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Southside Bancshares, Inc. (SBSI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Southside Bancshares, Inc. stock $24.72, price $34.08, that is 27.5% below the price, quality 54 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

SB Southside Bancshares, Inc. logo Broad data Nov 7, 2026

Southside Bancshares, Inc.

SBSI · US
Solid, but expensive

Our calculation puts a fair price 27% below what the stock costs today.

Highly profitable · 35.9% net margin (TTM)
4.3% dividend yield · Low payout
Upbeat coverage
Broad data
Revenue last quarter +72% vs. a year ago.
Quality 54/100
Mixed Growth (revenue 5y +8.3 %/yr in USD)
Mixed vs. peers (6/15)
Moderate moat 58/100
Insiders sold $271,571 (6M)
Fair value $24.72 · Overvalued (−27.5%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$36.56 $22.24 Fair Value $24.72 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $22.24 – $36.56 · fair‑value band $22.71 – $33.57 · the $34.08 price screens above the $24.72 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various financial services to individuals, businesses, municipal entities, and nonprofit organizations.

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Its deposit products include savings, money market, and interest and noninterest bearing checking accounts, as well as certificates of deposit.

The company offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, and other consumer related loans; commercial loans, such as short-term working capital loans for inventory and accounts receivable, short and medium-term loans for equipment or other business capital expansion, commercial real estate loans, and municipal loans; and construction loans for 1-4 family residential and commercial real estate.

It also provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services.

In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products.

The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.

Stock analysis

Southside Bancshares, Inc. (SBSI) currently trades at $34.08, while our model-based Fair Value estimate is $24.72, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $30.28 per share, and 0 of the 6 models we run sit above the $34.08 price.

Bear case: the Asset-Based group reads lowest at $14.52, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $22.71 (bear) to $33.57 (bull), the price of $34.08 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 54/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Southside Bancshares, Inc. reported revenue of $419M in FY2025 versus $265M in FY2021, a compound +12.1%/yr. Reported net income was $69.2M in FY2025, compounding −11.6%/yr from FY2021.

Key figures

Market cap $1.0B Small · P/E ratio 10.3 · P/S ratio 3.69 · EPS (TTM) $3.31 · Dividend yield 4.3% · Net margin 35.9% · Return on equity 11.8% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 26% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, SBSI screens cheaper than that median.

Fair Value models

Bear $22.71 Fair Value $24.72 Bull $33.57
Price $34.08 · Downside -27.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.59 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $23.20 $24.72 $27.39 76
Gordon GGM $12.16 $23.17 $33.57 67
DDM Multi-Stage $12.16 $20.53 $24.60 67
All 6 models by family
Dividend Discount
Gordon GGM $12.16 $23.17 $33.57 67
DDM Multi-Stage $12.16 $20.53 $24.60 67
Multiples
P/E Multiple $22.66 $30.22 $37.77 63
P/B Multiple $22.76 $30.34 $37.93 55
Asset-Based
NCAV (Graham) $10.84 $14.52 $21.67 54
Economic Profit
Residual Income $23.20 $24.72 $27.39 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 54/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 29
Are margins and returns getting better?
Cashflow 71
Do the profits arrive as real cash?
Financial strength 15
Debt, balance sheet and risk of trouble
Investment 81
Does it invest with discipline instead of growing at any price?
Low Volatility 87
How calm the share price moves, does not count
Price momentum 48
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 70
Distance to the 52-week high, does not count
New shares 92
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $271,571 and none bought.

  • SaleApril PinkleyCAO6,724 shares at $36.00$242,064Nov 5, 2026
  • SaleJohn Mitchell Craddock Jr.Chief Operating Officer2× since Jun 9, 2026: 901 shares, avg. $32.75$29,507Sep 11, 2026
  • BuyKirk A. CalhounDirector300 shares at $33.15$9,945Feb 3, 2026
  • BuyHerbert C BuieDirector1,807 shares at $30.68$55,439Dec 4, 2025

Plus 65 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−8.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.3%
Start year 2020 (pandemic). Over 10 years: +8.3% a year
Revenue growth 30 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−1.5%
Dividend (yield on the price)4.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1.5% vs 3.6%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 20%
Pace: the 5-year rate starts in 2020 (pandemic)

SBSI screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (89 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 54 · Below median
Fair Value upside −27.5% · Below median
Profitability
Return on equity (12 months) 11.8% · Above median
Return on assets 0.8% · Below median
Net margin (12 months) 35.9% · Above median
Operating margin (12 months) 48.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 71.9% · Top 25%
Dividend yield (12 months) 4.3% · Top 25%
Balance sheet
Debt / equity 0.36× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.3× · Cheaper than median
P/B 1.20× · Pricier than median
P/S (12 months) 3.69× · Pricier than median
Price / free cash flow (fiscal year) 13.9× · Pricier than median
EV/EBITDA 11.3× · Pricier than median
PEG 5.35× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)47 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)85 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs SBSI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs SBSI
BNP Paribas SA BNP €91.93 €106.01 +15% vs SBSI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs SBSI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs SBSI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs SBSI
Mizuho Financial Group MFG $9.40 $5.90 −37% vs SBSI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs SBSI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs SBSI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs SBSI

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Cite: Fair Value Calculator (2026). "Southside Bancshares, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SBSI

