Southside Bancshares, Inc. (SBSI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 237 | 239 | 253 | 251 | 258 | 237 | 275 | - |
| Operating profit | $m | 83 | 91 | ||||||
| Net profit | $m | 82 | 113 | 105 | 87 | 88 | 69 | 76 | 98 |
| EPS reported | $ | 2.29 | 2.54 | ||||||
| Operating cashflow per share | $ | 3.11 | 4.88 | ||||||
| Capex per share | $ | 0.67 | 0.62 | ||||||
| FCF per share | $ | 2.44 | 4.26 | ||||||
| Free cash flow | $m | 73 | 127 | ||||||
| Net debt | $m | -926 | -329 | ||||||
| Book value equity | $m | 848 | 882 | ||||||
| Book value per share | $ | 28.04 | 29.54 | ||||||
| Number of shares | m | 30.23 | 29.88 | ||||||
| DPS (TTM paid) | $ | 1.44 | 1.45 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.27 | 12.11 | ||||||
| P/B LTM | x | 1.08 | 1.04 | ||||||
| P/S LTM | x | 3.86 | 3.33 | ||||||
| P/FCF LTM | x | 12.46 | 7.23 | ||||||
| EV/EBITDA LTM | x | 15.28 | 9.23 | ||||||
| EV/Sales LTM | x | 3.02 | 4.86 | ||||||
| Earnings Yield LTM | % | +7.54% | +8.26% | ||||||
| FCF Yield | % | +8.02% | +13.84% | ||||||
| Quality | |||||||||
| ROE | % | +8.17% | +8.89% | ||||||
| ROIC | % | +4.20% | +2.93% | ||||||
| Operating margin | % | +19.72% | +19.86% | ||||||
| Gross margin | % | +55.84% | +49.65% | ||||||
| FCF/Sales | % | +17.54% | +27.70% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -21.58% | -13.01% | ||||||
| Sales Growth YoY | % | -8.07% | +6.72% | ||||||
| Net Income Growth YoY | % | -21.78% | -14.12% | ||||||
| FCF Growth | % | -18.98% | +39.75% | ||||||
| Operating Profit Growth | % | -23.05% | -15.37% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.74% | +4.35% | ||||||
| Dividend Growth | % | 0.00% | +0.69% | ||||||
| Payout Ratio | % | +62.66% | +56.40% | ||||||
| FCF/Debt | x | 0.10 | 0.08 | ||||||
| Net Debt/EBITDA | x | 4.23 | 9.04 | ||||||
| EBIT/Net interest | x | 0.45 | 0.50 | ||||||
| Net debt/market cap | % | +78.59% | +1.65% | ||||||
| Net debt/Equity | x | -1.09 | -0.37 | ||||||
| Gross debt/equity | x | 0.87 | 1.86 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Southside Bancshares, Inc. functions as the holding company for its subsidiary, Southside Bank, which delivers a comprehensive suite of financial solutions to diverse clients, including individual consumers, commercial enterprises, governmental bodies, and non-profit organizations. Its offerings encompass a variety of deposit accounts, such as savings, money market, and both interest-bearing and non-interest-bearing checking options, alongside certificates of deposit (CDs). The institution's lending portfolio is diverse, featuring consumer loans for purposes like 1-4 family residential purchases, home equity, property improvements, and vehicle financing, in addition to other personal credit lines. Commercial lending extends to short-term working capital for managing inventory and receivables, medium-term financing for equipment acquisition or business expansion, commercial real estate ventures, and loans to municipal entities. Furthermore, construction financing is available for both single-to-four-unit residential properties and commercial real estate developments. Complementing its core banking activities, the company provides wealth management and trust services. These include investment advisory and management, estate administration, the handling of both revocable and testamentary trusts, and custodial services for a clientele comprising individuals, partnerships, and corporate entities. Additional offerings include safe deposit box rentals and brokerage services. As of the close of business on December 31, 2021, the company maintained an operational presence across 56 banking locations and supported customers with 73 ATMs/ITMs. Established in 1960, Southside Bancshares, Inc. maintains its corporate headquarters in Tyler, Texas.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Southside Bancshares, Inc. (SBSI)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Southside Bancshares, Inc. functions as the holding company for its subsidiary, Southside Bank, which delivers a comprehensive suite of financial solutions to diverse clients, including individual consumers, commercial enterprises, governmental bodies, and non-profit organizations. Its offerings encompass a variety of deposit accounts, such as savings, money market, and both interest-bearing and non-interest-bearing checking options, alongside certificates of deposit (CDs). The institution's lending portfolio is diverse, featuring consumer loans for purposes like 1-4 family residential purchases, home equity, property improvements, and vehicle financing, in addition to other personal credit lines. Commercial lending extends to short-term working capital for managing inventory and receivables, medium-term financing for equipment acquisition or business expansion, commercial real estate ventures, and loans to municipal entities. Furthermore, construction financing is available for both single-to-four-unit residential properties and commercial real estate developments. Complementing its core banking activities, the company provides wealth management and trust services. These include investment advisory and management, estate administration, the handling of both revocable and testamentary trusts, and custodial services for a clientele comprising individuals, partnerships, and corporate entities. Additional offerings include safe deposit box rentals and brokerage services. As of the close of business on December 31, 2021, the company maintained an operational presence across 56 banking locations and supported customers with 73 ATMs/ITMs. Established in 1960, Southside Bancshares, Inc. maintains its corporate headquarters in Tyler, Texas.
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