US · SBSI
Southside Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Tyler, TX 75701
- Website
- southside.com
Price · as of 2025-12-31
$34.35
Market cap 941.67M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $48.66 | +41.66% |
| Intrinsic Value(DCF) | $90.85 | +164.48% |
| Graham-Dodd Method(GD) | $265.75 | +673.66% |
| Graham Formula(GF) | $0.66 | -98.08% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $9.93 | $16.26 | $9.57 | $9.87 | $0.00 |
| 2012 | $10.93 | $24.24 | $6.04 | $5.69 | $3.54 |
| 2013 | $17.51 | $30.32 | $10.96 | $9.53 | $13.93 |
| 2014 | $18.28 | $16.77 | $14.65 | $7.85 | $3.97 |
| 2015 | $17.56 | $21.04 | $10.44 | $7.20 | $57.52 |
| 2016 | $22.97 | $46.67 | $32.30 | $10.42 | $29.26 |
| 2017 | $25.74 | $33.10 | $24.76 | $11.44 | $28.38 |
| 2018 | $25.24 | $39.50 | $22.88 | $7.76 | $61.07 |
| 2019 | $24.83 | $32.77 | $35.70 | $10.03 | $28.53 |
| 2020 | $33.30 | $28.85 | $40.64 | $13.16 | $19.64 |
| 2021 | $35.20 | $22.25 | $54.63 | $18.72 | $8.99 |
| 2022 | $30.13 | $32.98 | $26.00 | $12.33 | $60.36 |
| 2023 | $26.24 | $34.56 | $24.93 | $11.46 | $116.40 |
| 2024 | $28.24 | $26.38 | $26.04 | $13.17 | $66.24 |
| 2025 | $31.76 | $48.66 | $122.86 | $265.75 | $0.66 |
AI valuation
Our deep-learning model estimates Southside Bancshares, Inc.'s (SBSI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $48.66
- Current price
- $34.35
- AI upside
- +41.66%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$90.85
+164.48% upside
Graham-Dodd
$265.75
+673.66% upside
Graham Formula
$0.66
-98.08% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| SBSI | Southside Bancshares, Inc… | $34.35 | 941.67M | +42% | +164% | +674% | -98% | 13.83 | 0.11 | 2.28 | -7.02 | — | 0.12 | 55.84% | 19.72% | 16.52% | 1.48% | 1.90% | 0.56% | 0.00 | 0.45 | — | — | -0.98 | -2158.00% | -812.00% | -6832.00% | 3.00% | — | 0.79% | 4.53% | 62.70% | 78.45% | -7.02 | -20.19 | -1.38 | 0.23 |
| AMAL | Amalgamated Financial Cor… | $38.49 | 1.15B | +2% | +44% | -14% | +93% | 8.32 | 1.25 | 2.03 | -3.12 | 41.01 | 1.28 | 70.33% | 33.38% | 24.45% | 16.46% | -16.33% | 1.31% | 0.47 | 1.22 | 0.24 | 0.24 | 1.81 | 2028.00% | 1382.00% | 565.00% | 13.82% | 0.02 | -18.80% | 1.61% | 13.40% | 1.75% | -3.24 | -3.85 | -1.08 | -0.53 |
| BHRB | Burke & Herbert Financial… | $64.44 | 968.44M | -46% | +962% | +44% | +271% | 8.45 | 1.16 | 2.02 | -0.97 | 3.65 | 1.27 | 69.33% | 29.51% | 23.89% | 14.81% | 50.78% | 1.49% | 0.63 | 0.97 | 3.79 | 3.79 | 3.34 | 23120.00% | 2373.00% | -2298.00% | 6.31% | 0.14 | 27.08% | 0.00% | 0.00% | 0.00% | -0.97 | -2.26 | -0.29 | 0.49 |
| CFFN | Capitol Federal Financial… | $7.18 | 943.73M | +263% | -41% | -23% | +29% | 12.53 | 0.81 | 2.04 | 18.55 | 15.80 | 0.82 | 47.30% | 19.89% | 16.30% | 6.54% | 3.39% | 0.70% | 1.86 | 0.38 | 1.27 | 0.17 | 18.72 | 7931.00% | 1003.00% | 10766.00% | 5.85% | 0.01 | 2.48% | 5.19% | 65.10% | 36.60% | 20.28 | 33.78 | 4.03 | 0.33 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| FMBH | First Mid Bancshares, Inc… | $41.01 | 983.97M | -29% | -6% | -17% | +14% | 10.80 | 1.03 | 2.13 | 1.72 | 67.24 | 1.40 | 72.80% | 25.12% | 19.69% | 10.17% | 45.82% | 1.18% | 0.57 | 1.00 | 0.28 | 0.28 | 2.53 | 1606.00% | 419.00% | -4701.00% | 6.39% | 0.01 | 31.62% | 2.36% | 25.50% | 17.74% | 1.72 | 3.18 | 0.43 | -0.33 |
| FSUN | FirstSun Capital Bancorp | $36.47 | 1.02B | +20% | +24% | +33% | +44% | 14.20 | 1.03 | 1.99 | 5.40 | — | 1.25 | 64.79% | 17.61% | 14.00% | 7.88% | 16.21% | 0.95% | 0.11 | 0.58 | 0.10 | 0.10 | -4.76 | -3407.00% | 1131.00% | -2084.00% | 8.91% | 0.02 | 20.52% | 0.00% | 0.00% | 50.05% | 5.98 | 5.94 | 1.05 | -0.61 |
| HAFC | Hanmi Financial Corporati… | $26.11 | 782.13M | -21% | -14% | -13% | +13% | 10.34 | 0.99 | 1.77 | -0.24 | 46.09 | 1.00 | 57.46% | 24.27% | 17.11% | 9.96% | -149.34% | 0.98% | 0.35 | 0.62 | 3.58 | 3.58 | 0.63 | 2244.00% | 355.00% | 30138.00% | 26.18% | 0.10 | -404.33% | 4.15% | 42.90% | 7.97% | -0.24 | -0.13 | -0.06 | 1.08 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
| UVSP | Univest Financial Corpora… | $33.55 | 955.36M | -48% | -10% | -13% | +9% | 10.79 | 1.04 | 1.89 | 11.35 | 48.00 | 1.29 | 61.04% | 21.87% | 17.51% | 9.92% | 7.92% | 1.10% | 0.40 | 0.60 | 0.40 | 0.00 | 3.17 | 2248.00% | 358.00% | 3462.00% | 9.90% | 0.07 | 8.46% | 2.59% | 27.90% | 6.12% | 11.99 | 14.03 | 2.62 | 0.16 |
About Southside Bancshares, Inc.
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 loans, 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 offers wealth management and trust services consisting of investment management, administration, revocable and testamentary trusts, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. As of December 31, 2021, the company operated through 56 banking facilities and 73 ATMs/ITMs. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
- CEO
- Keith Donahoe
- Employees
- 778
- Beta
- 0.62
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($90.85 ÷ $34.35) − 1 = +164.48% (DCF, example).