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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Southside Bancshares, Inc.
SBSI · USOur calculation puts a fair price 27% below what the stock costs today.
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Price vs Fair Value
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
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
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
SBSI screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →
Earlier news
- The Zacks Analyst Blog Highlights First Interstate BancSystem, Southside Bancshares and First Hawaiian
- Southside Bancshares (SBSI) Q2 2026 Earnings Call Transcript
- Southside targets mid-single-digit 2026 loan growth amid $1.47B pipeline and margin pressure
- Southside Bancshares, Inc. Q2 2026 Earnings Call Summary
Compare Southside Bancshares, Inc. with another stock
Price, fair value, quality and upside side by side.
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
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EV/EBITDA by industry
- Dividend yield by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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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Key figures of Southside Bancshares, Inc.
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