Inc. (SBSI) operates in the Financial Services — specifically Banks - Regional — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

Valuation in Context

At a PEG of 5.35, investors are paying more than three times the growth rate for each unit of earnings — that pricing assumes growth not only continues but accelerates from here.

What to Watch Next

• The forward P/E of 9.91x is meaningfully below the trailing 14.59x — analysts expect earnings to step up; the next earnings release is the test.
• The share is trading at 98.8% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.
• The dividend yield near 4.18% combined with a payout ratio of 61.02% leaves room for further hikes — a track record of consecutive raises is a strong income signal.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to relatively defensive market behavior.

Trading Data

💵 Dividend Info

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