Southside Bancshares, Inc.

NYSE:SBSI Stock Report

Market Cap: US$1.0b

Southside Bancshares Future Growth

Future criteria checks 3/6

Southside Bancshares is forecast to grow earnings and revenue by 19.2% and 14.3% per annum respectively while EPS is expected to grow by 19.8% per annum.

Key information

19.2%

Earnings growth rate

19.77%

EPS growth rate

Banks earnings growth8.3%
Revenue growth rate14.3%
Future return on equityn/a
Analyst coverage

Low

Last updated01 May 2026

Recent future growth updates

Recent updates

Narrative Update • Jun 14

SBSI: Neutral Outlook As Higher P/E And Risk Inputs Shape Future Returns

Analysts have lifted their price target on Southside Bancshares by $11, citing updated views on the bank's fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary Bullish Takeaways Bullish analysts see the higher price target as better aligning the stock with their updated estimate of fair value, incorporating current revenue and profit assumptions into their models.
Narrative Update • May 31

SBSI: Neutral Rating And Higher P/E Assumptions Will Guide Future Returns

Analysts have lifted their price target on Southside Bancshares by $11, reflecting updated views on fair value, discount rate, and future P/E assumptions drawn from recent research coverage. Analyst Commentary Bullish Takeaways Bullish analysts see the higher price target as better aligned with their updated fair value work, suggesting the stock may now sit closer to what they view as a more appropriate valuation range.
Narrative Update • May 03

SBSI: Neutral Outlook Suggests Buybacks And Earnings Power Will Shape Future Returns

Analysts have lifted the fair value estimate for Southside Bancshares from $32 to $37 as updated assumptions for revenue growth, profit margins and a lower future P/E multiple feed through to higher price targets. Analyst Commentary Recent Street research provides a mixed but generally balanced view of Southside Bancshares, with one group of analysts lifting the price target range while another takes a more neutral stance on future execution and valuation.
Seeking Alpha • Feb 25

Southside Bancshares: Improvements Almost Justify An Upgrade

Summary Southside Bancshares (SBSI) remains rated 'hold' as improvements are offset by lingering concerns, especially in deposit trends and asset quality. SBSI's deposit base grew year-over-year, but sequential quarterly declines and uninsured deposit exposure require ongoing scrutiny. Balance sheet optimization—loan growth, debt reduction, and improved net interest margin—has enhanced profitability, though non-interest income volatility persists. Valuation is attractive at a 9.1x adjusted P/E and competitive price-to-book metrics, but return on equity and non-performing asset trends limit upgrade potential. Read the full article on Seeking Alpha
Analysis Article • Feb 09

Southside Bancshares' (NYSE:SBSI) Dividend Will Be $0.36

The board of Southside Bancshares, Inc. ( NYSE:SBSI ) has announced that it will pay a dividend of $0.36 per share on...
Narrative Update • Jan 28

SBSI: Stable Assumptions And Buybacks Will Support Balanced Future Returns

Analysts kept their fair value estimate for Southside Bancshares steady at about $32.00 per share, pointing to only marginal tweaks in discount rate, revenue growth, profit margin, and future P/E assumptions rather than any shift in their core outlook. Valuation Changes Fair Value Estimate: Held steady at about US$32.00 per share, with no change in the headline valuation figure.
Narrative Update • Jan 12

SBSI: Buybacks And Steady Credit Costs Will Support Balanced Future Returns

Analysts have reaffirmed their price target on Southside Bancshares at $32.00, making only minor adjustments to inputs such as the discount rate, revenue growth, profit margin, and future P/E assumptions that support this unchanged view. What's in the News For the three months ended September 30, 2025, Southside Bancshares reported net charge offs of $0.8 million, compared with $0.4 million for the same period in 2024 and $0.9 million for the quarter ended June 30, 2025 (company filing).
Narrative Update • Dec 26

