Southside Bancshares, Inc. (SBSI) AI Stock Analysis

Southside Bancshares, Inc. operates as the holding company for Southside Bank, a Texas-based regional financial institution. The company provides a broad spectrum of deposit products, including checking accounts, savings accounts, money market accounts, certificates of deposit, and cash management solutions for both individual and business clients. Its lending portfolio includes commercial and industrial loans, real estate loans, construction loans, and consumer loans such as home equity lines of credit and personal loans. Southside Bancshares focuses on serving communities across Texas through personalized service and customer relationships.

Southside Bancshares grew revenue from $265.3M in FY2021 to $293.8M in FY2022 and $395.6M in FY2023, reaching $456.1M in FY2024 before revenue fell 8.1% to $419.0M in FY2025. Over the 5-year period from FY2020 to FY2025, revenue CAGR was 8.3%. Operating margin decreased from 49.3% in FY2021 to 19.7% in FY2025, and net margin narrowed from 42.7% to 16.5%. Annual net income declined from $113.4M in FY2021 to $69.2M in FY2025, with EPS dropping from $3.40 to $1.36. In the latest quarter ended June 30, 2026, quarterly revenue growth was 8.3% year-over-year, while quarterly earnings grew 25.0% year-over-year.

As of June 30, 2026, Southside Bancshares held $1.97B in cash and short-term investments against total debt of $1.64B, resulting in net cash of $329.5M. Total assets stood at $8.76B, shareholders' equity was $882.5M, the current ratio was 0.27, and the debt-to-equity ratio was 1.86. In FY2025, the company generated $93.8M in operating cash flow and $73.5M in free cash flow. Cash deployment in FY2025 included $20.3M for capital expenditures, $23.2M for share buybacks, and $43.4M in dividends paid.

At a closing price of $30.66, Southside Bancshares trades at a trailing P/E of 12.1x, matching the 12.1x median of its US-listed Financial Services peers. Its forward P/E is 10.7x compared to the peer median of 10.8x, and its price-to-sales ratio of 3.7x is above the peer median of 3.2x. Over the past year, the stock returned 21.5%, outperforming the S&P 500 return of 16.8%. However, over a 5-year period, the stock gained 0.2%, trailing the S&P 500 return of 83.0%.

Southside Bancshares pays a quarterly dividend with an annualized forward payout of $1.48 per share, representing a dividend yield of 4.83%. The company has paid consecutive dividends for 29 years and achieved a 5-year annualized dividend growth rate of 2.1%. Its payout ratio stands at 93.5%, and the last ex-dividend date was August 20, 2026.

Wall Street coverage consists of 5 Hold ratings, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $34.00, implying upside of 10.9% from the last close of $30.66. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $291.3M and EPS of $3.28, representing 142.6% EPS growth. The company has beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is October 23, 2026.

This page is an AI-written research summary of Southside Bancshares, Inc. (SBSI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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