Southside Bancshares Inc. Common Stock (SBSI)

FairStock Score: 35/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Southside first as a deposit franchise, not a technology story. With 781 employees, it serves individuals, businesses, municipalities and nonprofits, and its economics depend on spread lending and credit discipline. The moat is modest: local relationships and deposit stickiness help, but banking is competitive and the data do not give me CET1, net interest margin, or combined ratio, so I cannot fully judge capital, spread, or underwriting risk. Profitability has been uneven. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $26.8M and diluted EPS was $0.90, versus $21.8M and $0.72 in fiscal Q2 2025. Fiscal Q1 2026 produced $23.3M and $0.78. But fiscal Q3 2025 was only $4.9M and $0.16, and full-year fiscal 2025 net income was $69.2M and EPS $2.29, down from $88.5M and $2.91 in fiscal 2024. FairStock's rules call it a SLOW GROWER — Shrinking, with profit down 3.4% a year over five years. At the 2026-10-13 close of $30.38, FairStock calculates a P/E of 11.96 and P/B of 1.03; ROE is 8.99%, dividend yield 4.87%, beta 0.60, Piotroski 5/9, PEG 0.52, and FairStock Score 35/100. The P/B near 1 and high yield offer some valuation support, but an 8.99% ROE is not a high-quality bank return. I would want evidence that the recent rebound is durable and that credit costs and capital are sound before calling this a bargain.

In plain English: Southside Bancshares is a small regional bank holding company that takes deposits and makes loans to individuals, businesses, and local groups. Its profits have been uneven: fiscal 2025 was weaker than fiscal 2024, but the first half of fiscal 2026 was much better, and it pays a high dividend. At $30.38, the stock looks roughly in line with the value of its net assets and not obviously expensive, but the bank's returns on shareholder money are only modest, so the price looks fair rather than clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer