Southside Bancshares Inc (SBSI)

Featured in Small-Cap Stocks

Southside Bancshares, Inc. is a financial holding company for Southside Bank, a Texas-based banking organization serving individuals, businesses, municipal entities, and nonprofit organizations. Through its banking operations, the company provides a range of deposit products, including savings accounts, money market accounts, checking accounts, and certificates of deposit. Its lending activities cover consumer, commercial, municipal, and construction financing, with products such as residential mortgages, home equity and home improvement loans, automobile loans, working capital facilities, equipment financing, commercial real estate loans, and municipal loans. Southside Bancshares also offers trust and wealth management services, brokerage services, safe deposit services, and retirement and employee benefit account administration. Customers can access services through branches, drive-thru facilities, loan production offices, ATMs, interactive teller machines, and digital banking channels. Founded in 1960 and headquartered in Tyler, Texas, the company is listed on the NYSE as common stock.


Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-SBSI
$32.54
-5.1% Downside
Fair
$37.33
8.9% Upside
Fair
Fair
1.44
4.2%
July 24, 2026
14.4x
1.2x
4.3x
1.028 B
46.9%
94.6%
-1.9
60.8%
136.7%
Valuation • Fair Value

Southside Bancshares Inc (NYSE-SBSI) Fair Value by Valuation Model

Compare the primary fair value estimate for Southside Bancshares Inc (NYSE-SBSI) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$32.54

Estimated downside of 5.1% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$26.45

Classic Ben Graham valuation formula reference.

DDM Fair Value

$29.98

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$34.24

Comparable-company valuation reference.

Analyst Price Target

$37.33

Analysts imply upside of 8.9%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Southside Bancshares Inc (NYSE-SBSI) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for Southside Bancshares Inc (NYSE-SBSI)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

239.5 M

Current operating scale indicator.

Revenue Forecast

299.9 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review Southside Bancshares Inc (NYSE-SBSI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Southside Bancshares Inc (NYSE-SBSI)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

136.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Southside Bancshares Inc (NYSE-SBSI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Southside Bancshares Inc (NYSE-SBSI)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 24, 2026

Days to Earnings

3

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

4.2%

Income yield reference.

Upcoming Dividend

1.44

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

60.8%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Southside Bancshares Inc (NYSE-SBSI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Southside Bancshares Inc (NYSE-SBSI) Stock Forecast & Technical Outlook

Review Southside Bancshares Inc (NYSE-SBSI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Southside Bancshares Inc (NYSE-SBSI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Southside Bancshares Inc (NYSE-SBSI) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Southside Bancshares Inc (NYSE-SBSI) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Southside Bancshares Inc (NYSE-SBSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Southside Bancshares Inc (NYSE-SBSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Southside Bancshares Inc (NYSE-SBSI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Southside Bancshares Inc (NYSE-SBSI) has a Hold consensus, with 0 buy, 5 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 5
Sell 0
FAQ Fast Investor Answers

Southside Bancshares Inc (NYSE-SBSI) Stock FAQ

Quick answers about Southside Bancshares Inc (NYSE-SBSI) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$32.54
Estimated downside 5.1%
Valuation Rating
Overvalued
Estimated downside of 5.1%
Analyst Target
$37.33
Implied upside 8.9%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Southside Bancshares Inc (NYSE-SBSI) is $32.54. This implies an estimated downside of 5.1% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 5.1% versus the current market price.

The available analyst price target for Southside Bancshares Inc (NYSE-SBSI) is $37.33. The analyst target implies estimated upside of 8.9%.

The current financial health read for Southside Bancshares Inc (NYSE-SBSI) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Southside Bancshares Inc (NYSE-SBSI) is July 24, 2026.

Based on the current data, dividend yield is 4.2%, upcoming dividend amount is 1.44.

The current P/E ratio listed for Southside Bancshares Inc (NYSE-SBSI) is 14.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Southside Bancshares Inc is 1.028 B.

The ticker symbol for Southside Bancshares Inc is NYSE-SBSI, and the stock is listed on NYSE.

Southside Bancshares Inc (NYSE-SBSI) is listed on NYSE.

The current debt-to-total-capital ratio listed for Southside Bancshares Inc is 46.9%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Southside Bancshares Inc is 94.6%. Free float helps investors understand how much of the share base is available for public trading.