Is Southside Bancshares (SBSI) overvalued or fairly valued?

MarketChacha shows Southside Bancshares's valuation in context — a trailing P/E of about 12.8, a forward P/E of about 10.1, a price-to-book of about 1.1 — 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 $32.83 (+1.2% on the day), as of 9/4/2026 — a delayed quote shown for education, not investment advice.

Southside Bancshares

SBSI · NYSE · Financials · United States

Snapshot

TickerSBSI

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees781

HeadquartersTyler, United States

Websitewww.southside.com

Filings tracked19

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.

Who owns it

Insiders4.7%
Institutions58.9%
Public & other36.4%

290 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.14.33%
Dimensional Fund Advisors LP4.72%
State Street Corporation4.46%
Vanguard Capital Management LLC4.19%
Geode Capital Management, LLC2.48%
Vanguard Portfolio Management LLC2.11%
Renaissance Technologies, LLC1.41%
Charles Schwab Investment Management, Inc.1.21%

Largest institutional holders — last updated 6/30/2026.

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 $73.7M · EPS 0.81

Est. earnings growth +58.2%

Next fiscal year

Rev $300.7M · EPS 3.24

Est. earnings growth -1.3%

Analyst consensus estimates — not the company's own guidance.

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

8.2%

Profit CAGR (2y)

-10.6%

EPS (FY2025)

2.29

Net profit (FY2025)

$69.2M

Ask MarketChacha about SBSI

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

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
2026Q2	$26.8M	0.90
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

10-Q filing
SEC7/24/2026
8-K — Results of operations, Exhibits
SEC7/24/2026material
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
10-K filing
SEC2/27/2026
8-K — Executive/director change, Exhibits
SEC2/20/2026material
8-K — Results of operations, Exhibits
SEC1/29/2026material
8-K — Other events
SEC1/6/2026material

2025

10-Q filing
SEC10/28/2025
8-K — Results of operations, Exhibits
SEC10/24/2025material
8-K — Executive/director change, Other events
SEC10/16/2025material
8-K — Executive/director change
SEC9/18/2025material
8-K — Material agreement, Material financial obligation, Exhibits
SEC8/14/2025material
8-K — Material agreement, Exhibits
SEC8/8/2025material
8-K — Executive/director change
SEC8/5/2025material
8-K — Reg FD disclosure, Exhibits
SEC8/4/2025material
8-K — Results of operations, Exhibits
SEC7/25/2025material
10-Q filing
SEC7/25/2025

In the news

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