Southside Bancshares, Inc. (SBSI) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Southside Bancshares, Inc. (SBSI) trades at $32.31 with AI Score 72/100 (Grade A). Southside Bancshares, Inc. is a Texas-based bank holding company providing financial services to individuals, businesses, and municipalities. Market cap: $961M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 10, 2026SBSI stock analysis for 2026: Analysts have set a consensus price target of $35.00 for Southside Bancshares, Inc., suggesting 8.3% upside from the current price of $32.31. The AI MoonshotScore is 72/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
SBSI: the 3 scored disciplines are evenly split. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Southside Bancshares, Inc. (SBSI) Financial Services Profile
Southside Bancshares, Inc., established in 1960 and headquartered in Tyler, Texas, provides comprehensive financial services, including deposit accounts, diverse loan options, and wealth management, primarily catering to individuals, businesses, and municipal entities across its network of 56 banking facilities and 73 ATMs/ITMs.
What Is the Investment Thesis for SBSI?
Southside Bancshares presents a stable investment opportunity within the regional banking sector. With a P/E ratio of 12.9 and a dividend yield of 4.32%, the company offers a blend of value and income. A profit margin of 15.8% and gross margin of 49.2% indicate solid profitability. The company's beta of 0.58 suggests lower volatility compared to the broader market. Growth catalysts include expansion of wealth management services and strategic lending initiatives within its existing Texas footprint. Potential risks include interest rate sensitivity and competition from larger national banks. The company's focus on community banking and strong local presence could drive long-term value.
Based on FMP financials and quantitative analysis
SBSI Key Highlights
Market capitalization of $961M, reflecting a substantial regional presence.
- P/E ratio of 12.9, indicating a potentially undervalued stock compared to its earnings.
- Profit margin of 15.8%, showcasing efficient operations and profitability.
- Dividend yield of 4.32%, offering an attractive income stream for investors.
- Beta of 0.58, suggesting lower volatility compared to the overall market, making it a potentially stable investment.
Who Are SBSI's Competitors?
SBSI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HBAN Huntington Bancshares Incorporated | $17.16 | -0.03% | $34.7B | 70 |
| FCNCA First Citizens BancShares, Inc. | $2170.72 | -1.67% | $24.7B | 84 |
| CMA Comerica Incorporated | $88.67 | -4.51% | $11.4B | 48 |
| CAC Camden National Corporation | $56.65 | -2.73% | $958M | 93 |
| THFF First Financial Corporation | $78.82 | -3.55% | $937M | 95 |
| HAFC Hanmi Financial Corporation | $31.14 | -0.05% | $927M | 94 |
| CFFN Capitol Federal Financial, Inc. | $8.54 | +0.53% | $1.05B | 93 |
| CCBG Capital City Bank Group, Inc. | $51.40 | +0.80% | $880M | 93 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SBSI's Key Strengths?
Strong presence in East Texas market.
- Diverse loan portfolio.
- Established wealth management and trust services.
- Solid profitability metrics.
What Are SBSI's Weaknesses?
Limited geographic diversification.
- Reliance on traditional banking services.
- Smaller scale compared to larger regional banks.
- Potential vulnerability to regional economic downturns.
What Could Drive SBSI Stock Higher?
Expansion of digital banking services to attract younger customers.
- Growth in wealth management and trust services.
- Potential acquisitions of smaller banks in the region.
- Strategic lending initiatives in growing Texas markets.
What Are the Key Risks for SBSI?
Financial-distress signal — its Altman Z-Score of -0.54 sits in the distress zone (elevated bankruptcy risk).
- Interest rate volatility impacting net interest margin.
- Increased competition from larger national banks.
- Economic downturns in the Texas region affecting loan quality.
- Regulatory changes and compliance costs.
- Cybersecurity threats and data breaches.
What Are the Growth Opportunities for SBSI?
- Expansion of Wealth Management Services: Southside Bancshares can grow its revenue by expanding its wealth management and trust services. The market for wealth management is growing as the population ages and accumulates more assets. By offering comprehensive financial planning, investment management, and trust services, Southside Bancshares can attract new clients and increase its fee-based income. The timeline for this growth is ongoing, with continuous efforts to enhance service offerings and expand the client base.
- Strategic Lending Initiatives: Focusing on specific lending sectors within its geographic area presents a growth opportunity. By identifying underserved markets or industries with strong growth potential, Southside Bancshares can deploy capital effectively and generate higher returns. For example, increasing commercial real estate lending in growing Texas cities could drive loan growth. The timeline for this initiative is medium-term, requiring market analysis and strategic planning over the next 2-3 years.
