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SBSISouthside Bancshares, Inc.
$34.08$1.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
SBSI logo

Southside Bancshares, Inc.

SBSI
NASDAQ · Regional Banks
$34.08
At close - Nov 6, 4:00 PM EST - USD
Market Cap$1.01B
P/E10.3x
52W High$36.35
Volume184.02K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Securities-Heavy Bank Stabilizes; Thin Margins Limit Upside

Southside Bancshares' net interest income has stabilized near $57-60M per quarter, with 2026Q3 NII of $60.3M up 5.7% sequentially, and the efficiency ratio improved from 59.7% in 2025Q4 to 52.7% in 2026Q3, suggesting tighter cost discipline.

GrowthDecelerating
ProfitabilityStable
ValuationAttractive
TechnicalsNeutral
Explore valuation models
MARKET ACTION

SBSI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

9/12 Beats

EPS beat 9 of last 12 quarters

02

Valuation risk

-17% Peers

P/E is 17% below peer median

03

Market leadership

RS 69 · Avg

Average momentum (RS Rating: 69)

04

Trend Check

N/A

Trend data unavailable

Next CatalystEstimated earnings · Jan 29

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
SBSI+15.50%
S&P 500 (^GSPC)+7.63%
1-Year Return
SBSI+24.49%
S&P 500 (^GSPC)+9.69%
3-Year Return
SBSI+32.57%
S&P 500 (^GSPC)+67.63%
5-Year Return
SBSI-6.86%
S&P 500 (^GSPC)+55.85%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
10.3x
Forward P/EExpansion
9.8x
EV/EBITDA0th %ile
7.8x
FCF YieldCash Flow
15.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
10.3x
11.1x
0th· Low
EV/EBITDA
7.8x
12.2x
0th· Low
Price/FCF
6.6x
10.6x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$25.35-25.6%
Base (Fair)$43.85+28.7%
Bull$66.92+96.4%
$25.35 Bear$43.85 Base$66.92 Bull
Current Market Price: $34.08
Trades at a 22.3% discount to Base DCF ($43.85)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$237M-8.1% YoY
Net income FY25
$69M-21.8% YoY
Free cash flow FY25
$73M-19.0% YoY
Operating margin FY25
34.9%-6.8 pts YoY
ROIC (FY25)3.7%
Avg ROIC 5Y5.1%
ROE (TTM)11.6%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate9/12 (75%)
Revenue Beat Rate5/12 (42%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 29, 2026
$0.93+17.7%
vs $0.79
$76M+4.8%
vs $73M
Q3 2026
Jul 24, 2026
$0.90+4.7%
vs $0.86
$73M-3.0%
vs $75M
Q2 2026
Apr 30, 2026
$0.78+2.6%
vs $0.76
$72M+1.7%
vs $71M
Q1 2026
Jan 29, 2026
$0.70-12.5%
vs $0.80
$72M+0.4%
vs $72M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Seeking Alpha·Oct 29, 2026
Southside Bancshares, Inc. (SBSI) Q3 2026 Earnings Call Transcript

Southside Bancshares, Inc. ( SBSI ) Q3 2026 Earnings Call October 29, 2026 12:00 PM EDT Company Participants Lindsey Bailes - Senior VP & Investor Relations Officer Keith Donahoe - CEO, President & Director Julie Shamburger - Chief Financial Officer Suni Davis - Chief Treasury Officer Conference Call Participants Brett Rabatin - StoneX Financial, Inc., Research Division Wood Lay - Keefe, Bruyette, & Woods, Inc., Research Division Michael Rose - Raymond James & Associates, Inc., Research Division Matt Olney - Stephens Inc., Research Division Stephen Scouten - Piper Sandler & Co., Research Division Presentation Operator Hello, everyone. Thank you for joining us, and welcome to Southside Bancshares, Inc. Third Quarter 2026 Earnings Call.

