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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
08/14/2025: 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
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34
1 Year Target Price $34
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.69% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 904.81M USD | Price to earnings Ratio 10.7 | 1Y Target Price 34 |
Price to earnings Ratio 10.7 | 1Y Target Price 34 | ||
Volume (30-day avg) 4 | Beta 0.65 | 52 Weeks Range 25.53 - 36.71 | Updated Date 08/15/2025 |
52 Weeks Range 25.53 - 36.71 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 4.71% | Basic EPS (TTM) 2.81 |
Earnings Date
Report Date 2025-07-23 | When Before Market | Estimate 0.7 | Actual 0.7764 |
Profitability
Profit Margin 33.59% | Operating Margin (TTM) 42.08% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 10.65% |
Valuation
Trailing PE 10.7 | Forward PE - | Enterprise Value 1317681664 | Price to Sales(TTM) 3.55 |
Enterprise Value 1317681664 | Price to Sales(TTM) 3.55 | ||
Enterprise Value to Revenue 6.53 | Enterprise Value to EBITDA - | Shares Outstanding 30080100 | Shares Floating 28329747 |
Shares Outstanding 30080100 | Shares Floating 28329747 | ||
Percent Insiders 5.5 | Percent Institutions 58.67 |
Upturn AI SWOT
Southside Bancshares, Inc.
Company Overview
History and Background
Southside Bancshares, Inc. was founded in 1960 in Tyler, Texas. It has grown through organic expansion and strategic acquisitions, becoming a leading community bank in East Texas.
Core Business Areas
- Commercial Banking: Provides a range of lending products, including commercial real estate, business, and agricultural loans, as well as deposit accounts, cash management services, and other financial solutions for businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgage loans, consumer loans, and credit cards to individuals and families.
- Wealth Management: Provides wealth management, trust, and investment services to individuals and institutions.
Leadership and Structure
The leadership team includes Chad R. Brenton (President & CEO) and Lee R. Gibson (Executive Vice President & CFO). The organizational structure is typical of a regional bank holding company.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver, offering financing to businesses for various purposes. Market share data is not readily available, but competitors include other regional and national banks. Competitors are Texas Capital Bancshares (TCBI) and Prosperity Bancshares (PB).
- Mortgage Loans: Mortgage loans cater to individuals seeking to purchase or refinance homes. Competitors include national mortgage lenders and other regional banks. Market share data is not readily available, but contributes to revenue generation. Competitors are JPMorgan Chase and Bank of America.
- Deposit Accounts: Deposit accounts include checking, savings, and money market accounts, forming a stable base for the bank's funding. Market share data is not readily available, but essential for operations. Competitors are Wells Fargo and Citibank.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Consolidation is also a prevailing trend.
Positioning
Southside Bancshares, Inc. positions itself as a community-focused bank with strong relationships and local expertise, differentiating itself from larger national banks.
Total Addressable Market (TAM)
The TAM is the total banking market in East Texas and surrounding areas. Southside Bancshares, Inc. is positioned to capture a portion of this TAM through its community focus and competitive products.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Solid financial performance
- Strong customer relationships
Weaknesses
- Limited geographic diversification
- Reliance on local economy
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Acquisitions of other banks
- Increased demand for financial services
- Growth in wealth management services
Threats
- Increased competition
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- TCBI
- PB
- BOH
Competitive Landscape
Southside Bancshares, Inc. competes with larger regional and national banks, as well as community banks. Its competitive advantage lies in its local focus and strong customer relationships.
Major Acquisitions
First State Bank
- Year: 2019
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded Southside's presence in the Central Texas market.
Growth Trajectory and Initiatives
Historical Growth: Southside Bancshares, Inc. has experienced steady growth through organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and fee income.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets within Texas.
Summary
Southside Bancshares is a stable community bank with a strong local presence and consistent financial performance. While it faces competition from larger institutions and potential economic headwinds, its community focus and experienced management provide a solid foundation for future growth. Expansion opportunities and technological investments are key for maintaining competitiveness. Monitoring regulatory changes and economic conditions is crucial for managing potential threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings (10-K, 10-Q)
- Investor relations materials
- Analyst reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market conditions and company performance are subject to change.
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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