- Digital Banking Enhancements: Investing in digital banking technologies can improve customer experience and attract new customers, especially younger demographics. Offering mobile banking, online account opening, and other digital services can enhance convenience and accessibility. This initiative requires ongoing investment in technology and cybersecurity to remain competitive. The timeline is ongoing, with continuous updates and improvements to digital platforms.
- Community Engagement and Brand Building: Strengthening its presence and reputation within the local community can drive organic growth. Supporting local events, sponsoring community initiatives, and engaging with local businesses can enhance brand awareness and customer loyalty. This strategy requires a long-term commitment to community involvement and relationship building. The timeline is long-term, with sustained efforts to build trust and goodwill over several years.
- Acquisition Opportunities: Southside Bancshares could explore strategic acquisitions of smaller banks or financial institutions within its region to expand its market share and geographic reach. Acquisitions can provide access to new customers, products, and markets, creating synergies and economies of scale. This strategy requires careful due diligence and integration planning. The timeline is opportunistic, depending on the availability of suitable acquisition targets.
What Are SBSI's Competitive Advantages?
- Strong local presence and brand recognition in East Texas.
- Established relationships with local businesses and communities.
- Experienced management team with deep knowledge of the regional market.
- Conservative lending practices and strong credit quality.
What Does SBSI Do?
Southside Bancshares, Inc. was founded in 1960 and serves as the bank holding company for Southside Bank. Headquartered in Tyler, Texas, the company provides a comprehensive suite of financial services to individuals, businesses, municipal entities, and nonprofit organizations. Its core offerings include a variety of deposit products such as savings, money market, interest and noninterest-bearing checking accounts, and certificates of deposit. Southside Bank's loan portfolio is diverse, encompassing consumer loans (1-4 family residential, home equity, home improvement, automobile, and other consumer-related loans), commercial loans (short-term working capital, equipment financing, commercial real estate, and municipal loans), and construction loans (1-4 family residential and commercial real estate). In addition to traditional banking services, Southside Bancshares offers wealth management and trust services, including investment management, administration, revocable and testamentary trusts, custodian services, safe deposit services, and brokerage services. As of December 31, 2021, Southside Bancshares operated 56 banking facilities and 73 ATMs/ITMs, primarily serving the East Texas region. The company's evolution has been marked by consistent growth and a commitment to providing personalized financial solutions to its customer base.
What Products and Services Does SBSI Offer?
- Provides savings, money market, and checking accounts.
- Offers certificates of deposit.
- Provides 1-4 family residential loans.
- Offers home equity and home improvement loans.
- Provides automobile and other consumer loans.
- Offers short-term working capital loans.
- Provides commercial real estate loans.
- Offers wealth management and trust services.
How Does SBSI Make Money?
- Generates revenue through interest income from loans.
- Earns fees from wealth management and trust services.
- Collects service charges on deposit accounts.
- Profits from brokerage services.
What Industry Does SBSI Operate In?
Southside Bancshares operates within the regional banking sector, which is characterized by serving local communities and businesses. The industry is influenced by factors such as interest rate movements, regulatory changes, and economic conditions in specific geographic areas. Competition comes from larger national banks, credit unions, and other financial institutions. The regional banking sector is experiencing consolidation, with smaller banks seeking to gain scale and efficiency. Southside Bancshares' focus on personalized service and local market knowledge positions it to compete effectively within its Texas footprint.
Who Are SBSI's Key Customers?
- Individuals seeking personal banking services.
- Businesses requiring commercial loans and deposit accounts.
- Municipal entities needing financial services.
- Nonprofit organizations requiring banking solutions.
Forward Outlook
Wall Street analysts project Southside Bancshares, Inc. revenue of about $292.8M for fiscal 2026, with EPS near $3.29. The estimate reflects 3 contributing analysts.
Quarterly Financial Performance: Southside Bancshares, Inc.
Revenue for Southside Bancshares, Inc. came in at $117.9M during Q2 2026, a 4.1% improvement versus the preceding quarter. The company recorded net income of $26.8M, with diluted EPS of $0.90. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Financial Services company. Across the four most recent quarters, SBSI averaged $0.64 in diluted EPS.
SBSI Valuation & Market Position
With a $961M market cap, Southside Bancshares, Inc. sits in the small-cap segment of the market. Relative to its peer group, SBSI's quantitative score of 72/100 is roughly in line with the peer average of 78/100.
Key Financial Metrics
Return on equity for Southside Bancshares, Inc. stands at 8.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. SBSI trades at a trailing price-to-earnings ratio of 12.91, below the Financial Services sector average of ~18x. Its free cash flow yield is 13.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.27 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 7.9%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Southside Bancshares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.54 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Southside Bancshares, Inc. has beaten Wall Street's EPS estimate in 6 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 1.3% above estimates on average.
Company Profile
Southside Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Tyler, US. The company is led by CEO Keith Donahoe. SBSI has traded publicly since 1998.
