SBSI Valuation

Southside Bancshares Inc

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31.210

+1.5(5.049%)1D

Overview
Forecast
Valuation
Earnings

SBSI Relative Valuation

SBSI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SBSI is overvalued; if below, it's undervalued.

Historical Valuation

Southside Bancshares Inc (SBSI) is now in the Fair zone, suggesting that its current forward PE ratio of 10.37 is considered Fairly compared with the five-year average of 11.74. The fair price of Southside Bancshares Inc (SBSI) is between 29.59 to 36.60 according to relative valuation methord.

Relative Value

Fair Zone

29.59-36.60

Current Price：29.71

Fair

10.37

Trailing

Forward

0.00

EV/EBITDA

Southside Bancshares Inc. (SBSI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Southside Bancshares Inc. (SBSI) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.17

Southside Bancshares Inc. (SBSI) has a current PS of 3.17. The 5-year average PS is 4.05. The thresholds are as follows: Strongly Undervalued below 2.48, Undervalued between 2.48 and 3.26, Fairly Valued between 4.84 and 3.26, Overvalued between 4.84 and 5.62, and Strongly Overvalued above 5.62. The current Forward PS of 3.17 falls within the Undervalued range.

0.00

P/OCF

Southside Bancshares Inc. (SBSI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Southside Bancshares Inc. (SBSI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Southside Bancshares Inc (SBSI) has a current Price-to-Book (P/B) ratio of 1.13. Compared to its 3-year average P/B ratio of 1.25 , the current P/B ratio is approximately -10.06% higher. Relative to its 5-year average P/B ratio of 1.32, the current P/B ratio is about -14.84% higher. Southside Bancshares Inc (SBSI) has a Forward Free Cash Flow (FCF) yield of approximately 4.30%. Compared to its 3-year average FCF yield of 11.96%, the current FCF yield is approximately -64.06% lower. Relative to its 5-year average FCF yield of 11.37% , the current FCF yield is about -62.21% lower.

1.13

P/B

Median3y

1.25

Median5y

1.32

4.30

FCF Yield

Median3y

11.96

Median5y

11.37

Competitors Valuation Multiple

The average P/S ratio for SBSI's competitors is 2.86, providing a benchmark for relative valuation. Southside Bancshares Inc Corp (SBSI) exhibits a P/S ratio of 3.17, which is 10.68% above the industry average. Given its robust revenue growth of 1.04%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

SBSI.O

Southside Bancshares Inc

First Mid Bancshares Inc

Burke & Herbert Financial Services Corp

Amalgamated Financial Corp

Tompkins Financial Corp

Univest Financial Corp

2.64

13.80%

911.11M

Performance Decomposition

Market capitalization of SBSI decreased by 6.81% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 10.28 to 10.76.

The secondary factor is the Revenue Growth, contributed 1.04%to the performance.

Overall, the performance of SBSI in the past 1 year is driven by P/E Change. Which is more unsustainable.

1.04%

63.36M → 64.02M

Revenue Growth

-12.51%

38.94 → 34.07

Margin Expansion

4.66%

10.28 → 10.76

P/E Change

-6.81%