Zacks Investment Research·Oct 29, 2026
Southside Bancshares (SBSI) Reports Q3 Earnings: What Key Metrics Have to Say

The headline numbers for Southside Bancshares (SBSI) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.

Zacks Investment Research·Oct 29, 2026
Southside Bancshares (SBSI) Surpasses Q3 Earnings and Revenue Estimates

Southside Bancshares (SBSI) came out with quarterly earnings of $0.93 per share, beating the Zacks Consensus Estimate of $0.79 per share. This compares to earnings of $0.8 per share a year ago.

Business Wire·Oct 29, 2026
Southside Bancshares, Inc. Announces Financial Results for the Third Quarter Ended September 30, 2026

TYLER, Texas--(BUSINESS WIRE)--Southside Bancshares, Inc. (“Southside” or the “Company”) (NYSE: SBSI) today reported its financial results for the quarter ended September 30, 2026. “We reported excellent financial results for the third quarter ended September 30, 2026, highlighted by earnings per diluted common share of $0.93, a return on average assets of 1.27% and a return on average tangible common equity of 16.31%,” stated Keith Donahoe, President and Chief Executive Officer of Southside. “.

Filtered for Southside Bancshares, Inc.More Headlines
04

Compare before deciding

Benchmark SBSI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Southside Bancshares, Inc. (SBSI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
SBSI logoSBSISouthside Bancshares, Inc.Current
$34.08$1.01B10.29-8.07%35.77%11.56%4.21%
FFIN logoFFINFirst Financial Bankshares, Inc.
$30.41$4.36B15.0216.23%42.9%15.14%2.43%
TCBI logoTCBITexas Capital Bancshares, Inc.
$103.34$4.49B12.4134.69%28.63%10.11%0.37%
BOKF logoBOKFBOK Financial Corporation
$129.48$7.87B11.629.59%29.56%11.21%1.87%
IBOC logoIBOCInternational Bancshares Corporation
$67.57$4.2B10.210.74%100.94%12.66%2.07%
SFNC logoSFNCSimmons First National Corporation
$23.34$3.39B13.00-86.6%27.54%7.61%3.66%

Compare SBSI vs Peers

Southside Bancshares, Inc. (SBSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for SBSI.

Scale Benchmark

vs ICE

Larger-name benchmark to compare SBSI against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, TCBI, BOKF, IBOC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

SBSI SEC Filings & Documents

Southside Bancshares, Inc. (SBSI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Oct 29, 2026·SEC

Material company update

Jul 24, 2026·SEC

Material company update

May 20, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 27, 2026·SEC

10-Q Quarterly Reports

6
FY 2026

Oct 29, 2026·SEC

FY 2026

Jul 24, 2026·SEC

FY 2026

Apr 30, 2026·SEC

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SBSI Frequently Asked Questions

Southside Bancshares, Inc. (SBSI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Southside Bancshares, Inc. growing?

Southside Bancshares, Inc. (SBSI) grew revenue by 2.9% over the trailing twelve months, compared with the twelve months before.

Is SBSI profitable?

Yes. Southside Bancshares, Inc. (SBSI) earned $99.1M in net income over the trailing twelve months (a 35.8% net margin).

Dividend & Returns
Does SBSI pay dividends?

Yes. Southside Bancshares, Inc. (SBSI) pays a dividend that yields 4.21% at the current price, a high yield.

What is SBSI's return on equity?

Southside Bancshares, Inc. (SBSI) had a return on equity (ROE) of 11.6% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is Southside Bancshares, Inc.'s net interest margin?

Southside Bancshares, Inc. (SBSI) has a net interest margin (NIM) of 2.6%. NIM has been under pressure due to interest rate environment.

What is Southside Bancshares, Inc.'s efficiency ratio?

Southside Bancshares, Inc. (SBSI) has an efficiency ratio of 63.9%. This is reasonable for a bank.

What if you invested $1,000 in SBSI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →