Southside Bancshares (SBSI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Southside Bancshares

NYSE•Financial Services•Banks - Regional

$32.17+0.10(<0.01%)Pre-market

Market Cap

$936.24M

P/E

12.3x

P/S

2.2x

P/B

1.1x

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 estate. It also provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

How this company scores

WeakMetricSide Score: 59/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (23/25); weakest: Growth (7/25).

Profitability15/25

Growth7/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.3x5y range 7.7x – 13.3x

Currently near its 20-quarter median.

P/S · 2.2x5y range 1.9x – 5.1x

Currently near its 20-quarter median.

P/B · 1.1x5y range 1.0x – 1.7x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Margin Pressure

Watch

Operating margins declined 12.8% — watch for continued compression, which may signal competitive or cost pressure.

Leverage Risk

Watch

Debt-to-equity has risen 24.8% recently — increasing financial risk even if the current ratio is manageable.

Price & Volume

Market Cap $936.24M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $430.59M
Q. Revenue: $117.92M
TTM EBITDA: $91.32M
TTM Op. Income: $90.75M
Q. Op. Income: $32.58M
TTM Net Income: $76.00M
Q. Net Income: $26.84M
EPS: $0.9
Shares Out.: $29.77M

$430.59M in TTM revenue declined 4.1% YoY, reaching $117.92M last quarter. TTM EBITDA of $91.32M and TTM operating income of $90.75M show growth is flowing through to the bottom line. TTM net income of $76.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 60.5%
EBITDA Margin: 27.7%
Op. Margin: 27.6%
Net Margin: 22.8%

Op. margin of 27.6% is up 3.7% YoY — cost efficiency is improving. Net margin at 22.8% and gross margin of 60.5% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 3 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.3x
P/S Ratio: 2.2x
P/B Ratio: 1.1x

At 12.3x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $8.76B
Cash: $397.26M
Long-Term Debt: $207.87M
Book Value: $882.46M
D/E Ratio: 0.2
Debt/EBITDA: 6.4

With $8.76B in assets and $207.87M in long-term debt, D/E is 0.2and book value is $882.46M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $32.24M
TTM Free Cash Flow: $126.47M
FCF Margin: 29.4%
FCF / Net Income: 1.7

TTM FCF of $126.47M on $32.24M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.