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SBSISouthside Bancshares, Inc.
$30.71$914M
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
$30.71
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$914M
P/E13.4x
52W High$36.20
Volume162.51K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Stable NII Growth Offsets Fee Volatility Risks

Southside Bancshares demonstrates a stabilizing earnings profile, with net interest income growing 5.7% YoY to $57.3M in Q2 2026 and an efficiency ratio improving to 32.7%, indicating strong cost control. However, the bank's bond-heavy balance sheet ($7.7B in ...

GrowthMixed
ProfitabilityStable
ValuationAttractive
TechnicalsWeak
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

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 45 · Lag

Laggard (Underperforming 55% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 24

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
SBSI+4.43%
S&P 500 (^GSPC)+12.39%
1-Year Return
SBSI+9.95%
S&P 500 (^GSPC)+15.77%
3-Year Return
SBSI+21.45%
S&P 500 (^GSPC)+72.99%
5-Year Return
SBSI+2.41%
S&P 500 (^GSPC)+67.20%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
13.4x
Forward P/EExpansion
9.3x
EV/EBITDA80th %ile
15.3x
FCF YieldCash Flow
8.0%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
13.4x
11.1x
100th· High
EV/EBITDA
15.3x
12.2x
80th· High
Price/FCF
12.4x
10.6x
60th· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$19.06-37.9%
Base (Fair)$32.80-4.1%
Bull$49.40+60.9%
$19.06 Bear$32.80 Base$49.40 Bull
Current Market Price: $30.71
Trades at a 6.4% discount to Base DCF ($32.80)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$237M-8.1% YoY
Net income
$69M-21.8% YoY
Free cash flow
$73M-19.0% YoY
Operating margin
19.7%-3.8 pts YoY
ROIC (TTM)3.7%
Avg ROIC 5Y-
ROE (TTM)8.3%
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 Rate8/12 (67%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Q4 2025
Oct 24, 2025
$0.80+11.1%
vs $0.72
$72M+0.9%
vs $72M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·Aug 6, 2026
Southside Bancshares, Inc. Increases and Declares Cash Dividend

TYLER, Texas--(BUSINESS WIRE)--The Board of Directors of Southside Bancshares, Inc., (NYSE:SBSI), parent company of Southside Bank, approved a 2.8% increase to the regular quarterly cash dividend of $0.01, to $0.37 per common share and declared a regular quarterly cash dividend of $0.37 per common share. The cash dividend of $0.37 is scheduled for payment on September 3, 2026, to common stock shareholders of record on August 20, 2026. “As a result of our strong capital position created through.

Defense World·Aug 4, 2026
Arrowstreet Capital Limited Partnership Sells 18,834 Shares of Southside Bancshares, Inc. $SBSI

Arrowstreet Capital Limited Partnership decreased its position in Southside Bancshares, Inc. (NYSE: SBSI) by 14.1% during the first quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor owned 115,132 shares of the company's stock after selling 18,834 shares during the period. Arrowstreet

Defense World·Jul 30, 2026
Fifth Third Bancorp Purchases 16,490 Shares of Southside Bancshares, Inc. $SBSI

Fifth Third Bancorp boosted its position in Southside Bancshares, Inc. (NYSE: SBSI) by 35,847.8% during the undefined quarter, according to its most recent Form 13F filing with the SEC. The fund owned 16,536 shares of the company's stock after purchasing an additional 16,490 shares during the period. Fifth Third Bancorp owned about 0.06%

Defense World·Jul 26, 2026
Southside Bancshares Q2 Earnings Call Highlights

Southside Bancshares (NYSE: SBSI) reported second-quarter 2026 net income of $26.8 million, up $3.6 million, or 15.4%, from the prior quarter, as higher non-interest income and lower expenses more than offset pressure on net interest income. Diluted earnings per share rose to $0.90 from the preceding quarter. President and CEO Keith Donahoe said the company generated

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
$30.71$913.68M13.41-8.07%16.52%8.34%4.67%
FFIN logoFFINFirst Financial Bankshares, Inc.
$31.92$4.57B18.0316.23%31.14%14.2%—
TCBI logoTCBITexas Capital Bancshares, Inc.
$94.17$4.09B13.8534.69%18.58%10.04%—
BOKF logoBOKFBOK Financial Corporation
$130.58$7.93B14.229.59%18.3%10.31%—
IBOC logoIBOCInternational Bancshares Corporation
$69.11$4.3B10.440.74%38.81%12.67%—
SFNC logoSFNCSimmons First National Corporation
$22.89$3.32B-7.76-86.6%-63.53%-10.51%—

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

Jul 24, 2026·SEC

Material company update

May 20, 2026·SEC

Material company update

Feb 20, 2026·SEC

10-K Annual Reports

1
FY 2026

Feb 27, 2026·SEC

10-Q Quarterly Reports

5
FY 2026

Jul 24, 2026·SEC

FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 28, 2025·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) saw revenue decline by 8.1% over the past year.

Is SBSI profitable?

Yes, Southside Bancshares, Inc. (SBSI) is profitable, generating $76.0M in net income for fiscal year 2025 (16.5% net margin).

Dividend & Returns
Does SBSI pay dividends?

Yes, Southside Bancshares, Inc. (SBSI) pays a dividend with a yield of 4.67%. This makes it attractive for income-focused investors.

What is SBSI's return on equity?

Southside Bancshares, Inc. (SBSI) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.

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 36.1%. This is excellent, indicating strong cost control.

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

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

See returns →