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

$33.29+1.66(0.05%)Pre-market

Market Cap

$1.04B

P/E

10.5x

P/S

2.2x

P/B

1.2x

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: 83/100

Grade capped at D — Interest coverage below 1× (0.7x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (18/25).

Profitability23/25

Growth18/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

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 · 10.5x5y range 7.7x – 13.7x

Currently near its 20-quarter median.

P/S · 2.2x5y range 1.9x – 5.1x

Currently near its 20-quarter median.

P/B · 1.2x5y range 1.0x – 1.7x

Watch items

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

Some Concerns

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $1.04B

Metrics at a Glance

as of September 2026

Revenue & Profit

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

TTM Revenue: $461.29M
Q. Revenue: $120.60M
TTM EBITDA: $120.42M
TTM Op. Income: $119.91M
Q. Op. Income: $34.26M
TTM Net Income: $99.06M
Q. Net Income: $27.98M
EPS: $0.94
Shares Out.: $29.81M

$461.29M in TTM revenue grew 8.5% YoY, reaching $120.60M last quarter. TTM EBITDA of $120.42M and TTM operating income of $119.91M show growth is flowing through to the bottom line. TTM net income of $99.06M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 61.4%
EBITDA Margin: 28.5%
Op. Margin: 28.4%
Net Margin: 23.2%

Op. margin of 28.4% is up 22.7% YoY — cost efficiency is improving. Net margin at 23.2% and gross margin of 61.4% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

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

P/E Ratio: 10.5x
P/S Ratio: 2.2x
P/B Ratio: 1.2x

At 10.5x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 14% — an improving trend.

Assets & Liabilities

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

Total Assets: $8.87B
Cash: $436.38M
Long-Term Debt: $207.92M
Book Value: $842.88M
D/E Ratio: 0.2
Debt/EBITDA: 6.0

With $8.87B in assets and $207.92M in long-term debt, D/E is 0.2and book value is $842.88M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 31% — a weakening trend.

Cash Flow

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

Op. Cash Flow: $67.31M
TTM Free Cash Flow: $154.53M
FCF Margin: 33.5%
FCF / Net Income: 1.6

TTM FCF of $154.53M on $67.31M in operating cash flow. The FCF / Net Income ratio of 1.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.