SBSI
Financial ServicesSouthside Bancshares, Inc. · Banks - Regional · $970M
What is Southside Bancshares, Inc.?
Southside Bancshares is the holding company for Southside Bank, a community-focused institution serving individuals, businesses, municipalities, and nonprofits across East Texas. The bank has operated in the region since 1960 and is headquartered in Tyler, Texas.
Southside Bank generates revenue primarily through traditional banking activities — taking deposits and making loans. Its loan book spans consumer lending, commercial real estate, construction, and municipal loans. The bank also offers wealth management, trust services, and brokerage products, giving it modest fee-income diversification beyond net interest income.
Southside Bancshares, Inc. was incorporated in 1998 and is headquartered in Tyler, Texas.
- Consumer and residential mortgage loans
- Commercial and municipal lending
- Wealth management and trust services
- Deposit accounts and certificates of deposit
Is SBSI a Good Stock to Buy?
UQS Score rates SBSI as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot, suggesting the bank maintains reasonable operational discipline. Valuation is rated Attractive, meaning the stock may be priced modestly relative to its fundamentals — a potential point of interest for value-oriented investors.
Moat, Growth, and Risk are all rated Weak, pointing to limited competitive differentiation, constrained expansion prospects, and elevated risk factors that weigh on the overall score.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does SBSI pay dividends?
Yes — Southside Bancshares, Inc. pays a dividend.
Southside Bancshares pays a regular dividend, consistent with its profile as a mature community bank. Management has historically prioritized returning capital to shareholders rather than aggressive reinvestment. Income-focused investors often find community bank dividends appealing, though the sustainability of any payout depends on ongoing earnings performance.
When does SBSI report earnings?
Southside Bancshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's results are shaped by net interest margin trends, loan growth, and credit quality — all of which have faced pressure in the current rate environment. Growth and Risk pillar ratings suggest recent performance has been below the level needed to move the overall UQS Score higher.
For the most recent quarter's results, visit Southside Bancshares' investor relations page directly.
SBSI Price History
-6.1% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Southside Bancshares, Inc.?
Based on Southside Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
SBSI Long-term Outlook
The Growth pillar rating of Weak signals limited near-term expansion momentum for SBSI. Community banks of this size often face headwinds from margin compression and competition from larger regional institutions. The Attractive Valuation rating, however, suggests the market may already be pricing in these challenges, which could limit downside for patient investors.
Growth drivers
- Potential benefit from stabilizing interest rates improving net interest margin
- Wealth management and fee-based services as a supplemental revenue stream
- Deepening relationships within established East Texas markets
Key risks
- Weak Moat rating indicates limited pricing power versus larger competitors
- Weak Risk pillar points to credit quality or capital concerns worth monitoring
- Constrained loan growth in a competitive regional banking environment
SBSI vs Peers
SBSI operates in the community banking space alongside several similarly sized regional peers.
Northeast Bank focuses on loan purchases and a national deposit strategy, giving it a different growth model than Southside's locally rooted community banking approach.
Burke & Herbert is one of Virginia's oldest community banks, competing on deep local relationships and a conservative balance sheet similar in spirit to Southside's Texas franchise.
Esquire Financial targets niche markets including legal and payments industries, differentiating itself from Southside's broader consumer and commercial community banking focus.
Frequently Asked Questions
What does Southside Bancshares do?
Southside Bancshares is the holding company for Southside Bank, which provides deposit accounts, consumer and commercial loans, municipal lending, and wealth management services. The bank operates primarily in East Texas through dozens of banking facilities and ATMs.
Does SBSI pay dividends?
Yes, Southside Bancshares pays a regular dividend. The company has a history of returning capital to shareholders, which is common among established community bank holding companies. Investors should review current payout details on the company's investor relations page.
When does SBSI report earnings?
Southside Bancshares reports on a quarterly cadence, as is standard for US-listed bank holding companies. For exact upcoming report dates, check the company's investor relations page or a financial calendar service.
Is SBSI a good stock to buy?
UQS Score rates SBSI as Below Average overall. While the Quality pillar is rated Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all rated Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals — view the full breakdown with a Pro account.
Is SBSI overvalued?
The UQS Valuation pillar for SBSI is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals at current levels. This may reflect the market already pricing in the bank's weaker growth and moat profile.
How does SBSI compare to its competitors?
Compared to peers like Northeast Bank, Burke & Herbert, and Esquire Financial, SBSI is a traditional community bank with a locally concentrated East Texas footprint. Its differentiation lies in long-standing regional relationships rather than niche strategies or national reach.
What is SBSI's market cap bracket?
Southside Bancshares is classified as a small-cap stock. This places it in a segment of the market that can offer value opportunities but also carries liquidity and growth constraints relative to larger regional or national banks.
Who founded Southside Bancshares?
Southside Bank itself was founded in 1960 in Tyler, Texas. The holding company structure, Southside Bancshares, Inc., was established in 1998. Detailed founding history is available through the company's official website and public filings.
Is SBSI a long-term quality investment?
As a long-term quality indicator, SBSI's UQS Score of Below Average reflects concerns in Moat, Growth, and Risk that could limit compounding potential over time. The Good Quality rating offers some reassurance, but long-term investors should weigh these factors carefully using the full pillar analysis.
What is the main competitive advantage of Southside Bancshares?
Southside Bank's primary advantage is its deep-rooted presence in East Texas communities, built over more than six decades. However, the UQS Moat pillar is rated Weak, indicating this regional familiarity has not translated into a strong, durable competitive edge by quantitative measures.
Unlock Full SBSI Analysis
Sign in to unlock the detailed analysis behind the UQS Score.
- ✓View the exact UQS pillar scores across Quality, Moat, Growth, Risk, and Valuation
- ✓Access full financial metrics and trend data for Southside Bancshares
- ✓Compare SBSI side-by-side with community bank peers on every pillar
- ✓Screen for small-cap bank stocks with stronger moat or growth profiles
- ✓Get the complete analyst view available exclusively to Pro members
Pro Analysis
SBSI — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 42.1 | 63.1 | 18.0 | 27.7 | 20.3 | 88.3 | -0.8 |
| May 7, 2026 | 42.9 | 62.0 | 18.0 | 27.7 | 24.2 | 91.7 | 0.0 |
| May 3, 2026 | 42.9 | 62.0 | 18.0 | 27.7 | 24.2 | 91.5 | 0.0 |
| Apr 26, 2026 | 42.9 | 62.0 | 18.0 | 27.7 | 24.2 | 91.7 | 0.0 |
| Apr 18, 2026 | 42.9 | 62.0 | 18.0 | 27.7 | 24.2 | 91.5 | -0.9 |
| Apr 12, 2026 | 43.8 | 62.0 | 18.0 | 27.7 | 24.2 | 97.5 | 0.0 |
| Apr 4, 2026 | 43.8 | 62.0 | 18.0 | 27.7 | 24.2 | 97.9 | 0.0 |
| Apr 2, 2026 | 43.8 | 61.9 | 18.0 | 27.7 | 24.2 | 97.9 | — |
SBSI — Pillar Breakdown
Quality
— 63.1/100 (25%)Southside Bancshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 27.7/100 (20%)Southside Bancshares, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 20.3/100 (15%)Southside Bancshares, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 88.0/100 (15%)Southside Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 18/100 (25%)Southside Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SBSI.
Score Composition
Financial Data
More Stock Analysis
How is the SBSI UQS Score Calculated?
The UQS (Unified Quality Score) for Southside Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Southside Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Southside Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.