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← CockpitCompetitor Analysis › SBSI Southside Bancshares, Inc.Open in the cockpit ↗

Southside Bancshares, Inc.SBSICompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 72
Mkt cap
$1.01B
US dollars, full cap
Free float
95%
of shares outstanding
$/day
$5.47M
20-day average traded
P/B
1.54×
price to book
ROE
11.8%
delivered
Implied ROE
10.1%
what the price asks
Next earnings
77 days
22 Jan 2027
Close · USD$34.08
1D-0.8%
1W+1.2%
1M+11.8%
3M+6.6%
6M+2.1%
YTD+12.1%
1Y+18.2%
ATR %3.0%
Beta0.45
52w lowhigh6.2% off high

What Southside Bancshares does

Employees: 781

Southside Bancshares at a glance

Size Southside Bancshares (SBSI) is a United States Financials company (Regional Banks) with a market value of $1.01B, the 2235th largest of 3,117 United States companies the cockpit tracks. Shares closed at $34.08 on 6 Nov 2026.

Performance Over six months the shares gained 2.1%, against +9.8% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd lowest of 20 in its peer set.

Growth Revenue grew 8.6% over the last twelve months (peer median +10.1%); the operating margin is 43.3% (peer median 36.5%).

Valuation It trades at 1.54× book value against a peer median of 1.17× (5th most expensive of 21).

Price implies The share price implies a return on equity of about 10.1%; Southside Bancshares delivers 11.8%, so the price asks less than the business earns today.

Short interest Short interest is 3.3% of the free float (15 Oct 2026).

Next results Next results expected around 22 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 111SBSI 104
Six months, rebased to 100: Southside Bancshares against the median of its 20 peers (local-currency closes).

Southside Bancshares financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$462M$419M$456M$396M$295M
Revenue growth—-8%+15%+34%—
Net income$99.0M$69.2M$88.5M$86.7M$105M
Free cash flow$155M$72.9M$89.3M$75.1M$216M
Capital expenditure$20.9M$23.5M$11.2M$6.90M$9.30M
Total debt$1.92B$734M$976M$893M$551M

Quarterly statements and history in the cockpit →

Southside Bancshares competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%+40%-20%0%+20%EQBKEGBNMCBSBFSTMBWMCPF6190CCNEAKTIA7322NBNUVSP284971848600NBBKSBSI6-month return →1-month return →
Up and to the right = strong over both horizons. Southside Bancshares is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×EQBKEGBNMCBSBFSTFRBTMBWMCPF6190CCNEHBNCHAFCAKTIA7322NBNFSBCUVSP71848600NBBKSBSIReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Southside Bancshares is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%20%10%20%EQBKEGBNMCBSBFSTMBWMCPF6190CCNEHBNCHAFCAKTIA7322NBN284971848600NBBKSBSIROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Southside Bancshares is the large dot.

Southside Bancshares competitors and peer comparison

How Southside Bancshares compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Southside Bancshares against its 20 peers (data as of 6 Nov 2026)
MeasureSBSIPeer medianRank in peer set
1-month return+11.8%+2.9%2nd highest of 21
6-month return+2.1%+9.8%3rd lowest of 20
Return on equity11.8%10.8%9th highest of 21
Price / book1.54×1.17×5th most expensive of 21
Trailing P/E10.3×11.7×5th cheapest of 21
ROE the price implies10.1%9.0%8th most demanding of 21
ROE delivered11.8%10.2%9th highest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Southside Bancshares SBSIUnited States$1.01B+2%+9%12%1.54×10.1%11.8%
Equity Bancshares EQBKUnited States$1.00B+7%+53%12%1.23×10.4%12.1%
Eagle Bancorp EGBNUnited States$1.03B+28%-11%5%0.89×9.0%4.7%
MetroCity Bankshares MCBSUnited States$1.04B+10%+25%17%1.78×12.2%16.9%
Business First Bancshares BFSTUnited States$1.04B+16%+7%10%1.02×8.6%10.1%
Forbright FRBTUnited States$1.04Bn/a+11%11%1.01×6.4%n/a
Mercantile Bank MBWMUnited States$1.05B+16%+5%14%1.41×11.5%13.6%
Central Pacific Financial CPFUnited States$974M+10%+4%15%1.68×13.2%14.9%
Bank of Jiujiang 6190.HKHong Kong$1.06B+55%-2%1%0.20×3.5%1.5%
CNB Financial CCNEUnited States$1.06B+15%+26%13%1.24×9.0%13.2%
Horizon Bancorp HBNCUnited States$1.07B+13%+424%16%1.52×12.0%15.7%
Hanmi Financial HAFCUnited States$964M+8%+3%11%1.19×9.4%11.4%
Aktia Bank AKTIA.HEFinland$963M+3%+1%2%1.32×7.6%1.8%
San ju San Financial 7322.TJapan$1.08B+1%+23%5%0.72×6.9%5.4%
Northeast Bank NBNUnited States$1.08B+1%+9%20%1.72×11.8%20.0%
Five Star Bancorp FSBCUnited States$1.08B+6%+18%15%1.75×10.4%14.8%
Univest Financial UVSPUnited States$1.10B+4%+2%10%1.16×9.1%10.0%
Entie Commercial Bank 2849.TWTaiwan$927M+14%+10%5%0.86×3.2%5.4%
First Bank of Toyama 7184.TJapan$1.12B+10%+14%10%0.90×7.9%10.2%
TOMONY 8600.TJapan$1.13B+6%+12%6%0.60×4.5%5.9%
NB Bancorp NBBKUnited States$902M+10%+36%8%1.13×6.8%8.4%

Questions

Which companies are Southside Bancshares's closest peers?
The cockpit's peer set: Equity Bancshares (EQBK), Eagle Bancorp (EGBN), MetroCity Bankshares (MCBS), Business First Bancshares (BFST), Forbright (FRBT), Mercantile Bank (MBWM), Central Pacific Financial (CPF), Bank of Jiujiang (6190.HK).
Is Southside Bancshares expensive compared with its peers?
On price / book it trades at 1.54× against a peer median of 1.17×, 5th most expensive of 21 in its peer set. The share price implies a return on equity of about 10.1%; Southside Bancshares delivers 11.8%, so the price asks less than the business earns today.
How has Southside Bancshares stock performed?
Over six months to 6 Nov 2026 the shares returned +2.1% against +9.8% for the median peer; over one year +18.2%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.