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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 0.08
SBSI's Cash to Debt is ranked lower than
94% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. SBSI: 0.08 )
Ranked among companies with meaningful Cash to Debt only.
SBSI' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.10 Max: N/A
Current: 0.08
Equity to Asset 0.09
SBSI's Equity to Asset is ranked lower than
59% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. SBSI: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
SBSI' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.06 Max: 0.09
Current: 0.09
0.04
0.09
Interest Coverage 1.10
SBSI's Interest Coverage is ranked lower than
60% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. SBSI: 1.10 )
Ranked among companies with meaningful Interest Coverage only.
SBSI' s 10-Year Interest Coverage Range
Min: 0.27  Med: 0.54 Max: 2.58
Current: 1.1
0.27
2.58
F-Score: 5
WACC vs ROIC
5.12%
2.20%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 15.00
SBSI's Operating margin (%) is ranked lower than
80% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. SBSI: 15.00 )
Ranked among companies with meaningful Operating margin (%) only.
SBSI' s 10-Year Operating margin (%) Range
Min: -258.94  Med: 29.48 Max: 48.31
Current: 15
-258.94
48.31
Net-margin (%) 15.19
SBSI's Net-margin (%) is ranked lower than
72% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. SBSI: 15.19 )
Ranked among companies with meaningful Net-margin (%) only.
SBSI' s 10-Year Net-margin (%) Range
Min: 15.87  Med: 25.37 Max: 108.58
Current: 15.19
15.87
108.58
ROE (%) 6.08
SBSI's ROE (%) is ranked lower than
67% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. SBSI: 6.08 )
Ranked among companies with meaningful ROE (%) only.
SBSI' s 10-Year ROE (%) Range
Min: 6.08  Med: 15.70 Max: 24.5
Current: 6.08
6.08
24.5
ROA (%) 0.53
SBSI's ROA (%) is ranked lower than
70% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. SBSI: 0.53 )
Ranked among companies with meaningful ROA (%) only.
SBSI' s 10-Year ROA (%) Range
Min: 0.5  Med: 0.97 Max: 1.55
Current: 0.53
0.5
1.55
Revenue Growth (3Y)(%) -5.40
SBSI's Revenue Growth (3Y)(%) is ranked lower than
79% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. SBSI: -5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SBSI' s 10-Year Revenue Growth (3Y)(%) Range
Min: -5.4  Med: 9.90 Max: 96.9
Current: -5.4
-5.4
96.9
EBITDA Growth (3Y)(%) -26.20
SBSI's EBITDA Growth (3Y)(%) is ranked lower than
92% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SBSI: -26.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.2  Med: 6.25 Max: 24.9
Current: -26.2
-26.2
24.9
EPS Growth (3Y)(%) -19.00
SBSI's EPS Growth (3Y)(%) is ranked lower than
89% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. SBSI: -19.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBSI' s 10-Year EPS Growth (3Y)(%) Range
Min: -19  Med: 5.80 Max: 42.7
Current: -19
-19
42.7
» SBSI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