SBSI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Southside Bancshares seems to be quietly building confidence within its own ranks; recent insider activity suggests those in the know see long-term value.
- The community chatter is generally positive, hinting at a belief in SBSI's stability and consistent performance.
- SBSI is perceived as a steady, reliable player in the regional banking sector, which is attractive in uncertain economic times. Think of it as the 'boring but dependable' stock in your portfolio.
- Market developments suggest a renewed interest in regional banks, possibly due to their focus on local economies and less exposure to global volatility.
Bear Case
- While insider activity is a positive signal, it's not a guarantee. Sometimes insiders are just optimistic, even when the broader picture is less rosy.
- Although generally positive, some community members express concern about SBSI's growth potential compared to larger, more aggressive banks.
- Market perception can shift quickly. A single negative news cycle about the regional banking sector could easily dampen enthusiasm for SBSI.
- SBSI's reliance on the regional economy makes it vulnerable to downturns in its specific geographic area. This is unlike national banks that can offset regional weaknesses elsewhere. Think of it as being heavily invested in one local market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $118M | $27M | $0.90 |
| Q1 2026 | $113M | $23M | $0.78 |
| Q4 2025 | $108M | $21M | $0.70 |
| Q3 2025 | $118M | $5M | $0.16 |
Based on FMP financials and quantitative analysis
SBSI Latest News
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Earnings Scheduled For July 24, 2026
benzinga · Jul 24, 2026
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Earnings Scheduled For January 29, 2026
benzinga · Jan 29, 2026
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Stocks That Hit 52-Week Lows On Wednesday
benzinga · Sep 28, 2022
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Stocks That Hit 52-Week Highs On Monday
· May 10, 2021
SBSI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SBSI.
Price Targets
Consensus target: $35.00
SBSI MoonshotScore
What does this score mean?
The MoonshotScore rates SBSI 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Keith Donahoe
CEO
Keith Donahoe serves as the CEO of Southside Bancshares, Inc. His career reflects extensive experience in the banking sector, with a focus on community banking and financial services. He has held various leadership positions within Southside Bank, gaining expertise in lending, operations, and strategic planning. Donahoe's background includes a strong emphasis on building relationships with local businesses and communities, aligning with Southside's commitment to personalized service. His educational background includes relevant degrees in finance and business administration.
Track Record: Under Keith Donahoe's leadership, Southside Bancshares has maintained a consistent growth trajectory, focusing on organic expansion and strategic initiatives. Key achievements include navigating economic cycles while maintaining strong credit quality and profitability. Donahoe has overseen the implementation of technology upgrades to enhance customer experience and improve operational efficiency. He has also played a key role in fostering a culture of community engagement and customer service within the organization.
Southside Bancshares, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for SBSI?
SBSI holds an AI Score of 72/100 (Grade: A). This is an educational research signal, not a buy or sell recommendation. Southside Bancshares, Inc. is a Texas-based bank holding company providing financial services to individuals, businesses, and municipalities. With a history dating back to 1960, the company …
What does Southside Bancshares, Inc. do?
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank, providing a range of financial services to individuals, businesses, municipal entities, and nonprofit organizations. These services include deposit accounts like savings, money market, and checking accounts, as well as certificates of deposit. The company also offers various loan products, including consumer, commercial, and construction loans.
What do analysts say about SBSI stock?
Analyst coverage of Southside Bancshares, Inc. (SBSI) typically focuses on its regional banking performance, asset quality, and profitability metrics. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored. Growth considerations include the company's ability to expand its loan portfolio, increase fee income from wealth management services, and manage operating expenses efficiently.
What are the main risks for SBSI?
Southside Bancshares faces several risks inherent to the banking industry. Interest rate volatility can impact the company's net interest margin, affecting profitability. Increased competition from larger national and regional banks could pressure market share and pricing. Economic downturns in the Texas region could lead to higher loan losses and reduced demand for banking services.
What are the key factors to evaluate for SBSI?
Southside Bancshares, Inc. (SBSI) holds an AI score of 72/100 (high). P/E: 12.9x vs the S&P 500's ~20-25x. Analysts target $35.00 (+8%). Not financial advice.
How frequently does SBSI data refresh on this page?
SBSI's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SBSI's recent stock price performance?
Southside Bancshares, Inc. (SBSI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in East Texas market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SBSI overvalued or undervalued right now?
Southside Bancshares, Inc. (SBSI) trades at 12.9x earnings. Analysts target $35.00 (+8%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SBSI before investing?
Before investing in Southside Bancshares, Inc. (SBSI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of 2026-05-10.
- Financial data is based on the most recent filings and may be subject to change.
- Analyst opinions may vary and are not guaranteed to be accurate.