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SBSI Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
30.400
Open
30.040
VWAP
29.97
Vol
172.42K
Mkt Cap
903.07M
Low
29.130
Amount
5.17M
EV/EBITDA(TTM)
16.54
Total Shares
29.74M
EV
1.54B
EV/OCF(TTM)
5.06
P/S(TTM)
4.02
Southside Bancshares, Inc. is a bank holding company for Southside Bank. The Company operates through approximately 53 branches, 12 of which are located in grocery stores, in addition to wealth management and trust services, and/or loan production, brokerage or other financial services offices. It is a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that it serves. Its consumer loan services include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans and other consumer related loans. Its commercial loan services include commercial real estate loans and municipal loans. The Company's trust and wealth management services include investment management, administration of irrevocable, revocable and testamentary trusts, and custodian services, primarily for individuals and, to a lesser extent, partnerships and corporations.
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Events Timeline

(ET)
2026-01-29
06:10:00
Southside Reports Q4 Revenue of $71.99M, Exceeds Expectations
select
2025-10-24 (ET)
2025-10-24
06:05:52
Southside Bancshares announces Q3 earnings per share of 16 cents, falling short of the expected 72 cents.
select
2025-09-19 (ET)
2025-09-19
16:17:40
Southside Bank CEO Lee Gibson Announces Retirement; Keith Donahoe Set to Take Over
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2025-07-25 (ET)
2025-07-25
05:57:21
Southside Bancshares reports Q2 EPS 72c, consensus 68c
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News

Yahoo Finance
9.5
02-12Yahoo Finance
Analysis of Schroder BSC Social Impact Trust's Declining Stock Price
  • Poor Stock Performance: Schroder BSC Social Impact Trust's share price has fallen by 38% over the past five years and dropped 10% in the last quarter, leading shareholders to question their investment and potentially impacting future investment decisions.
  • Declining Earnings Per Share: Over the past five years, the trust's earnings per share (EPS) have decreased at an annual rate of 32%, while the share price has declined by 9% annually, indicating a deterioration in the company's fundamentals and a possibly pessimistic market outlook.
  • Total Shareholder Return Analysis: Despite the poor stock performance, the trust's total shareholder return (TSR) over the last five years was -29%, suggesting that dividends paid have somewhat mitigated shareholder losses, although it still lags behind overall market performance.
  • Market Performance Comparison: Shareholders of the trust have seen a 7% loss over the past year, while the market itself has risen by 25%, indicating a lack of competitiveness for the trust in the market, and prolonged stock price weakness may signal greater risks ahead.
Yahoo Finance
9.5
01-29Yahoo Finance
Southside Bancshares Reports Significant Q4 Net Income Surge
  • Net Income Surge: Southside Bancshares reported a net income of $221 million for Q4, representing a 327.2% increase from the previous quarter, showcasing the company's success in reducing funding costs and achieving moderate loan growth, thereby enhancing its market competitiveness.
  • Net Interest Margin Expansion: The net interest margin expanded to 2.98%, with expectations for further improvement following the redemption of $93 million in subordinated debt, indicating the company's strong profitability amid changing interest rate environments.
  • Decline in Loan Production: New loan production for Q4 was $327 million, down from $500 million in Q3, reflecting increased market competition and economic uncertainty, which may impact future revenue growth.
  • Stable Credit Quality: Nonperforming assets accounted for 0.45% of total assets, demonstrating the company's robustness in credit management, although potential risks in credit loss coverage remain, providing a foundation for future loan growth.
seekingalpha
9.5
01-29seekingalpha
Southside Bancshares Reports Q4 2025 Earnings Highlights
  • Significant Net Income Growth: Southside Bancshares reported a net income of $21 million for Q4 2025, reflecting a substantial increase of $16.1 million or 327.2% from the previous quarter, indicating a marked improvement in profitability under favorable market conditions.
  • Loan Production Recovery: New loan production for the fourth quarter was approximately $327 million, with $215 million funded during the quarter, and the loan pipeline rebounded to over $2 billion after year-end, suggesting a positive outlook for loan demand recovery.
  • Interest Income Enhancement: Net interest income increased by $1.5 million linked quarter, with net interest margin expanding to 2.98%, and further expansion is anticipated in 2026 due to the redemption of approximately $93 million in subordinated debt, enhancing future financial flexibility.
  • Expense Growth Outlook: Management projects a 7% increase in noninterest expenses for 2026, primarily driven by software and personnel changes, with Q1 2026 noninterest expenses expected to be around $39.5 million, including an $800,000 one-time charge, reflecting the company's commitment to technology investments.
Newsfilter
9.5
01-29Newsfilter
Southside Bancshares Reports Q4 2025 Financial Highlights
  • Net Income Decline: Q4 2025 net income was $21.0 million, down 3.7% from $21.8 million in Q4 2024, primarily due to net losses on AFS securities, indicating challenges in asset management.
  • Earnings Per Share Slightly Down: Diluted earnings per share were $0.70, a decrease of 1.4% from $0.71 in the same period of 2024, reflecting the impact of securities sales losses on profitability, which may affect investor confidence.
  • Interest Income Growth: Net interest income reached $57.2 million, up 6.6% year-over-year, primarily due to a decrease in the average rate paid on interest-bearing liabilities, indicating some success in cost control.
  • Low Nonperforming Assets Ratio: As of December 31, 2025, nonperforming assets were 0.45% of total assets, demonstrating ongoing efforts in credit quality management, although it has increased compared to previous periods, it remains below industry averages.
seekingalpha
9.5
01-29seekingalpha
Southside Bancshares Q4 Earnings Miss Expectations
  • Earnings Decline: Southside Bancshares reported a Q4 GAAP EPS of $0.70, missing expectations by $0.09, indicating pressure on profitability that may affect investor confidence.
  • Revenue Drop: The company's Q4 revenue of $62.83 million represents a 4.8% year-over-year decline, falling short of expectations, which suggests weak market demand that could impact future growth prospects.
  • Net Interest Margin Improvement: The tax-equivalent net interest margin increased by four basis points to 2.98% quarter-over-quarter, although this slight improvement did not significantly enhance overall profitability, indicating intensified competition.
  • Stable Asset Quality: Nonperforming assets remained low at 0.45% of total assets, demonstrating effective risk management, which helps maintain investor trust.
Globenewswire
9.5
01-15Globenewswire
Southside Bancshares to Release Q4 and Year-End Financial Results on January 29, 2026
  • Earnings Release Schedule: Southside Bancshares plans to release its fourth quarter and year-end financial results before market open on January 29, 2026, which is expected to provide investors with critical financial performance data to assess the company's future growth potential.
  • Conference Call Details: The company will host a conference call on the same day at 11:00 a.m. CST, led by CEO Keith Donahoe and CFO Julie Shamburger, allowing analysts to engage in a Q&A session post-prepared remarks, enhancing investor interaction.
  • Asset Overview: As of September 30, 2025, Southside Bank holds approximately $8.38 billion in assets, reflecting its strong market position in East Texas and the greater Dallas/Fort Worth, Austin, and Houston areas, further solidifying its role as a community-focused bank.
  • Service Network Expansion: Southside Bank currently operates 53 branches and 70 ATMs/ITMs in East Texas, offering a comprehensive range of financial products and services to meet diverse needs of individual and business clients, thereby enhancing its competitive edge in the market.
Wall Street analysts forecast SBSI stock price to rise
2 Analyst Rating
Wall Street analysts forecast SBSI stock price to rise
0 Buy
2 Hold
0 Sell
Hold
Current: 0.000
sliders
Low
31.00
Averages
32.00
High
33.00
Current: 0.000
sliders
Low
31.00
Averages
32.00
High
33.00
Keefe Bruyette
Market Perform
maintain
$31 -> $35
AI Analysis
2026-02-02
Reason
Keefe Bruyette
Price Target
$31 -> $35
AI Analysis
2026-02-02
maintain
Market Perform
Reason
Keefe Bruyette raised the firm's price target on Southside Bancshares to $35 from $31 and keeps a Market Perform rating on the shares.
Keefe Bruyette
Market Perform
downgrade
$32 -> $31
2025-10-27
Reason
Keefe Bruyette
Price Target
$32 -> $31
2025-10-27
downgrade
Market Perform
Reason
Keefe Bruyette lowered the firm's price target on Southside Bancshares to $31 from $32 and keeps a Market Perform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SBSI
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Valuation Metrics

