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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
10/15/2025: 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 $32.67
1 Year Target Price $32.67
| 0 | Strong Buy |
| 0 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.89% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 816.98M USD | Price to earnings Ratio 9.67 | 1Y Target Price 32.67 |
Price to earnings Ratio 9.67 | 1Y Target Price 32.67 | ||
Volume (30-day avg) 4 | Beta 0.62 | 52 Weeks Range 25.22 - 36.27 | Updated Date 10/17/2025 |
52 Weeks Range 25.22 - 36.27 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 5.45% | Basic EPS (TTM) 2.81 |
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.72 | Actual - |
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 9.67 | Forward PE - | Enterprise Value 1214807680 | Price to Sales(TTM) 3.2 |
Enterprise Value 1214807680 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 6.21 | Enterprise Value to EBITDA - | Shares Outstanding 30080108 | Shares Floating 28327641 |
Shares Outstanding 30080108 | Shares Floating 28327641 | ||
Percent Insiders 5.49 | Percent Institutions 58.58 |
Upturn AI SWOT
Southside Bancshares, Inc.
Company Overview
History and Background
Southside Bancshares, Inc. was founded in 1960 in Tyler, Texas. It has grown organically and through acquisitions to become a leading community bank in East Texas. The bank focuses on providing relationship-based banking services.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending and deposit products to businesses of all sizes.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals and families.
- Wealth Management: Offers investment advisory and trust services to individuals and institutions.
Leadership and Structure
Lee R. Gibson is the Chairman, President, and CEO. The organizational structure is typical for a regional bank, with various departments reporting to senior management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Market share data is not publicly available at a granular level. Competitors include other regional and national banks. Revenue for Commercial Loans is not publicly available.
- Residential Mortgages: Home loans for individuals. Market share data is not publicly available at a granular level. Competitors include other regional and national mortgage lenders. Revenue for Residential Mortgages is not publicly available.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available at a granular level. Competitors include other regional and national banks. Revenue for Deposit Accounts is not publicly available.
Market Dynamics
Industry Overview
The banking industry is facing increased competition, regulatory scrutiny, and technological disruption. Interest rate environment is also key.
Positioning
Southside Bancshares, Inc. is a well-established community bank with a strong presence in East Texas. Its focus on relationship banking provides a competitive advantage.
Total Addressable Market (TAM)
The TAM consists of all banking customers in East Texas. Southside Bancshares, Inc. holds a significant share of this market, and is positioned to grow.
Upturn SWOT Analysis
Strengths
- Strong regional presence in East Texas
- Focus on relationship banking
- Experienced management team
- Solid financial performance
- Strong Capital Base
Weaknesses
- Limited geographic diversification
- Reliance on traditional banking services
- Potential impact of interest rate changes
- Smaller Market Cap compared to larger regional banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions of other banks or fintech companies
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- HBAN
- TCBI
- FCNCA
Competitive Landscape
Southside Bancshares, Inc. competes with larger regional and national banks, as well as smaller community banks. Its strengths lie in its strong regional presence and relationship banking approach.
Major Acquisitions
Texas Heritage Bancshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded Southside's footprint in the attractive and growing central Texas market
Growth Trajectory and Initiatives
Historical Growth: Southside Bancshares, Inc. has experienced steady growth over the past several years, driven by organic growth and acquisitions.
Future Projections: Analyst estimates suggest continued growth for Southside Bancshares, Inc., although projections are subject to change.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Southside Bancshares is a stable regional bank focused on community relationships in Texas. It has consistent growth and a good history of dividends. Challenges include rising interest rates and increased competition from larger banks. A possible expansion of digital offerings and strategic acquisitions are positive initiatives.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Southside Bancshares, Inc. Investor Relations
- SEC Filings
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimates.
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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