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Southside Bancshares Inc.

SBSI

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Southside Bancshares, Inc., incorporated in Texas in 1982, is a bank holding company for Southside Bank, a Texas state bank headquartered in Tyler, Texas that was formed in 1960. We operate through 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.

Valuation & Multiples

Based on TTM earnings · Diluted shares

Market Cap$1.06B
EPS$3.31
P/E10.73
Div. Yield4.08%
Net Margin–
P/Book1.3x
Southside Bancshares Inc. intrinsic value
52-Week Range
$28.09$35.74

Profitability & Returns

Revenue

N/A

Net Income (TTM)

$99M

▼ -21.8% YoY

Net Margin

–

P/E

10.73

Balance Sheet

Total Assets

$8.87B

Equity

$843M

Total Debt

$222M

Cash & Equiv.

$436M

Continue Research

Peers

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$36.78+2.32%67

Held by ETFs

SBSI is in 53 US ETFs. The largest of them, with SBSI's weight in each:

Southside Bancshares (SBSI) in four numbers

Fair value (book value)
$26.32
Price $35.51 is 35% above it.
Intrinsic Value
Quality score
59/100
Best check: share count change, -7.3%. Weakest: book value growth, 6.8%.
Quality
Dividend (TTM)
$1.45
4.08% yield, not raised in the latest year.
Dividends
P/E
10.73
Price to free cash flow 6.84.
Financials

Questions about Southside Bancshares

Is Southside Bancshares (SBSI) overvalued?

At $35.51, Southside Bancshares' price is 35% above the $26.32 a share fair value that Intrinsiqq's calculator gets from its book value. It trades at 10.73 times earnings and 6.84 times free cash flow. The growth behind that figure is yours to set on the Intrinsic Value tab. See how to tell if a stock is overvalued.

What is Southside Bancshares' fair value?

Intrinsiqq's calculator puts Southside Bancshares' fair value at $26.32 a share. It grows book value per share 1.3% a year for 5 years, applies an exit P/B of 1.1, and works back at a 10% yearly return. A 25% margin of safety gives a buy-below price of $19.74. Every input can be changed on the Intrinsic Value tab.

Is Southside Bancshares a high-quality business?

Southside Bancshares scores 59 out of 100 on Intrinsiqq's quality score, which makes it a mixed business on these measures. The score blends 6 checks computed from SEC filings. Its best check is share count change at -7.3%, and its weakest is book value growth at 6.8%. The Quality tab shows every check against its target.

Does Southside Bancshares (SBSI) pay a dividend, and how much?

Yes. Southside Bancshares (SBSI) pays a dividend: $1.45 per share over the last twelve months, a dividend yield of 4.08% at the latest close. Its dividend per share has grown at 2.1% a year over the last 5 years. The payout takes about 43.6% of earnings. The Dividends tab has the full payment history and the safety score.

Source: 10-Q filed 26 Oct 2026 (period ending 30 Sept 2026), SEC. Price: last close 4 Nov 2026. How this is calculated. Sector medians are approximate S&P 500 benchmarks and update periodically. Analysis, not investment advice.

Spot a number that looks wrong? Check it in SBSI's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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