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 - $34.37
Previous CloseN/A
Volume15.04K
Average Volume (3M)147.79K
Market Cap
$969.64M
Enterprise Value$1.32B
Total Cash (Recent Filing)$1.65B
Total Debt (Recent Filing)$734.09M
Price to Earnings (P/E)13.2
Beta0.68
Next Earnings
Jul 29, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield4.59%
Share Statistics
EPS (TTM)0.78
Shares Outstanding29,743,586
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 Cap1.36
Enterprise Value/Revenue2.95
Enterprise Value/Gross Profit6.08
Enterprise Value/Ebitda10.03
Forecast
1Y Price Target
$35.00Price Target Upside4.85% Upside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.22
Revenue Forecast (FY)$293.02M
Bulls Say, Bears Say
Bulls Say
NIM Improvement PotentialThe February redemption of $93M subordinated notes and the bank's asset sensitivity create a durable tailwind to net interest margin. Lower structural funding costs, ongoing loan repricing and reinvestment into higher‑coupon MBS support sustained NIM improvement over the next several quarters.
Consistent Loan ProductionRepeatable loan origination (robust new production and sequential loan growth) underpins core net interest income and franchise relevance. Management's mid‑single‑digit loan growth target implies continued lending momentum that should support earnings and asset mix stability over 2–6 months.
Strong Liquidity And Capital BuffersA large committed liquidity pool and healthy reported capital ratios provide durable resilience to funding shocks and support the bank's ability to fund loan growth, buy securities, and manage maturities. This structural buffer reduces short‑term refinancing pressure and preserves strategic optionality.
Bears Say
Weak Cash GenerationA sharp drop in operating and free cash flow undermines the bank's internal funding capacity and heightens reliance on external funding and capital actions. Over several quarters, depressed cash generation can pressure dividend flexibility, limit reinvestment, and raise sensitivity to credit or market stress.
Greater Reliance On Wholesale FundingRising wholesale borrowings and flat-to-declining core deposits increase funding cost and rollover risk versus retail funding. Structurally higher wholesale usage can amplify NIM volatility and expose the bank to market funding conditions across the remainder of the year.
Balance-Sheet Comparability IssuesInconsistent 2025 balance‑sheet reporting and an apparent drop in reported debt reduce transparency around leverage and capital deployment. This complicates assessment of underlying ROE trends and the franchise's capacity to absorb loan losses or pursue M&A, impairing durable fundamental clarity.
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 $34.37 in the past 12 months.
What is Southside Bancshares’s market cap?
Southside Bancshares’s market cap is $969.64M.
When is Southside Bancshares’s upcoming earnings report date?
Southside Bancshares’s upcoming earnings report date is Jul 29, 2026 which is in 89 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 0.85.
How many shares outstanding does Southside Bancshares have?
Southside Bancshares has 29,743,586 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 0.093%.
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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5
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9
10
Analyst Consensus
Hold
Average Price Target:
$35.00 (4.85% Upside)
$35.00 (4.85% Upside)
Blogger Sentiment
Neutral
SBSI Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 49.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $9.9K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
2.92%
12-Months-Change
Fundamentals
Return on Equity
8.37%
Trailing 12-Months
Asset Growth
-0.10%
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
$35.00
▲(4.85% Upside)
Technical Analysis
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Univest Of Pennsylvania
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Amerant Bancorp
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Ownership Overview
4.94% Insiders
13.46% Mutual Funds
1.00% Other Institutional Investors
56.48% Public Companies and
Individual Investors