SBSI
Southside Bancshares, Inc.
Banks - Regional
Market Cap$993M
5Y Perf.+18.3%
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Stock Comparison
SBSI vs BOKF
Revenue, margins, valuation, and 5-year total return — side by side.
BOKF
BOK Financial Corporation
Banks - Regional
Market Cap$10.44B
5Y Perf.+166.1%
SBSI vs BOKF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | SBSI | BOKF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $993M | $10.44B |
| Revenue (TTM) | $419M | $3.36B |
| Net Income (TTM) | $71M | $537M |
| Gross Margin | 55.8% | 57.1% |
| Operating Margin | 19.7% | 19.8% |
| Forward P/E | 9.9x | 13.3x |
| Total Debt | $734M | $4.45B |
| Cash & Equiv. | $384M | $1.43B |
SBSI vs BOKF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
SBSI
BOKF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Southside Bancshare… (SBSI) | 100 | 118.3 | +18.3% |
| BOK Financial Corpo… (BOKF) | 100 | 266.1 | +166.1% |
Price return only. Dividends and distributions are not included.
Quick Verdict: SBSI vs BOKF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SBSI leads in 5 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. BOK Financial Corporation is the stronger pick specifically for growth and revenue expansion and recent price momentum and sentiment. As sector peers, any of these can serve as alternatives in the same allocation.
SBSI
Southside Bancshares, Inc.
The Banking Pick
SBSI carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 0 yrs, beta 0.87, yield 4.3%
- Lower volatility, beta 0.87, Low D/E 86.6%, current ratio 0.23x
- Beta 0.87, yield 4.3%, current ratio 0.23x
Best for: income & stability and sleep-well-at-night
BOKF
BOK Financial Corporation
The Banking Pick
BOKF is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 10.4%, EPS growth 1.5%
- 172.7% 10Y total return vs SBSI's 62.6%
- 10.4% NII/revenue growth vs SBSI's -8.1%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | BOKF | 10.4% NII/revenue growth vs SBSI's -8.1% |
| Value | SBSI | Lower P/E (9.9x vs 13.3x) |
| Quality / Margins | SBSI | Efficiency ratio 0.4% vs BOKF's 0.4% (lower = leaner) |
| Stability / Safety | SBSI | Beta 0.87 vs BOKF's 1.03 |
| Dividends | SBSI | 4.3% yield, vs BOKF's 1.7% |
| Momentum (1Y) | BOKF | +47.4% vs SBSI's +22.8% |
| Efficiency (ROA) | SBSI | Efficiency ratio 0.4% vs BOKF's 0.4% |
SBSI vs BOKF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2024
SBSI vs BOKF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLBOKFLAGGINGSBSI
SBSISouthside Bancshares,…
1leads
BOKFBOK Financial Corpora…
3leads
6 Total Categories
CATEGORYLEADERvs SBSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
BOKF3/5
Valuation MetricsMultiples, price ratios, and targets
SBSI5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
BOKF6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
BOKF6/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
BOKF leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
BOKF is the larger business by revenue, generating $3.4B annually — 8.0x SBSI's $419M. Profitability is closely matched — net margins range from 16.5% (SBSI) to 15.6% (BOKF).
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| RevenueTrailing 12 months | $419M | $3.4B |
| EBITDAEarnings before interest/tax | $131M | $797M |
| Net IncomeAfter-tax profit | $71M | $537M |
| Free Cash FlowCash after capex | $52M | $1.5B |
| Gross MarginGross profit ÷ Revenue | +55.8% | +57.1% |
| Operating MarginEBIT ÷ Revenue | +19.7% | +19.8% |
| Net MarginNet income ÷ Revenue | +16.5% | +15.6% |
| FCF MarginFCF ÷ Revenue | +17.5% | +42.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +9.9% | +1.8% |
BOKF leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
SBSI leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 14.6x trailing earnings, SBSI trades at a 12% valuation discount to BOKF's 16.7x P/E. On an enterprise value basis, SBSI's 16.2x EV/EBITDA is more attractive than BOKF's 17.4x.
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| Market CapShares × price | $993M | $10.4B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $13.5B |
| Trailing P/EPrice ÷ TTM EPS | 14.57x | 16.65x |
| Forward P/EPrice ÷ next-FY EPS est. | 9.92x | 13.25x |
| PEG RatioP/E ÷ EPS growth rate | — | 5.60x |
| EV / EBITDAEnterprise value multiple | 16.21x | 17.44x |
| Price / SalesMarket cap ÷ Revenue | 2.37x | 3.11x |
| Price / BookPrice ÷ Book value/share | 1.19x | 1.56x |
| Price / FCFMarket cap ÷ FCF | 13.51x | 7.30x |
SBSI leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
BOKF leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
BOKF delivers a 8.9% return on equity — every $100 of shareholder capital generates $9 in annual profit, vs $8 for SBSI. BOKF carries lower financial leverage with a 0.80x debt-to-equity ratio, signaling a more conservative balance sheet compared to SBSI's 0.87x. On the Piotroski fundamental quality scale (0–9), SBSI scores 7/9 vs BOKF's 6/9, reflecting strong financial health.
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +8.5% | +8.9% |
| ROA (TTM)Return on assets | +0.8% | +1.1% |
| ROICReturn on invested capital | +3.7% | +4.1% |
| ROCEReturn on capital employed | +5.5% | +5.5% |
| Piotroski ScoreFundamental quality 0–9 | 7 | 6 |
| Debt / EquityFinancial leverage | 0.87x | 0.80x |
| Net DebtTotal debt minus cash | $350M | $3.0B |
| Cash & Equiv.Liquid assets | $384M | $1.4B |
| Total DebtShort + long-term debt | $734M | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 0.47x | 0.55x |
BOKF leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
BOKF leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BOKF five years ago would be worth $16,223 today (with dividends reinvested), compared to $9,608 for SBSI. Over the past 12 months, BOKF leads with a +47.4% total return vs SBSI's +22.8%. The 3-year compound annual growth rate (CAGR) favors BOKF at 22.1% vs SBSI's 11.1% — a key indicator of consistent wealth creation.