SBSI: Buybacks And Stable Outlook Will Support Measured Future Performance

Analysts have modestly raised their price target on Southside Bancshares to approximately $32.00 per share. This reflects slightly higher discount rate and future earnings multiple assumptions while maintaining a stable view on revenue growth and profit margins.
Narrative Update • Dec 11

SBSI: Leadership Transition And Buybacks Will Support Future Stability

Analysts have modestly fine tuned their price target for Southside Bancshares to reflect essentially unchanged fair value at approximately $32.00 per share. This view is supported by a slightly lower discount rate and a marginally softer projected future price to earnings multiple, which together point to a stable, fairly valued outlook.
Narrative Update • Nov 27

SBSI: Leadership Changes And Buybacks Will Guide Stability Amid Fair Valuation

Analysts have reaffirmed their price target for Southside Bancshares at $32.00, maintaining their valuation based on stable profit margin and revenue growth projections. What's in the News Net charge-offs were reported at $0.8 million for the quarter ending September 30, 2025, an increase compared to $0.4 million in the same period last year (Key Developments).
Narrative Update • Nov 13

SBSI: Leadership Transition And Share Buyback Plans Will Shape Outlook

Analysts have revised their price target for Southside Bancshares slightly downward from $32.33 to $32.00, citing modest adjustments in growth and profitability expectations. What's in the News Lee R.
Analysis Article • Nov 10

Southside Bancshares (NYSE:SBSI) Is Due To Pay A Dividend Of $0.36

Southside Bancshares, Inc. ( NYSE:SBSI ) has announced that it will pay a dividend of $0.36 per share on the 4th of...
Narrative Update • Oct 29

Share Buybacks And Leadership Transition Will Drive Long-Term Shareholder Rewards

Analysts have lowered their price target for Southside Bancshares from $34.00 to $32.33. They cite improved profit margins and stronger revenue growth, along with a modest reduction in the discount rate and future price-to-earnings expectations.
Analysis Article • Aug 11

Southside Bancshares (NYSE:SBSI) Is Due To Pay A Dividend Of $0.36

Southside Bancshares, Inc. ( NYSE:SBSI ) has announced that it will pay a dividend of $0.36 per share on the 4th of...
Analysis Article • May 12

Southside Bancshares (NYSE:SBSI) Has Affirmed Its Dividend Of $0.36

Southside Bancshares, Inc.'s ( NYSE:SBSI ) investors are due to receive a payment of $0.36 per share on 5th of June...
Analysis Article • May 07

We Think Southside Bancshares, Inc.'s (NYSE:SBSI) CEO Compensation Package Needs To Be Put Under A Microscope

Key Insights Southside Bancshares to hold its Annual General Meeting on 14th of May CEO Lee Gibson's total compensation...
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New Narrative • Feb 13

Restructuring Mortgage-Backed Securities Will Reduce Volatility In 2025

Restructuring the mortgage-backed securities portfolio and favorable interest rate conditions may boost net interest margins and income in 2025.
Seeking Alpha • Feb 12

Southside Bancshares: Quite Undervalued With A Flattish Earnings Outlook

Summary Currently, the economic metrics of Austin, Tyler, and Fort Worth, Texas are not bad. Hence, I’m hopeful that the management’s loan growth target can be met. I’m expecting little change in interest rates and the net interest margin this year. The deposit costs seem to have already incorporated last year’s rate cuts. I’m expecting an EPS of $2.98 for Southside Bancshares in 2025. I haven’t changed my estimate much from the previous estimate given in my last report. My valuation analysis shows that SBSI is very undervalued. Plus, SBSI is offering a good dividend yield of 4.6%. Read the full article on Seeking Alpha
Analysis Article • Feb 10

Southside Bancshares' (NYSE:SBSI) Dividend Will Be $0.36

The board of Southside Bancshares, Inc. ( NYSE:SBSI ) has announced that it will pay a dividend of $0.36 per share on...
Seeking Alpha • Oct 27

Southside Bancshares: Earnings Outlook Remains Positive, Maintaining A Buy Rating

