# Southside Bancshares Inc. (SBSI) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $32.83, market value $979 million.

## Valuation
- **P/E (trailing): 12.9×** (5-yr avg 10.5×, 3-yr avg 11.0×). Southside Bancshares Inc. trades at 12.9× trailing earnings, well above its own five-year average of 10.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.1×, lower than trailing, so analysts expect earnings to grow.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.9%** (5-yr avg 12.4%). Free cash flow equals 12.9% of the market value, in line with its five-year average of 12.4%. Above 5% is generally attractive.
- **Earnings yield: 7.8%**. The inverse of the P/E: 7.8% of the price is earned each year.

## Profitability
- **Return on equity: 8.2%**. 8.2% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): -21.3%** (3-yr -11.1%/yr, 5-yr -1.5%/yr). Earnings per share fell 21.3%.
- **Free-cash-flow growth (3 yr): -30.3%/yr**. Free cash flow has compounded at -30.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $390 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.51%** ($1.44 per share, trailing). Southside Bancshares Inc. yields 4.51%, an income-level yield.
- **Payout ratio: 63%** (34% of free cash flow). 63% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 12**. 12 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 2.1%/yr** (1-yr 0.0%). The dividend has grown 2.1% a year over five years.

## Price and momentum
- **Total return (1 yr): 8.4%** (YTD 10.5%, 3-mo -1.0%). The shares are up 8.4% over twelve months including dividends.
- **From 52-week high: -9.3%** (24.7% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 55**. An RSI of 55 is neutral.
- **Beta (1 yr): 0.60** (volatility 24%). Beta of 0.60 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SBSI · Page: https://foliofundamentals.com/stocks/sbsi

Not investment advice.