SBSI Guru Trades in Q3 2014

Jim Simons 284,491 sh (-11.40%)
» More
Q4 2014

SBSI Guru Trades in Q4 2014

Jim Simons 470,162 sh (+65.26%)
» More
Q1 2015

SBSI Guru Trades in Q1 2015

Jim Simons 476,863 sh (+1.43%)
» More
Q2 2015

SBSI Guru Trades in Q2 2015

Jim Simons 487,180 sh (-2.70%)
» More
» Details

Insider Trades

Latest Guru Trades with SBSI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 27.97
SBSI's P/E(ttm) is ranked lower than
88% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. SBSI: 27.97 )
Ranked among companies with meaningful P/E(ttm) only.
SBSI' s 10-Year P/E(ttm) Range
Min: 5.28  Med: 12.91 Max: 32.81
Current: 27.97
5.28
32.81
Forward P/E 12.20
SBSI's Forward P/E is ranked lower than
55% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. SBSI: 12.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 28.00
SBSI's PE(NRI) is ranked lower than
88% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. SBSI: 28.00 )
Ranked among companies with meaningful PE(NRI) only.
SBSI' s 10-Year PE(NRI) Range
Min: 5.27  Med: 12.97 Max: 32.7
Current: 28
5.27
32.7
P/B 1.49
SBSI's P/B is ranked lower than
79% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. SBSI: 1.49 )
Ranked among companies with meaningful P/B only.
SBSI' s 10-Year P/B Range
Min: 1.14  Med: 1.89 Max: 3.02
Current: 1.49
1.14
3.02
P/S 3.89
SBSI's P/S is ranked lower than
73% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. SBSI: 3.89 )
Ranked among companies with meaningful P/S only.
SBSI' s 10-Year P/S Range
Min: 1.55  Med: 3.60 Max: 13.36
Current: 3.89
1.55
13.36
PFCF 13.66
SBSI's PFCF is ranked lower than
65% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. SBSI: 13.66 )
Ranked among companies with meaningful PFCF only.
SBSI' s 10-Year PFCF Range
Min: 4.59  Med: 11.38 Max: 40.83
Current: 13.66
4.59
40.83
POCF 12.46
SBSI's POCF is ranked lower than
68% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. SBSI: 12.46 )
Ranked among companies with meaningful POCF only.
SBSI' s 10-Year POCF Range
Min: 4.38  Med: 9.87 Max: 21.42
Current: 12.46
4.38
21.42
EV-to-EBIT 66.17
SBSI's EV-to-EBIT is ranked lower than
95% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. SBSI: 66.17 )
Ranked among companies with meaningful EV-to-EBIT only.
SBSI' s 10-Year EV-to-EBIT Range
Min: -35.3  Med: 22.85 Max: 80.8
Current: 66.17
-35.3
80.8
Shiller P/E 13.75
SBSI's Shiller P/E is ranked higher than
62% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. SBSI: 13.75 )
Ranked among companies with meaningful Shiller P/E only.
SBSI' s 10-Year Shiller P/E Range
Min: 9.44  Med: 14.74 Max: 22.54
Current: 13.75
9.44
22.54
Days Sales Outstanding 55.37
SBSI's Days Sales Outstanding is ranked lower than
65% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. SBSI: 55.37 )
Ranked among companies with meaningful Days Sales Outstanding only.
SBSI' s 10-Year Days Sales Outstanding Range
Min: 45.22  Med: 59.89 Max: 270.65
Current: 55.37
45.22
270.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.52
SBSI's Dividend Yield is ranked higher than
64% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. SBSI: 3.52 )
Ranked among companies with meaningful Dividend Yield only.
SBSI' s 10-Year Dividend Yield Range
Min: 1.21  Med: 2.66 Max: 3.83
Current: 3.52
1.21
3.83
Dividend Payout 0.88
SBSI's Dividend Payout is ranked lower than
92% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. SBSI: 0.88 )
Ranked among companies with meaningful Dividend Payout only.
SBSI' s 10-Year Dividend Payout Range
Min: 0.06  Med: 0.29 Max: 0.69
Current: 0.88
0.06
0.69
Dividend growth (3y) 12.50
SBSI's Dividend growth (3y) is ranked higher than
65% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. SBSI: 12.50 )
Ranked among companies with meaningful Dividend growth (3y) only.
SBSI' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 14.40 Max: 32.1
Current: 12.5
0
32.1
Yield on cost (5-Year) 6.78
SBSI's Yield on cost (5-Year) is ranked higher than
80% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. SBSI: 6.78 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBSI' s 10-Year Yield on cost (5-Year) Range
Min: 2.33  Med: 5.12 Max: 7.37
Current: 6.78
2.33
7.37
Share Buyback Rate -0.20
SBSI's Share Buyback Rate is ranked higher than
72% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. SBSI: -0.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SBSI' s 10-Year Share Buyback Rate Range
Min: 2.3  Med: -0.50 Max: -4.9
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.93
SBSI's Price/Tangible Book is ranked lower than
85% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. SBSI: 1.93 )
Ranked among companies with meaningful Price/Tangible Book only.
SBSI' s 10-Year Price/Tangible Book Range
Min: 1.18  Med: 1.85 Max: 2.97
Current: 1.93
1.18
2.97
Price/Projected FCF 0.76
SBSI's Price/Projected FCF is ranked lower than
61% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. SBSI: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
SBSI' s 10-Year Price/Projected FCF Range
Min: 0.39  Med: 0.76 Max: 1.22
Current: 0.76
0.39
1.22
Price/Median PS Value 1.10
SBSI's Price/Median PS Value is ranked lower than
61% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. SBSI: 1.10 )
Ranked among companies with meaningful Price/Median PS Value only.
SBSI' s 10-Year Price/Median PS Value Range
Min: 0.47  Med: 0.85 Max: 3.69
Current: 1.1
0.47
3.69
Price/Graham Number 1.56
SBSI's Price/Graham Number is ranked lower than
92% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. SBSI: 1.56 )
Ranked among companies with meaningful Price/Graham Number only.
SBSI' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 1.01 Max: 1.81
Current: 1.56
0.58
1.81
Earnings Yield (Greenblatt) (%) 1.49
SBSI's Earnings Yield (Greenblatt) (%) is ranked lower than
85% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. SBSI: 1.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBSI' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 4.20 Max: 6.5
Current: 1.49
1.2
6.5
Forward Rate of Return (Yacktman) (%) -3.72
SBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
81% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. SBSI: -3.72 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBSI' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -5.3  Med: 7.50 Max: 34.2
Current: -3.72
-5.3
34.2

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southside Bancshares Inc is a bank holding company was incorporated in Texas on August 12, 1982. The Company is a financial institution that offers financial services to individuals, businesses, municipal entities, and non-profit organizations in the communities it serves. Its services include consumer and commercial loans, deposit accounts, trust services, safe deposit services and brokerage services. Its consumer loan services include 1-4 family residential mortgage loans, home equity loans, home improvement loans, automobile loans and other installment loans. Commercial loan services include 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. It also offers construction loans for 1-4 family residential and commercial real estate. The Company offers a number of deposit accounts with a range of interest rates and terms, including savings, money market, interest and noninterest bearing checking accounts and certificates of deposit (CDs). Its trust services include investment management, administration and advisory services for individuals and to a lesser extent, partnerships and corporations. The Company's market area is all of Smith, Gregg, Tarrant, Travis, Cherokee, Anderson, Kaufman, Henderson and Wood Counties in Texas, and to a lesser extent, portions of adjoining counties. It serves its markets through 50 banking centers, 19 of which are located in grocery stores and 13 motor bank facilities. The branches are located in and around Tyler, Longview, Lindale, Gresham, Jacksonville, Bullard, Chandler, Hawkins, Seven Points, Palestine, Forney, Gun Barrel City, Athens, Whitehouse, Fort Worth, Arlington and Austin. The Company is subject to government rules and regulations.
» More Articles for SBSI

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