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +10.8% | +14.7% |
| 1-Year ReturnPast 12 months | +22.8% | +47.4% |
| 3-Year ReturnCumulative with dividends | +37.1% | +82.1% |
| 5-Year ReturnCumulative with dividends | -3.9% | +62.2% |
| 10-Year ReturnCumulative with dividends | +62.6% | +172.7% |
| CAGR (3Y)Annualised 3-year return | +11.1% | +22.1% |
BOKF leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
Evenly matched — SBSI and BOKF each lead in 1 of 2 comparable metrics.
Risk & Volatility
SBSI is the less volatile stock with a 0.87 beta — it tends to amplify market swings less than BOKF's 1.03 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.87x | 1.03x |
| 52-Week HighHighest price in past year | $34.51 | $139.73 |
| 52-Week LowLowest price in past year | $26.32 | $91.35 |
| % of 52W HighCurrent price vs 52-week peak | +96.7% | +97.0% |
| RSI (14)Momentum oscillator 0–100 | 54.7 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 101K | 318K |
Evenly matched — SBSI and BOKF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — SBSI and BOKF each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates SBSI as "Hold" and BOKF as "Hold". Consensus price targets imply 4.9% upside for SBSI (target: $35) vs -2.9% for BOKF (target: $132). For income investors, SBSI offers the higher dividend yield at 4.30% vs BOKF's 1.65%.
| Metric | SBSISouthside Bancsha… | BOKFBOK Financial Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $35.00 | $131.57 |
| # AnalystsCovering analysts | 8 | 21 |
| Dividend YieldAnnual dividend ÷ price | +4.3% | +1.7% |
| Dividend StreakConsecutive years of raises | 0 | 11 |
| Dividend / ShareAnnual DPS | $1.43 | $2.24 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.3% | +0.9% |
Evenly matched — SBSI and BOKF each lead in 1 of 2 comparable metrics.
Key Takeaway
BOKF leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). SBSI leads in 1 (Valuation Metrics). 2 tied.
Best OverallBOK Financial Corporation (BOKF)Leads 3 of 6 categories
Loading custom metrics...
SBSI vs BOKF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is SBSI or BOKF a better buy right now?
For growth investors, BOK Financial Corporation (BOKF) is the stronger pick with 10.
4% revenue growth year-over-year, versus -8. 1% for Southside Bancshares, Inc. (SBSI). Southside Bancshares, Inc. (SBSI) offers the better valuation at 14. 6x trailing P/E (9. 9x forward), making it the more compelling value choice. Analysts rate Southside Bancshares, Inc. (SBSI) a "Hold" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — SBSI or BOKF?
On trailing P/E, Southside Bancshares, Inc.
(SBSI) is the cheapest at 14. 6x versus BOK Financial Corporation at 16. 7x. On forward P/E, Southside Bancshares, Inc. is actually cheaper at 9. 9x.
03Which is the better long-term investment — SBSI or BOKF?
Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +62.
2%, compared to -3. 9% for Southside Bancshares, Inc. (SBSI). Over 10 years, the gap is even starker: BOKF returned +172. 7% versus SBSI's +62. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — SBSI or BOKF?
By beta (market sensitivity over 5 years), Southside Bancshares, Inc.
(SBSI) is the lower-risk stock at 0. 87β versus BOK Financial Corporation's 1. 03β — meaning BOKF is approximately 19% more volatile than SBSI relative to the S&P 500. On balance sheet safety, BOK Financial Corporation (BOKF) carries a lower debt/equity ratio of 80% versus 87% for Southside Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — SBSI or BOKF?
By revenue growth (latest reported year), BOK Financial Corporation (BOKF) is pulling ahead at 10.
4% versus -8. 1% for Southside Bancshares, Inc. (SBSI). On earnings-per-share growth, the picture is similar: BOK Financial Corporation grew EPS 1. 5% year-over-year, compared to -21. 6% for Southside Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — SBSI or BOKF?
Southside Bancshares, Inc.
(SBSI) is the more profitable company, earning 16. 5% net margin versus 15. 6% for BOK Financial Corporation — meaning it keeps 16. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: BOKF leads at 19. 8% versus 19. 7% for SBSI. At the gross margin level — before operating expenses — BOKF leads at 57. 1%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is SBSI or BOKF more undervalued right now?
On forward earnings alone, Southside Bancshares, Inc.
(SBSI) trades at 9. 9x forward P/E versus 13. 3x for BOK Financial Corporation — 3. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for SBSI: 4. 9% to $35. 00.
08Which pays a better dividend — SBSI or BOKF?
All stocks in this comparison pay dividends.
Southside Bancshares, Inc. (SBSI) offers the highest yield at 4. 3%, versus 1. 7% for BOK Financial Corporation (BOKF).
09Is SBSI or BOKF better for a retirement portfolio?
For long-horizon retirement investors, Southside Bancshares, Inc.
(SBSI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 87), 4. 3% yield). Both have compounded well over 10 years (SBSI: +62. 6%, BOKF: +172. 7%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between SBSI and BOKF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(SBSI: -8.1% · BOKF: 10.4%)Net Margin>
%
(SBSI: 16.5% · BOKF: 15.6%)P/E Ratio<
x
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