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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 0.07
SBSI's Cash to Debt is ranked lower than
94% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SBSI: 0.07 )
Ranked among companies with meaningful Cash to Debt only.
SBSI' s Cash to Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.10 Max: N/A
Current: 0.07
Equity to Asset 0.09
SBSI's Equity to Asset is ranked lower than
60% of the 1578 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 Equity to Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.09
Current: 0.09
0.04
0.09
Interest Coverage 1.61
SBSI's Interest Coverage is ranked lower than
53% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. SBSI: 1.61 )
Ranked among companies with meaningful Interest Coverage only.
SBSI' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 1.14 Max: 2.58
Current: 1.61
0.33
2.58
F-Score: 5
WACC vs ROIC
4.28%
2.43%
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 (%) 18.80
SBSI's Operating margin (%) is ranked lower than
77% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. SBSI: 18.80 )
Ranked among companies with meaningful Operating margin (%) only.
SBSI' s Operating margin (%) Range Over the Past 10 Years
Min: -87.48  Med: 33.29 Max: 41.87
Current: 18.8
-87.48
41.87
Net-margin (%) 17.61
SBSI's Net-margin (%) is ranked lower than
67% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. SBSI: 17.61 )
Ranked among companies with meaningful Net-margin (%) only.
SBSI' s Net-margin (%) Range Over the Past 10 Years
Min: 15.87  Med: 27.72 Max: 61.08
Current: 17.61
15.87
61.08
ROE (%) 6.99
SBSI's ROE (%) is ranked lower than
59% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. SBSI: 6.99 )
Ranked among companies with meaningful ROE (%) only.
SBSI' s ROE (%) Range Over the Past 10 Years
Min: 6.08  Med: 14.84 Max: 24.5
Current: 6.99
6.08
24.5
ROA (%) 0.63
SBSI's ROA (%) is ranked lower than
65% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. SBSI: 0.63 )
Ranked among companies with meaningful ROA (%) only.
SBSI' s ROA (%) Range Over the Past 10 Years
Min: 0.5  Med: 1.15 Max: 1.55
Current: 0.63
0.5
1.55
EBITDA Growth (3Y)(%) -26.20
SBSI's EBITDA Growth (3Y)(%) is ranked lower than
86% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. SBSI: -26.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SBSI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -26.2  Med: 6.25 Max: 24.9
Current: -26.2
-26.2
24.9
EPS Growth (3Y)(%) -19.10
SBSI's EPS Growth (3Y)(%) is ranked lower than
82% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. SBSI: -19.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SBSI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -19.1  Med: 7.30 Max: 42.8
Current: -19.1
-19.1
42.8
» SBSI's 10-Y Financials

Financials


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

» Details

Guru Trades

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
Q3 2015

SBSI Guru Trades in Q3 2015

Ken Fisher 106,403 sh (New)
Third Avenue Management 194,170 sh (New)
Jim Simons 510,719 sh (+4.83%)
» More
Q4 2015

SBSI Guru Trades in Q4 2015

Ken Fisher 115,348 sh (+8.41%)
» 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) 21.55
SBSI's P/E(ttm) is ranked lower than
86% of the 2164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. SBSI: 21.55 )
Ranked among companies with meaningful P/E(ttm) only.
SBSI' s P/E(ttm) Range Over the Past 10 Years
Min: 5.28  Med: 12.97 Max: 32.63
Current: 21.55
5.28
32.63
Forward P/E 12.20
SBSI's Forward P/E is ranked lower than
77% of the 1322 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.27 vs. SBSI: 12.20 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 21.55
SBSI's PE(NRI) is ranked lower than
84% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. SBSI: 21.55 )
Ranked among companies with meaningful PE(NRI) only.
SBSI' s PE(NRI) Range Over the Past 10 Years
Min: 5.27  Med: 12.95 Max: 32.7
Current: 21.55
5.27
32.7
P/B 1.32
SBSI's P/B is ranked lower than
74% of the 2247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. SBSI: 1.32 )
Ranked among companies with meaningful P/B only.
SBSI' s P/B Range Over the Past 10 Years
Min: 1.14  Med: 1.81 Max: 3.02
Current: 1.32
1.14
3.02
P/S 3.45
SBSI's P/S is ranked lower than
69% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.55 vs. SBSI: 3.45 )
Ranked among companies with meaningful P/S only.
SBSI' s P/S Range Over the Past 10 Years
Min: 1.55  Med: 3.55 Max: 13.36
Current: 3.45
1.55
13.36
PFCF 11.73
SBSI's PFCF is ranked lower than
66% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.28 vs. SBSI: 11.73 )
Ranked among companies with meaningful PFCF only.
SBSI' s PFCF Range Over the Past 10 Years
Min: 4.59  Med: 11.25 Max: 40.84
Current: 11.73
4.59
40.84
POCF 10.97
SBSI's POCF is ranked lower than
70% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. SBSI: 10.97 )
Ranked among companies with meaningful POCF only.
SBSI' s POCF Range Over the Past 10 Years
Min: 4.38  Med: 9.81 Max: 21.43
Current: 10.97
4.38
21.43
EV-to-EBIT 49.86
SBSI's EV-to-EBIT is ranked lower than
92% of the 2121 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.36 vs. SBSI: 49.86 )
Ranked among companies with meaningful EV-to-EBIT only.
SBSI' s EV-to-EBIT Range Over the Past 10 Years
Min: -35.3  Med: 22.80 Max: 80.8
Current: 49.86
-35.3
80.8
EV-to-EBITDA 40.38
SBSI's EV-to-EBITDA is ranked lower than
92% of the 2129 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.08 vs. SBSI: 40.38 )
Ranked among companies with meaningful EV-to-EBITDA only.
SBSI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -39.4  Med: 21.10 Max: 68.7
Current: 40.38
-39.4
68.7
Shiller P/E 13.81
SBSI's Shiller P/E is ranked higher than
61% of the 681 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.38 vs. SBSI: 13.81 )
Ranked among companies with meaningful Shiller P/E only.
SBSI' s Shiller P/E Range Over the Past 10 Years
Min: 11.19  Med: 15.43 Max: 22.91
Current: 13.81
11.19
22.91

