Southside Bancshares, Inc. (SBSI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Southside Bancshares, Inc. stock (SBSI) is currently trading at $30.78. Southside Bancshares, Inc. PE ratio is 13.44. Southside Bancshares, Inc. PS ratio (Price-to-Sales) is 3.95. Analyst consensus price target for SBSI is $35.00. WallStSmart rates SBSI as Underperform.
- SBSI PE ratio analysis and historical PE chart
- SBSI PS ratio (Price-to-Sales) history and trend
- SBSI intrinsic value — DCF, Graham Number, EPV models
- SBSI stock price prediction 2025 2026 2027 2028 2029 2030
- SBSI fair value vs current price
- SBSI insider transactions and insider buying
- Is SBSI undervalued or overvalued?
- Southside Bancshares, Inc. financial analysis — revenue, earnings, cash flow
- SBSI Piotroski F-Score and Altman Z-Score
- SBSI analyst price target and Smart Rating
Southside Bancshares, Inc.
📊 No data available
Try selecting a different time range
SBSI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Southside Bancshares, Inc. (SBSI)
SBSI trades 112% above its Graham fair value of $15.57, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Southside Bancshares, Inc. (SBSI) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around peg ratio and return on equity. Fundamentals are solid but monitor weak areas for improvement.
Southside Bancshares, Inc. (SBSI) Key Strengths (4)
Keeps $42 of every $100 in revenue after operating costs
Keeps $30 of every $100 in revenue as net profit
Trading at 1.06x book value, attractively priced
58.99% held by institutions, strong professional interest
Supporting Valuation Data
Southside Bancshares, Inc. (SBSI) Areas to Watch (6)
Revenue declining -3.70%, a shrinking business
Earnings declining -1.20%, profits shrinking
Very expensive relative to growth, significant premium
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.95x sales
Southside Bancshares, Inc. (SBSI) Detailed Analysis Report
Overall Assessment
This company scores 52/100 in our Smart Analysis, earning a C- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 2.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.06) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 41.50%, Profit Margin at 29.60%.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, PEG Ratio. Some valuation metrics including PEG Ratio (5.35), Price/Sales (3.95) suggest expensive pricing. Growth concerns include Revenue Growth at -3.70%, EPS Growth at -1.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 8.34%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 8.34% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -3.70% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, EPS Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SBSI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SBSI's Price-to-Sales ratio of 3.95x sits near its historical average of 3.94x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 3% below its historical high of 4.09x set in Mar 2026, and 3% above its historical low of 3.83x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Southside Bancshares, Inc. (SBSI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Southside Bancshares, Inc. faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 234M with 4% decline year-over-year. Profit margins are strong at 29.6%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 29.6% and operating margin of 41.5% demonstrate strong pricing power and operational efficiency.
Generating 17M in free cash flow and 24M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 4.7%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Southside Bancshares, Inc..
Bottom Line
Southside Bancshares, Inc. faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Southside Bancshares, Inc.(SBSI)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Southside Bancshares, Inc. is the banking holding company for Southside Bank providing a range of financial services to individuals, businesses, municipal entities, and non-profit organizations. The company is headquartered in Tyler, Texas.