Summary Loan growth will likely recover after the third quarter’s poor performance. My optimism is based on the current condition of the local economy. Recent securities restructuring will lift the margin. However, interest rate cuts will pressure the margin. The December 2025 target price suggests an 11% price upside. SBSI is offering a sizable dividend yield of 4.5%. The implied payout ratio of 49% suggests that the dividend is secure. Read the full article on Seeking Alpha
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New Narrative • Sep 24

Decisive Shifts And Market Expansion Poised To Elevate Profitability And Revenue Streams

Initiatives to improve net interest margin and future earnings through reinvestment in higher-yielding securities and a strategic focus on cost containment and revenue growth.
Seeking Alpha • Aug 11

Southside Bancshares: Nothing To See Here

Summary Southside Bancshares is a financial institution with stagnant revenue and declining earnings over the past few years. Despite steady growth in deposits, the bank's balance sheet shows concerning trends like rising debt and declining cash, leading to flat net interest income. In terms of pricing and asset quality, the institution seems to be in the middle of the pack for the most part, meaning that it's not really that special. Read the full article on Seeking Alpha
Seeking Alpha • May 10

Southside Bancshares: High Dividend Yield And A Stable Earnings Outlook

Summary Loan growth will likely stop decelerating as the regional operating environment seems feasible for growth. The margin will likely remain stable amid a falling-rate environment. The December 2024 target price suggests a small upside. Further, SBSI is offering a dividend yield of 5.2%. Read the full article on Seeking Alpha

Earnings and Revenue Growth Forecasts

NYSE:SBSI - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/2027314103N/AN/A4
12/31/2026300101N/AN/A4
3/31/20262407197119N/A
12/31/2025234697394N/A
9/30/20252367091109N/A
6/30/2025255863957N/A
3/31/2025255885667N/A
12/31/20242558891102N/A
9/30/202424584-16N/A
6/30/2024240828997N/A
3/31/202423982107115N/A
12/31/2023242877380N/A
9/30/202325397149155N/A
6/30/2023260106149157N/A
3/31/2023256106156165N/A
12/31/2022250105217227N/A
9/30/2022249106226236N/A
6/30/2022251108195204N/A
3/31/2022245104170179N/A
12/31/2021256113148156N/A
9/30/2021256114161169N/A
6/30/2021253112145153N/A
3/31/2021252112147157N/A
12/31/2020217827991N/A
9/30/2020203705671N/A
6/30/2020193634763N/A
3/31/2020190604056N/A
12/31/201920775N/A81N/A
9/30/201920675N/A79N/A
6/30/201920575N/A87N/A
3/31/201920677N/A101N/A
12/31/201820474N/A122N/A
9/30/201820067N/A117N/A
6/30/201819261N/A114N/A
3/31/201818356N/A101N/A
12/31/201717754N/A92N/A
9/30/201717056N/A97N/A
6/30/201717154N/A100N/A
3/31/201716751N/A93N/A
12/31/201616949N/A87N/A
9/30/201617149N/A80N/A
6/30/201616848N/A80N/A
3/31/201616948N/A77N/A
12/31/201516444N/A73N/A
9/30/201515228N/A55N/A
6/30/201513723N/A47N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: SBSI's forecast earnings growth (19.2% per year) is above the savings rate (3.5%).

Earnings vs Market: SBSI's earnings (19.2% per year) are forecast to grow faster than the US market (18.5% per year).

High Growth Earnings: SBSI's earnings are forecast to grow, but not significantly.

Revenue vs Market: SBSI's revenue (14.3% per year) is forecast to grow faster than the US market (12.7% per year).

High Growth Revenue: SBSI's revenue (14.3% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if SBSI's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/16 21:25
End of Day Share Price 2026/06/16 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Southside Bancshares, Inc. is covered by 7 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Wood LayKeefe, Bruyette, & Woods
Stephen ScoutenPiper Sandler Companies
Michael RoseRaymond James & Associates