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.97
SBSI's Dividend Yield is ranked higher than
66% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. SBSI: 3.97 )
Ranked among companies with meaningful Dividend Yield only.
SBSI' s Dividend Yield Range Over the Past 10 Years
Min: 1.43  Med: 2.73 Max: 4.32
Current: 3.97
1.43
4.32
Dividend Payout 0.76
SBSI's Dividend Payout is ranked lower than
89% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. SBSI: 0.76 )
Ranked among companies with meaningful Dividend Payout only.
SBSI' s Dividend Payout Range Over the Past 10 Years
Min: 0.06  Med: 0.29 Max: 0.68
Current: 0.76
0.06
0.68
Dividend Growth (3y) 12.50
SBSI's Dividend Growth (3y) is ranked higher than
70% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. SBSI: 12.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SBSI' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 14.45 Max: 32.1
Current: 12.5
0
32.1
Forward Dividend Yield 4.02
SBSI's Forward Dividend Yield is ranked higher than
65% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. SBSI: 4.02 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.68
SBSI's Yield on cost (5-Year) is ranked higher than
81% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. SBSI: 7.68 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SBSI' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.75  Med: 5.26 Max: 8.32
Current: 7.68
2.75
8.32
3-Year Average Share Buyback Ratio -0.20
SBSI's 3-Year Average Share Buyback Ratio is ranked higher than
70% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. SBSI: -0.20 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SBSI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -4.9  Med: -0.45 Max: 2.3
Current: -0.2
-4.9
2.3

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.67
SBSI's Price/Tangible Book is ranked lower than
79% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. SBSI: 1.67 )
Ranked among companies with meaningful Price/Tangible Book only.
SBSI' s Price/Tangible Book Range Over the Past 10 Years
Min: 1.18  Med: 1.85 Max: 2.97
Current: 1.67
1.18
2.97
Price/Projected FCF 0.65
SBSI's Price/Projected FCF is ranked lower than
52% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. SBSI: 0.65 )
Ranked among companies with meaningful Price/Projected FCF only.
SBSI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.39  Med: 0.76 Max: 1.22
Current: 0.65
0.39
1.22
Price/Median PS Value 0.99
SBSI's Price/Median PS Value is ranked lower than
57% of the 2108 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. SBSI: 0.99 )
Ranked among companies with meaningful Price/Median PS Value only.
SBSI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.48  Med: 0.88 Max: 3.74
Current: 0.99
0.48
3.74
Price/Graham Number 1.26
SBSI's Price/Graham Number is ranked lower than
83% of the 2062 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. SBSI: 1.26 )
Ranked among companies with meaningful Price/Graham Number only.
SBSI' s Price/Graham Number Range Over the Past 10 Years
Min: 0.64  Med: 1.02 Max: 1.78
Current: 1.26
0.64
1.78
Earnings Yield (Greenblatt) (%) 1.98
SBSI's Earnings Yield (Greenblatt) (%) is ranked lower than
83% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. SBSI: 1.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SBSI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.2  Med: 4.20 Max: 6.5
Current: 1.98
1.2
6.5
Forward Rate of Return (Yacktman) (%) -2.02
SBSI's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. SBSI: -2.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SBSI' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -4.8  Med: 7.50 Max: 32
Current: -2.02
-4.8
32

More Statistics

Revenue(Mil) $161
EPS $ 1.06
Beta0.72
Short Percentage of Float7.20%
52-Week Range $19.54 - 29.87
Shares Outstanding(Mil)25.37

Latest Earnings Webcast

» More Conference Calls

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 NAS:SBSI

Headlines

Articles On GuruFocus.com
Third Avenue Management's New Positions Dec 16 2015 
Third Avenue Management Comments on Southside Bancshares Dec 10 2015 
Third Avenue's Small-Cap Value Fund 4th Quarter Portfolio Manager Commentary Dec 10 2015 
Two Stocks On My Watch List For June 2014 May 29 2014 
Companies That Are Raising Dividends May 16 2014 
17 Companies Compounding Shareholder's Wealth with Higher Dividends Nov 11 2013 
Who Is Ben Grossbaum and Why Should We Listen to Him? Jan 02 2013 
Southside Bancshares Inc. (SBSI) Dividend Stock Analysis Dec 28 2012 
Recent Dividend Increases: T, SBSI, EMR, V Nov 10 2012 
What Are You Buying? Oct 23 2012 

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