Is Southside Bancshares (SBSI) overvalued or fairly valued?

MarketChacha shows Southside Bancshares's valuation in context — a trailing P/E of about 14.4, a forward P/E of about 9.8, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Southside Bancshares's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.13×) from reported figures — education, not a rating.

What is the share price of Southside Bancshares (SBSI)?

Southside Bancshares last traded at $34.10 (-1.7% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Southside Bancshares

SBSI · NYSE · Financials · United States

$34.10-1.7%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:33 PM

Snapshot

TickerSBSI

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees781

HeadquartersTyler, United States

Market cap$1.0B

P/E (TTM)14.4

P/B1.2

Volume50.96K

Websitewww.southside.com

Filings tracked3

About Southside Bancshares

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. 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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders4.6%
Institutions59.0%
Public & other36.3%

278 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.12%
Dimensional Fund Advisors LP4.65%
State Street Corporation4.35%
Vanguard Capital Management LLC4.16%
Geode Capital Management, LLC2.42%
Vanguard Portfolio Management LLC1.98%
Renaissance Technologies, LLC1.48%
Two Sigma Investments, LP1.33%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.13×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $76.2M · EPS 0.87

Est. earnings growth +240.6%

Next fiscal year

Rev $314.2M · EPS 3.48

Est. earnings growth +2.1%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$26.3252-wk range$36.20

Delayed · as reported by Yahoo Finance

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$1.0B

Day change

-1.7%

P/E (TTM)

14.4

Fwd P/E

9.8

P/B

1.2

Div yield

4.15%

Beta

0.57

ROE

8.2%

Profit CAGR (2y)

-10.6%

EPS (FY2025)

2.29

Net profit (FY2025)

$69.2M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about SBSI

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Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$69.2M	2.29	8.2%
FY2024	$88.5M	2.91	10.9%
FY2023	$86.7M	2.82	11.2%

Quarterly

Period	Net profit	EPS
2026Q1	$23.3M	0.78
2025Q3	$4.9M	0.16
2025Q2	$21.8M	0.72
2025Q1	$21.5M	0.71
2024Q3	$20.5M	0.68
2024Q2	$24.7M	0.81
2024Q1	$21.5M	0.71
2023Q3	$18.4M	0.60
2023Q2	$24.9M	0.81
2023Q1	$26.0M	0.83

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Bylaw/charter change, Shareholder vote results, Exhibits
SEC5/20/2026material
8-K — Results of operations, Exhibits
SEC4/30/2026material
10-Q filing
SEC4/30/2026

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.