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Upturn AI SWOT - About
SBSI 
Southside Bancshares, Inc. (SBSI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
06/30/2025: SBSI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
4 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32
1 Year Target Price $32
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -0.4% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 889.20M USD | Price to earnings Ratio 10.11 | 1Y Target Price 32 |
Price to earnings Ratio 10.11 | 1Y Target Price 32 | ||
Volume (30-day avg) 4 | Beta 0.64 | 52 Weeks Range 25.10 - 36.71 | Updated Date 06/30/2025 |
52 Weeks Range 25.10 - 36.71 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 4.90% | Basic EPS (TTM) 2.91 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.73% | Operating Margin (TTM) 43.27% |
Management Effectiveness
Return on Assets (TTM) 1.06% | Return on Equity (TTM) 11.03% |
Valuation
Trailing PE 10.11 | Forward PE - | Enterprise Value 1331636992 | Price to Sales(TTM) 3.49 |
Enterprise Value 1331636992 | Price to Sales(TTM) 3.49 | ||
Enterprise Value to Revenue 6.75 | Enterprise Value to EBITDA - | Shares Outstanding 30214000 | Shares Floating 28463064 |
Shares Outstanding 30214000 | Shares Floating 28463064 | ||
Percent Insiders 5.48 | Percent Institutions 58.8 |
Analyst Ratings
Rating 2 | Target Price 32 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Southside Bancshares, Inc.
Company Overview
History and Background
Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas. It has grown organically and through acquisitions, expanding its footprint throughout Texas. Initially focused on East Texas, it has broadened its reach to other regions.
Core Business Areas
- Community Banking: Offers a range of banking services, including checking and savings accounts, loans, and other financial products to individuals and businesses.
- Wealth Management: Provides wealth management services such as financial planning, investment management, and trust services.
- Mortgage Lending: Originates and services mortgage loans.
Leadership and Structure
Southside Bancshares is led by a board of directors and an executive management team. The structure includes various departments responsible for different aspects of the business, such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes such as expansion, working capital, and equipment financing. Market share data is fragmented, competitors include larger national and regional banks. Revenue from commercial loans is a significant portion of total revenue but specific figure is not publicly available. Competitors include larger banks such as JPMorgan Chase (JPM), Bank of America (BAC).
- Residential Mortgages: Provides mortgage loans to individuals for home purchases and refinancing. Market share is smaller compared to larger mortgage lenders; however, is a competitive offering in the regional market. Revenue from mortgages contributes a sizeable portion to total revenue. Competitors include Wells Fargo (WFC), U.S. Bancorp (USB).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Deposit base supports loan growth and overall financial performance. Competitors include other regional banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increasing competition, regulatory pressures, and the rise of fintech companies. Interest rate fluctuations also significantly impact profitability.
Positioning
Southside Bancshares focuses on community banking and relationship building, providing personalized services to its customers. Its competitive advantages include local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services in Texas is substantial, estimated to be in the billions of dollars. Southside Bancshares is positioned to capture a portion of this market through its branch network and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Established customer relationships
- Sound financial performance
- Experienced management team
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on Texas economy
- Lower brand recognition outside of Texas
Opportunities
- Expansion into new markets within Texas
- Increased demand for wealth management services
- Growing economy in Texas
- Potential acquisitions of smaller banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Texas
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- CMA
- FCNCA
- PB
- BANF
- WTFC
Competitive Landscape
Southside Bancshares is competitive in its local markets but faces competition from larger national and regional banks. It differentiates itself through customer service and local expertise.
Major Acquisitions
First State Bank
- Year: 2019
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded its presence in the East Texas region and added new customers.
Texas Bank and Trust Company
- Year: 2014
- Acquisition Price (USD millions): 360
- Strategic Rationale: Expanded Southside's reach and strengthened its market position within Texas.
Growth Trajectory and Initiatives
Historical Growth: Southside Bancshares has experienced steady growth in assets, loans, and deposits over the past decade.
Future Projections: Analyst estimates suggest continued growth in revenue and earnings, driven by organic expansion and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in technology, expansion of wealth management services, and expansion of branch network.
Summary
Southside Bancshares demonstrates stability and a solid regional presence, benefiting from strong customer relationships and a sound financial base. Its limited geographic diversification and smaller scale are considerations, but expansion initiatives and investment in technology present growth opportunities. Facing competition and economic factors, SBSI balances organic development with strategic acquisitions to maintain its market position. Strong financials will allow it to maintain healthy growth for a long time.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is simulated and used for illustrative purposes.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Southside Bancshares, Inc.
Exchange NASDAQ | Headquaters Tyler, TX, United States | ||
IPO Launch date 1998-05-13 | CEO & Director Mr. Lee R. Gibson III, CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 778 | Website https://www.southside.com |
Full time employees 778 | Website https://www.southside.com | ||
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 wealth management and trust services comprising investment management, administration of irrevocable, revocable, and testamentary trusts, estate administration, and custodian services for individuals, partnerships, and corporations; safe deposit services; and brokerage services. In addition, the company offers retirement and employee benefit accounts consisting of plans and profit sharing plans; and telephone, internet, and mobile banking services. The company offers various banking services through branches, drive-thru facilities, automated teller machines, and interactive teller machines. Southside Bancshares, Inc. was founded in 1960 and is headquartered in Tyler, Texas.
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