Frequently asked questions

Is Southside Bancshares, Inc. (SBSI) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $24.72 versus a price of $34.08, about 27% lower (overvalued).
What is the fair value of SBSI?
Our model-based fair value for Southside Bancshares, Inc. is $24.72 (as of Nov 7, 2026), built from audited fundamentals. The current price: $34.08.
What is the quality score of SBSI?
Southside Bancshares, Inc. has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Southside Bancshares, Inc. (SBSI)?
Our model-based price target is the fair value of $24.72 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $22.71, optimistic scenario $33.57. It is a calculation from audited fundamentals, not an analyst target.
What is the Southside Bancshares, Inc. stock forecast for 2026?
Our models put fair value at $24.72, about 27% lower versus a price of $34.08 (overvalued). Cautious scenario $22.71, optimistic scenario $33.57. The calculation is refreshed regularly with new filings.
What is the revenue of Southside Bancshares, Inc. (SBSI)?
Southside Bancshares, Inc. reported trailing-twelve-month revenue of about $276M (latest available figure, as of Nov 7, 2026).
Does Southside Bancshares, Inc. pay a dividend?
Southside Bancshares, Inc. currently shows a dividend yield of 4.25% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Southside Bancshares, Inc. (SBSI) and when is the ex-dividend date?
Southside Bancshares, Inc. pays a dividend of $1.45 per share a year, a dividend yield of 4.3%. The last ex-dividend date was Aug 20, 2026. A dividend has been paid every year since at least 1998. The payout ratio is 43.8% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Southside Bancshares, Inc. (SBSI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Southside Bancshares, Inc. it is $24.72 per share (as of Nov 7, 2026), against a price of $34.08. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Southside Bancshares, Inc. stock overvalued or undervalued in 2026?
As of Nov 7, 2026, SBSI trades above its calculated fair value: price $34.08, fair value $24.72, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SBSI?
No. The price is what the market pays today ($34.08); the fair value is what the company's own numbers justify ($24.72). For Southside Bancshares, Inc. the two are $9.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Southside Bancshares, Inc. worth?
The market values Southside Bancshares, Inc. at about $1.0B (market capitalisation, as of Nov 7, 2026). Per share that is $34.08; our models calculate a fair value of $24.72 per share.
What do the bullish and bearish scenarios say about SBSI?
Our models span a range for Southside Bancshares, Inc.: cautious scenario $22.71, base $24.72, optimistic $33.57 per share (as of Nov 7, 2026, price $34.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SBSI?
Southside Bancshares, Inc. trades at a price-to-earnings ratio of 10.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $24.72 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings, FY2017, FY2018, FY2023 ex one-offs: 12.6. Other multiples: PEG 5.3, P/B 1.2, P/S 3.7, EV/EBITDA 11.3.
What is the PEG ratio of SBSI?
The PEG ratio of Southside Bancshares, Inc. is 5.35 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Southside Bancshares, Inc. (SBSI)?
Balance-sheet figures for Southside Bancshares, Inc. (as of Nov 7, 2026): return on equity 11.8%, debt of 0.36 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is SBSI from its 52-week high?
Southside Bancshares, Inc. trades at $34.08, about 5% below its 52-week high of $35.74 and 26% above the low of $27.12 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $24.72 is for.
Which stocks are comparable to Southside Bancshares, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Southside Bancshares, Inc. stock attractive at the current price?
The data as of Nov 7, 2026: price $34.08, calculated fair value $24.72 (−27%), Quality Score 54/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SBSI calculated?
We run Southside Bancshares, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $24.72 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Southside Bancshares, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Southside Bancshares, Inc. (SBSI)?
The closing price on Nov 6, 2026 was $34.08. Our model-based fair value is $24.72, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Southside Bancshares, Inc. right now?
Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Southside Bancshares, Inc. (SBSI) come from?
Earnings per share at Southside Bancshares, Inc. grew +6.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.8 %, EBIT margin −0.5 %, tax rate −0.5 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Southside Bancshares, Inc.

How large is the market capitalisation of Southside Bancshares, Inc. (SBSI)?
The market capitalisation of Southside Bancshares, Inc. is $1.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Southside Bancshares, Inc. (SBSI)?
The price-to-sales ratio of Southside Bancshares, Inc. is 3.69 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Southside Bancshares, Inc. (SBSI)?
Earnings per share at Southside Bancshares, Inc. are $3.31 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Southside Bancshares, Inc. (SBSI)?
The dividend yield of Southside Bancshares, Inc. is 4.3% (payout 43.8%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Southside Bancshares, Inc. (SBSI)?
The net margin of Southside Bancshares, Inc. is 35.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Southside Bancshares, Inc. (SBSI)?
The return on equity (ROE) of Southside Bancshares, Inc. is 11.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Southside Bancshares, Inc. (SBSI)?
On an EBIT basis the return on assets of Southside Bancshares, Inc. is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Southside Bancshares, Inc. (SBSI)?
The operating margin of Southside Bancshares, Inc. is 48.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Southside Bancshares, Inc. (SBSI)?
Revenue at Southside Bancshares, Inc. is growing +71.9% versus a year earlier (3y avg +12.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Southside Bancshares, Inc. (SBSI)?
Earnings per share at Southside Bancshares, Inc. are growing +481% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Southside Bancshares, Inc. (SBSI) generate?
The free cash flow of Southside Bancshares, Inc. is $73.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Southside Bancshares, Inc. (SBSI) carry?
The net debt of Southside Bancshares, Inc. is $350M (fiscal year 2025, ≈ 4.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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