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Southside Bancshares, Inc. SBSI

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Price alert · SBSI

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34.08 USD -0.28 (-0.81%)

At closeNov 6, 2026, 4:01 PM EST

34.08 0.00 0.00%

After hours · Nov 6, 4:01 PM ET

33.72 Day range 35.39
28.09 52-week range 35.74
YTD
+12.14%
1 year
+19.41%

Financial health

Altman Z-Score

-0.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 3
  • P/B 3

Valuation

P/E 13.2×
FY 2016: 20.3×FY 2017: 18.5×FY 2018: 15.0×FY 2019: 16.8×FY 2020: 12.6×FY 2021: 12.0×FY 2022: 11.0×FY 2023: 11.1×FY 2024: 10.9×FY 2025: 13.2×
FY 2016 5y median 11.1× FY 2025
P/S 2.2×
FY 2016: 4.9×FY 2017: 4.5×FY 2018: 4.1×FY 2019: 4.4×FY 2020: 3.7×FY 2021: 5.1×FY 2022: 3.9×FY 2023: 2.4×FY 2024: 2.1×FY 2025: 2.2×
FY 2016 5y median 2.4× FY 2025
P/B 1.1×
FY 2016: 1.9×FY 2017: 1.3×FY 2018: 1.5×FY 2019: 1.6×FY 2020: 1.2×FY 2021: 1.5×FY 2022: 1.5×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.1×
FY 2016 5y median 1.2× FY 2025
P/FCF 12.5×
FY 2016: 12.5×FY 2017: 12.2×FY 2018: 10.2×FY 2019: 19.4×FY 2020: 13.0×FY 2021: 9.2×FY 2022: 5.3×FY 2023: 13.2×FY 2024: 10.6×FY 2025: 12.5×
FY 2016 5y median 10.6× FY 2025
EV/EBITDA 13.6×
FY 2016: 46.3×FY 2017: 24.7×FY 2018: 19.3×FY 2019: 23.2×FY 2020: 19.4×FY 2021: 12.0×FY 2022: 12.2×FY 2023: 12.0×FY 2024: 13.3×FY 2025: 13.6×
FY 2016 5y median 12.2× FY 2025
EV/Sales 3.0×
FY 2016: 15.5×FY 2017: 9.0×FY 2018: 7.1×FY 2019: 8.2×FY 2020: 7.3×FY 2021: 6.4×FY 2022: 5.4×FY 2023: 3.4×FY 2024: 3.4×FY 2025: 3.0×
FY 2016 5y median 3.4× FY 2025
FCF Yield 8.0%
FY 2016: 8.0%FY 2017: 8.2%FY 2018: 9.8%FY 2019: 5.2%FY 2020: 7.7%FY 2021: 10.9%FY 2022: 18.8%FY 2023: 7.6%FY 2024: 9.4%FY 2025: 8.0%
FY 2016 5y median 9.4% FY 2025

Profitability

Gross Margin 55.8%
FY 2016: 80.9%FY 2017: 78.2%FY 2018: 75.6%FY 2019: 73.0%FY 2020: 77.0%FY 2021: 96.4%FY 2022: 85.1%FY 2023: 61.1%FY 2024: 55.8%FY 2025: 55.8%
FY 2016 5y median 61.1% FY 2025
Operating Margin 19.7%
FY 2016: 29.1%FY 2017: 31.9%FY 2018: 31.4%FY 2019: 31.1%FY 2020: 33.2%FY 2021: 49.3%FY 2022: 40.7%FY 2023: 25.6%FY 2024: 23.5%FY 2025: 19.7%
FY 2016 5y median 25.6% FY 2025
Net Margin 16.5%
FY 2016: 24.1%FY 2017: 24.6%FY 2018: 27.6%FY 2019: 26.4%FY 2020: 29.2%FY 2021: 42.7%FY 2022: 35.7%FY 2023: 21.9%FY 2024: 19.4%FY 2025: 16.5%
FY 2016 5y median 21.9% FY 2025
ROE 8.2%
FY 2016: 9.5%FY 2017: 7.2%FY 2018: 10.1%FY 2019: 9.3%FY 2020: 9.4%FY 2021: 12.4%FY 2022: 14.1%FY 2023: 11.2%FY 2024: 10.9%FY 2025: 8.2%
FY 2016 5y median 11.2% FY 2025
ROIC 4.2%
FY 2016: 2.4%FY 2017: 2.7%FY 2018: 4.4%FY 2019: 3.6%FY 2020: 4.0%FY 2021: 7.4%FY 2022: 7.7%FY 2023: 5.0%FY 2024: 4.7%FY 2025: 4.2%
FY 2016 5y median 5.0% FY 2025
ROA 0.8%
FY 2016: 0.9%FY 2017: 0.8%FY 2018: 1.2%FY 2019: 1.1%FY 2020: 1.2%FY 2021: 1.6%FY 2022: 1.4%FY 2023: 1.0%FY 2024: 1.0%FY 2025: 0.8%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue -8.1%
FY 2016: 8.4%FY 2017: 7.7%FY 2018: 21.6%FY 2019: 5.0%FY 2020: -0.2%FY 2021: -5.8%FY 2022: 10.7%FY 2023: 34.6%FY 2024: 15.3%FY 2025: -8.1%
FY 2016 FY 2025
Operating Income -23.0%
FY 2016: 16.4%FY 2017: 18.0%FY 2018: 19.7%FY 2019: 4.1%FY 2020: 6.5%FY 2021: 39.9%FY 2022: -8.6%FY 2023: -15.5%FY 2024: 6.2%FY 2025: -23.0%
FY 2016 FY 2025
EPS (diluted) -21.6%
FY 2016: 12.4%FY 2017: 0.0%FY 2018: 16.6%FY 2019: 4.3%FY 2020: 12.3%FY 2021: 40.5%FY 2022: -6.1%FY 2023: -13.5%FY 2024: 3.5%FY 2025: -21.6%
FY 2016 FY 2025
Free Cash Flow -19.0%
FY 2016: 15.8%FY 2017: 2.4%FY 2018: 32.7%FY 2019: -40.6%FY 2020: 22.2%FY 2021: 86.8%FY 2022: 47.0%FY 2023: -66.4%FY 2024: 24.3%FY 2025: -19.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.5×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 4.5×FY 2017: 1.6×FY 2018: 1.3×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 3.8×
FY 2016: 31.7×FY 2017: 12.2×FY 2018: 8.0×FY 2019: 10.7×FY 2020: 9.7×FY 2021: 2.4×FY 2022: 3.3×FY 2023: 3.4×FY 2024: 5.1×FY 2025: 3.8×
FY 2016 5y median 3.4× FY 2025
Interest Coverage 0.5×
FY 2016: 2.0×FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.2×FY 2020: 2.1×FY 2021: 4.9×FY 2022: 2.9×FY 2023: 0.7×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 4.7%
FY 2016: 2.6%FY 2017: 3.2%FY 2018: 3.8%FY 2019: 3.4%FY 2020: 4.2%FY 2021: 3.3%FY 2022: 3.9%FY 2023: 4.5%FY 2024: 4.5%FY 2025: 4.7%
FY 2016 5y median 4.5% FY 2025
Payout Ratio 62.7%
FY 2016: 52.6%FY 2017: 59.3%FY 2018: 56.6%FY 2019: 57.0%FY 2020: 52.6%FY 2021: 39.3%FY 2022: 42.8%FY 2023: 50.3%FY 2024: 49.3%FY 2025: 62.7%
FY 2016 5y median 49.3% FY 2025

Annual · latest fiscal year ends 2025-12-31