The current forward P/E ratio for Southside Bancshares Inc (SBSI.O) is 9.88, compared to its 5-year average forward P/E of 11.61. For a more detailed relative valuation and DCF analysis to assess Southside Bancshares Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
11.61
Current PE
9.88
Overvalued PE
13.21
Undervalued PE
10.01

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.97
Current PS
3.17
Overvalued PS
4.80
Undervalued PS
3.14

Financials

AI Analysis
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Quarterly

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Frequently Asked Questions

What is Southside Bancshares Inc (SBSI) stock price today?

The current price of SBSI is 30.37 USD — it has decreased -0.62

What is Southside Bancshares Inc (SBSI)'s business?

Southside Bancshares, Inc. is a bank holding company for Southside Bank. The Company operates through approximately 53 branches, 12 of which are located in grocery stores, in addition to wealth management and trust services, and/or loan production, brokerage or other financial services offices. It is a community-focused financial institution that offers a full range of financial services to individuals, businesses, municipal entities and nonprofit organizations in the communities that it serves. Its consumer loan services include 1-4 family residential loans, home equity loans, home improvement loans, automobile loans and other consumer related loans. Its commercial loan services include commercial real estate loans and municipal loans. The Company's trust and wealth management services include investment management, administration of irrevocable, revocable and testamentary trusts, and custodian services, primarily for individuals and, to a lesser extent, partnerships and corporations.

What is the price predicton of SBSI Stock?

Wall Street analysts forecast SBSI stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SBSI is32.00 USD with a low forecast of 31.00 USD and a high forecast of 33.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Southside Bancshares Inc (SBSI)'s revenue for the last quarter?

Southside Bancshares Inc revenue for the last quarter amounts to 60.77M USD, decreased -3.88

What is Southside Bancshares Inc (SBSI)'s earnings per share (EPS) for the last quarter?

Southside Bancshares Inc. EPS for the last quarter amounts to 0.70 USD, decreased -1.41

How many employees does Southside Bancshares Inc (SBSI). have?

Southside Bancshares Inc (SBSI) has 781 emplpoyees as of March 10 2026.

What is Southside Bancshares Inc (SBSI) market cap?

Today SBSI has the market capitalization of 903.07M USD.