Southside Bancshares Inc. (SBSI) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-02, Southside Bancshares Inc. (NYSE: SBSI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $33.66 (+1.11% 1D, market cap $992.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBSI ranks #314 in composite RQD confidence.
Within the Financials sector (Major Banks), SBSI carries a Roarable C (64/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 8.2%. By comparison, CAC (Camden National Corporation) holds a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).
Per SBSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000705432), Southside Bancshares Inc. generated $0 in revenue, $69.2M in net income, and $73.5M in free cash flow against $8.51B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Macro rate sensitivity & RSI-14 (69.5) create a -9 pt regime headwind
Even with a 64/100 (C) score, SBSI faces multiple-compression risk if 14.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.39) or 200D SMA ($32.41) invalidates the momentum regime and cuts Target Base ($34.57) toward Bear Floor ($26.96).
Southside Bancshares Inc. (SBSI) advanced +1.11% to $33.66, trading at 70% of its 52-week range ($27.59 – $36.2). Solid steady margins (8% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
SBSI, PFBC and STNG made it to the Zacks Rank #1 (Strong Buy) income stocks list on November 2, 2026.
Southside Bancshares reported third quarter 2026 net interest income of US$60.3 million and net income of US$27.98 million, with basic earnings per share from continuing operations at US$0.94. The bank’s nine month 2026
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SBSI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SBSI. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Southside Bancshares Inc. (SBSI) ranks #314 by composite RQD confidence (64/100, grade C) and #557 by equity capitalization ($992.3M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. HAFC currently holds the highest overall quantitative score in the immediate peer group at 76/100 (B+) compared with SBSI at 64/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SBSI
ACTIVE
Southside Bancshares Inc. | C | 64/100 | 14.3x | — | 8.2% | +1.11% | $992.3M | Benchmark Subject |
| CAC Camden National Corporation | C+ | 68/100 | 15.2x | — | 9.4% | -2.05% | $989.2M | /cac-vs-sbsi → |
| CPF Central Pacific Financial Corp | B | 74/100 | 12.7x | — | 13.1% | -1.83% | $984.4M | /cpf-vs-sbsi → |
| HAFC Hanmi Financial Corporation | B+ | 76/100 | 12.9x | — | 7.5% | -1.75% | $982.3M | /hafc-vs-sbsi → |
| EQBK Equity Bancshares Inc. (Class A) | C- | 59/100 | 44.5x | — | 3.1% | -0.88% | $1.01B | /eqbk-vs-sbsi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Southside Bancshares Inc. (SBSI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $69.2M, operating cash flow of $93.8M, and free cash flow of $73.5M (-19.0% YoY). On the balance sheet, SBSI closed FY2025 with $8.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $69.2M | $93.8M | $73.5M | $8.51B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $88.5M | $101.8M | $90.7M | $8.52B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $86.7M | $79.9M | $79.9M | — | — |
As of 2026-11-02, Southside Bancshares Inc. (NYSE: SBSI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $33.66 (+1.11% 1D, market cap $992.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBSI ranks #314 in composite RQD confidence.
Within the Financials sector (Major Banks), SBSI carries a Roarable C (64/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 8.2%. By comparison, CAC (Camden National Corporation) holds a C+ grade (68/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M) and CPF (Central Pacific Financial Corp) posts a B grade (74/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).
Per SBSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000705432), Southside Bancshares Inc. generated $0 in revenue, $69.2M in net income, and $73.5M in free cash flow against $8.51B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
SBSI last traded at $33.66 (+1.11% on volume of 234,563 shares), positioning the stock +7.23% above its 50-day simple moving average ($31.39) and +3.86% above its 200-day simple moving average ($32.41). Across its 52-week range of $27.59 to $36.20, SBSI sits at the 70.5% percentile with a 14-day RSI of 69.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.6% ($32.11 to $35.21).
Why SBSI Stock advanced +1.11% Today — RQD Quant Desk Flash. Solid steady margins (8% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
The Roarable RQD Score is 64 (letter grade C; verdict label "Roarable Hold — Fair / Balanced Risk-Reward") per the Roarable RQD rating. Across the five pillars:
Taken together, the rating frames SBSI as a balanced setup: insider flow and cash metrics offer support, while macro fit and forensic scores cap the grade. The upside case rests on sustained cash generation and insider conviction; the valuation tradeoff is that a 14.3 trailing P/E sits against a 64 composite that does not signal exceptional quality. This is an analytical framing, not personalized advice.
Southside Bancshares Inc. is a NYSE-listed issuer in the Financials sector, Major Banks industry, per the company profile. Per the company profile, the market capitalization is $1.0B. The source data does not describe specific products, customer segments, or revenue model beyond sector and industry classification. Not available in source data for further business detail.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $69.2M | N/A | $73.5M | $389.8M | N/A |
| FY 2024 | $0.0M | $0.0M | $88.5M | N/A | $90.7M | $426.2M | N/A |
| FY 2023 | $0.0M | $0.0M | $86.7M | N/A | $79.9M | N/A | N/A |
Per the SEC financials, net income declined from $88.5M in FY 2024 to $69.2M in FY 2025, while FCF moved from $90.7M to $73.5M. Per the market data, gross, operating, and net margins are each reported as 0%, which the source data does not treat as meaningful for a bank and should be read with caution. Per the Roarable RQD rating, ROIC is 8.2%, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5. Cash reported for FY 2025 is $389.8M, down from $426.2M in FY 2024.
Per the recent news and catalysts section, the feed contains six items, all tagged to SBSI:
Per the butterfly supply-chain graph, the sector is Financials, the industry is Major Banks, supply chain is NONE, and there are no butterfly links or proprietary signals.
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no upstream or downstream links and no proprietary signals. The source data therefore does not establish specific supplier, customer, or sector-correlation dependencies. For a prospective investor, the relevant second-order watch item comes from the news feed rather than the graph: the margin-pressure headline suggests net interest margin is the transmission channel to monitor. Not available in source data for quantified sector correlation.
Real-time company headlines, analyst actions, and sector developments for Southside Bancshares Inc. (SBSI) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
The Globe and Mail report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
GuruFocus report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
www.marketscreener.com report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Benzinga report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.
Welcome to the SBSI (Southside Bancshares Inc.) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on SBSI, but look at what you are paying: 14.3x trailing P/E with tightening sector spreads. Unless Southside Bancshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on SBSI, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $33.29 (52-wk range $27.59 - $36.20), any beat on forward guidance forces shorts and underweight funds to chase.
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