Stocktoria
SOUTHSIDE BANCSHARES INC SBSI
SOUTHSIDE BANCSHARES INC (SBSI) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 4.16% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| SBSI | SOUTHSIDE BANCSHARES INC | 4/9 | — | 15.1 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About SOUTHSIDE BANCSHARES INC
Southside Bancshares, Inc. operates as the bank holding company for Southside Bank that provides various 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 offers consumer loan services, including 1-4 family residential, home equity, home improvement, automobile, 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 provides trust and wealth management services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; brokerage services; and safe deposit services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking products. The company offers various banking services through branches, drive-thru facilities, loan production offices, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
FAQ
Is SBSI financially healthy?
SOUTHSIDE BANCSHARES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does SBSI pay a dividend, and is it safe?
Yes. SOUTHSIDE BANCSHARES INC pays a dividend yielding about 4.16% with a 62.7% payout ratio, rated “stretched” for safety.
How profitable is SBSI?
In FY2025, SOUTHSIDE BANCSHARES INC had a return on equity of 8.2%.
Is SBSI overvalued or undervalued?
SOUTHSIDE BANCSHARES INC trades at about 14.3× trailing earnings — near its 10-year norm (10-year range 10.8×–19.0×, median 14.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for SBSI?
The average Wall-Street price target for SOUTHSIDE BANCSHARES INC is $37.00, about 12.7% above the recent price, from 3 analysts (consensus: hold).
Is SBSI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on SOUTHSIDE BANCSHARES INC: a Piotroski F-score of 4/9, a P/E of about 15.1×, a dividend yield of 4.16%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.