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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
04/01/2025: 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.
AI Based Fundamental Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -9.36% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 878.83M USD | Price to earnings Ratio 9.93 | 1Y Target Price 36.5 |
Price to earnings Ratio 9.93 | 1Y Target Price 36.5 | ||
Volume (30-day avg) 113057 | Beta 0.54 | 52 Weeks Range 24.48 - 37.18 | Updated Date 04/1/2025 |
52 Weeks Range 24.48 - 37.18 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 4.97% | Basic EPS (TTM) 2.91 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.77% | Operating Margin (TTM) 42.76% |
Management Effectiveness
Return on Assets (TTM) 1.05% | Return on Equity (TTM) 11.17% |
Valuation
Trailing PE 9.93 | Forward PE - | Enterprise Value 1448760192 | Price to Sales(TTM) 3.46 |
Enterprise Value 1448760192 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 7.19 | Enterprise Value to EBITDA - | Shares Outstanding 30409300 | Shares Floating 28638911 |
Shares Outstanding 30409300 | Shares Floating 28638911 | ||
Percent Insiders 5.39 | Percent Institutions 58.33 |
Analyst Ratings
Rating 3 | Target Price 38.67 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Southside Bancshares, Inc.
Company Overview
History and Background
Southside Bancshares, Inc. was founded in 1960 in Tyler, Texas. Initially a small community bank, it has grown through organic expansion and strategic acquisitions to become a prominent regional banking institution in Texas.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit services to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers a variety of personal banking products and services, such as checking and savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
Leadership and Structure
The leadership team includes Chad Brent Bates (President and CEO), Julie B. Shamburger (Executive Vice President and CFO), and numerous regional presidents and senior vice presidents. The organizational structure is hierarchical, with executive leadership overseeing various business lines and regional operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is difficult to obtain precisely, but Southside is a strong player in East Texas. Competitors include larger national banks (e.g., JPM, BAC) and other regional banks.
- Mortgage Loans: Offers residential mortgage loans. Market share varies by region. Competitors include national mortgage lenders and credit unions.
- Checking Accounts: Offers personal and commercial checking accounts. Competitors include regional and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increased regulation, rising interest rates, and growing competition from fintech companies. Consolidation is also a key trend.
Positioning
Southside Bancshares, Inc. positions itself as a community-focused bank with strong customer relationships and a commitment to local markets. Its competitive advantages include its deep understanding of the Texas market, its experienced management team, and its conservative lending practices.
Total Addressable Market (TAM)
The Texas banking market is substantial, estimated in the tens of billions of dollars. Southside is positioned to capture a portion of this market through its focus on community banking and commercial lending.
Upturn SWOT Analysis
Strengths
- Strong brand reputation in Texas
- Conservative lending practices
- Experienced management team
- Solid deposit base
- Strong Capital Ratios
Weaknesses
- Geographic concentration in Texas
- Limited international presence
- Smaller scale compared to national banks
- Reliance on traditional banking services
Opportunities
- Expansion into new Texas markets
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Strategic acquisitions of smaller banks
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn in Texas
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- CMA
- FCNCA
- BANF
Competitive Landscape
Southside Bancshares, Inc. competes with larger national banks and smaller regional banks. Its competitive advantages include its strong community relationships and its focus on the Texas market. It must be nimble to compete with the technological innovations from national lenders.
Major Acquisitions
First State Bank
- Year: 2018
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded Southside's presence in East Texas.
Growth Trajectory and Initiatives
Historical Growth: Southside Bancshares, Inc. has experienced steady growth through a combination of organic expansion and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in Texas and increased adoption of digital banking services. Growth is expected to be at or above GDP growth.
Recent Initiatives: Recent initiatives include investments in digital banking infrastructure and expansion into new markets in Texas.
Summary
Southside Bancshares is a financially stable company with strong roots in the Texas market, characterized by consistent profitability and a conservative management approach. The bank's geographic concentration and reliance on traditional banking services pose limitations. While continued expansion in Texas and the adoption of digital technologies present growth opportunities, it needs to be weary of increased competition from fintech firms and the impact of economic cycles.
Similar Companies
BANF
BancFirst Corporation
BANF
BancFirst Corporation
CMA
Comerica Inc
CMA
Comerica Inc
FCNCA
First Citizens BancShares Inc
FCNCA
First Citizens BancShares Inc
Sources and Disclaimers
Data Sources:
- Company filings (e.g., 10-K, 10-Q)
- Analyst reports
- Industry publications
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Data may be subject to change and should be independently verified. Market share data are 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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