Southside Bancshares

SBSI

Banks - Regional · Financial Services

Price

$34.84

-0.90 (-2.52%)

Market Cap

$1.04B

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Share count falling — buybacks

−7.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 32.7M (2021) → 30.2M (2025)

Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides a range of 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's loan portfolio comprises consumer loans that include 1-4 family residential loans, home equity loans, home improvement loans, automobile l

Winston Score History

Politician Trades

1 trades / 12mo

0 Congressional buys and 1 sell on SBSI in the last 12 months.

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Score breakdown

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Quality

Gross Margin

59.4%

Premium pricing power — 59.4% gross margin

Operating Margin

25.0%

Excellent — 25.0% operating margin

ROCE

1.6%

Weak — 1.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

-0.9%

Shrinking sales (-0.9% YoY)

EPS YoY

-19.2%

Earnings shrinking (-19.2% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

2/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

168%

Turns 168% of profit into real cash

FCF Margin

21.5%

Converts sales into free cash efficiently (21.5%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

1.03

Elevated debt (1.03)

Interest Cover

0.47x

Dangerous — barely covers interest (0.5x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

14.8x

Attractive valuation — P/E 14.8

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+4.5

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (14.8 → 10.3)

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Dividends

Dividend Yield

4.13%

Healthy income — 4.13% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend Growth

+0.0%

Dividend flat

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