📊 SBSI Key Takeaways
Is Southside Bancshares Inc. (SBSI) a Good Investment?
Southside Bancshares exhibits critical operational distress despite significant revenue growth, with interest coverage of 0.3x indicating inability to service debt from operating income. ROE of 2.7% and ROA of 0.3% are severely depressed for a bank, while EPS declined 21.3% YoY despite 82.3% revenue growth, signaling deteriorating earnings quality and probable asset quality issues.
Southside Bancshares Inc. Key Strengths (SBSI)
- Revenue growth of 82.3% YoY demonstrates market expansion or successful acquisition integration
- Operating margin of 27.7% and net margin of 22.7% show acceptable pricing power and cost structure
- Free cash flow generation of $45M with reasonable debt-to-equity ratio of 0.24x provides liquidity buffer
SBSI Stock Risks: Southside Bancshares Inc. Investment Risks
- Critical interest coverage ratio of 0.3x indicates company cannot cover interest expenses from operating income, signaling potential distress
- ROE of 2.7% and ROA of 0.3% are severely depressed and suggest inadequate returns on shareholder capital and assets
- Divergence between revenue growth (+82.3%) and earnings growth (+0.1%) indicates deteriorating profitability and likely credit losses impacting net income
Key Metrics to Watch
- Interest coverage ratio - must improve above 2.5x for sustainability
- Return on equity and return on assets - need recovery toward 8%+ ROE and 0.8%+ ROA respectively
- Non-performing loan ratio and loan loss provisions - likely source of earnings pressure
Southside Bancshares Inc. (SBSI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 44.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
SBSI Profit Margin, ROE & Profitability Analysis
SBSI vs Finance Sector: How Southside Bancshares Inc. Compares
How Southside Bancshares Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Southside Bancshares Inc. Stock Overvalued? SBSI Valuation Analysis 2026
Based on fundamental analysis, Southside Bancshares Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Southside Bancshares Inc. Balance Sheet: SBSI Debt, Cash & Liquidity
SBSI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Southside Bancshares Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.82 reflects profitable operations.
SBSI Revenue Growth, EPS Growth & YoY Performance
Southside Bancshares Inc. Dividends, Buybacks & Capital Allocation
SBSI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Southside Bancshares Inc. (CIK: 0000705432)
📋 Recent SEC Filings
❓ Frequently Asked Questions about SBSI
What is the AI rating for SBSI?
Southside Bancshares Inc. (SBSI) has an AI grade of D with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SBSI's key strengths?
Claude: Revenue growth of 82.3% YoY demonstrates market expansion or successful acquisition integration. Operating margin of 27.7% and net margin of 22.7% show acceptable pricing power and cost structure.
What are the risks of investing in SBSI?
Claude: Critical interest coverage ratio of 0.3x indicates company cannot cover interest expenses from operating income, signaling potential distress. ROE of 2.7% and ROA of 0.3% are severely depressed and suggest inadequate returns on shareholder capital and assets.
What is SBSI's revenue and growth?
Southside Bancshares Inc. reported revenue of $102.3M.
Does SBSI pay dividends?
Southside Bancshares Inc. pays dividends, with $10.7M distributed to shareholders in the trailing twelve months.
Where can I find SBSI SEC filings?
Official SEC filings for Southside Bancshares Inc. (CIK: 0000705432) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SBSI's EPS?
Southside Bancshares Inc. has a diluted EPS of $0.78.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is SBSI's fundamental grade?
Based on our AI fundamental analysis in May 2026, Southside Bancshares Inc. has a D grade with 78% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is SBSI stock overvalued or undervalued?
Valuation metrics for SBSI: ROE of 2.7% (sector avg: 12%), net margin of 22.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is SBSI's AI grade for 2026?
Our dual AI analysis gives Southside Bancshares Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is SBSI's free cash flow?
Southside Bancshares Inc.'s operating cash flow is $49.0M, with capital expenditures of $4.0M. FCF margin is 44.0%.
How does SBSI compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.7% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).