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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 0.09
SBSI's Cash to Debt is ranked lower than
53% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. SBSI: 0.09 )
SBSI' s 10-Year Cash to Debt Range
Min: 0.06   Max: 2.28
Current: 0.09

0.06
2.28
Equity to Asset 0.09
SBSI's Equity to Asset is ranked higher than
65% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. SBSI: 0.09 )
SBSI' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.09
Current: 0.09

0.04
0.09
Interest Coverage 1.10
SBSI's Interest Coverage is ranked higher than
66% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. SBSI: 1.10 )
SBSI' s 10-Year Interest Coverage Range
Min: 0.27   Max: 2.58
Current: 1.1

0.27
2.58
F-Score: 3
Z-Score: 0.16
WACC vs ROIC
4.97%
2.34%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 14.22
SBSI's Operating margin (%) is ranked higher than
54% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. SBSI: 14.22 )
SBSI' s 10-Year Operating margin (%) Range
Min: -258.94   Max: 41.87
Current: 14.22

-258.94
41.87
Net-margin (%) 15.87
SBSI's Net-margin (%) is ranked higher than
62% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. SBSI: 15.87 )
SBSI' s 10-Year Net-margin (%) Range
Min: 15.87   Max: 108.58
Current: 15.87

15.87
108.58
ROE (%) 6.80
SBSI's ROE (%) is ranked higher than
66% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. SBSI: 6.80 )
SBSI' s 10-Year ROE (%) Range
Min: 6.08   Max: 24.5
Current: 6.8

6.08
24.5
ROA (%) 0.56
SBSI's ROA (%) is ranked higher than
62% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. SBSI: 0.56 )
SBSI' s 10-Year ROA (%) Range
Min: 0.5   Max: 1.55
Current: 0.56

0.5
1.55
ROC (Joel Greenblatt) (%) 16.78
SBSI's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. SBSI: 16.78 )
SBSI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -160.84   Max: 140.07
Current: 16.78

-160.84
140.07
EBITDA Growth (3Y)(%) -26.30
SBSI's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. SBSI: -26.30 )
SBSI' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -26.3   Max: 25
Current: -26.3

-26.3
25
EPS Growth (3Y)(%) -19.00
SBSI's EPS Growth (3Y)(%) is ranked higher than
52% of the 1825 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. SBSI: -19.00 )
SBSI' s 10-Year EPS Growth (3Y)(%) Range
Min: -19   Max: 42.6
Current: -19

-19
42.6
» SBSI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2014

SBSI Guru Trades in Q1 2014

Jim Simons 211,703 sh (+6.44%)
» More
Q2 2014

SBSI Guru Trades in Q2 2014

Jim Simons 321,082 sh (+44.44%)
» More
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
» 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) 25.90
SBSI's P/E(ttm) is ranked higher than
63% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. SBSI: 25.90 )
SBSI' s 10-Year P/E(ttm) Range
Min: 5.28   Max: 28.78
Current: 25.9

5.28
28.78
Forward P/E 12.20
SBSI's Forward P/E is ranked higher than
80% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBSI: 12.20 )
N/A
PE(NRI) 26.30
SBSI's PE(NRI) is ranked higher than
68% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. SBSI: 26.30 )
SBSI' s 10-Year PE(NRI) Range
Min: 5.26   Max: 28.78
Current: 26.3

5.26
28.78
P/B 1.60
SBSI's P/B is ranked higher than
61% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. SBSI: 1.60 )
SBSI' s 10-Year P/B Range
Min: 1.14   Max: 3.03
Current: 1.6

1.14
3.03
P/S 4.30
SBSI's P/S is ranked higher than
54% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. SBSI: 4.30 )
SBSI' s 10-Year P/S Range
Min: 1.55   Max: 13.39
Current: 4.3

1.55
13.39
PFCF 10.20
SBSI's PFCF is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBSI: 10.20 )
SBSI' s 10-Year PFCF Range
Min: 4.59   Max: 41.58
Current: 10.2

4.59
41.58
POCF 9.82
SBSI's POCF is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. SBSI: 9.82 )
SBSI' s 10-Year POCF Range
Min: 4.4   Max: 21.44
Current: 9.82

4.4
21.44
EV-to-EBIT 84.88
SBSI's EV-to-EBIT is ranked higher than
59% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. SBSI: 84.88 )
SBSI' s 10-Year EV-to-EBIT Range
Min: -35.3   Max: 80.8
Current: 84.88

-35.3
80.8
Shiller P/E 14.50
SBSI's Shiller P/E is ranked higher than
89% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBSI: 14.50 )
SBSI' s 10-Year Shiller P/E Range
Min: 9.49   Max: 22.51
Current: 14.5

9.49
22.51
Days Sales Outstanding 62.36
SBSI's Days Sales Outstanding is ranked higher than
83% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBSI: 62.36 )
SBSI' s 10-Year Days Sales Outstanding Range
Min: 45.22   Max: 270.65
Current: 62.36

45.22
270.65

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.00
SBSI's Dividend Yield is ranked higher than
65% of the 2193 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.43 vs. SBSI: 3.00 )
SBSI' s 10-Year Dividend Yield Range
Min: 1.2   Max: 3.84
Current: 3

1.2
3.84
Dividend Payout 0.78
SBSI's Dividend Payout is ranked higher than
64% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. SBSI: 0.78 )
SBSI' s 10-Year Dividend Payout Range
Min: 0.14   Max: 0.78
Current: 0.78

0.14
0.78
Dividend growth (3y) 12.40
SBSI's Dividend growth (3y) is ranked higher than
83% of the 1323 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SBSI: 12.40 )
SBSI' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 32.3
Current: 12.4

0
32.3
Yield on cost (5-Year) 5.78
SBSI's Yield on cost (5-Year) is ranked higher than
84% of the 2203 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. SBSI: 5.78 )
SBSI' s 10-Year Yield on cost (5-Year) Range
Min: 2.31   Max: 7.39
Current: 5.78

2.31
7.39
Share Buyback Rate -0.20
SBSI's Share Buyback Rate is ranked higher than
83% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.50 vs. SBSI: -0.20 )
SBSI' s 10-Year Share Buyback Rate Range
Min: 2.3   Max: -4.9
Current: -0.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.20
SBSI's Price/Tangible Book is ranked higher than
63% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. SBSI: 2.20 )
SBSI' s 10-Year Price/Tangible Book Range
Min: 1.18   Max: 2.96
Current: 2.2

1.18
2.96
Price/DCF (Projected) 0.70
SBSI's Price/DCF (Projected) is ranked higher than
87% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. SBSI: 0.70 )
SBSI' s 10-Year Price/DCF (Projected) Range
Min: 0.48   Max: 1.03
Current: 0.7

0.48
1.03
Price/Median PS Value 1.20
SBSI's Price/Median PS Value is ranked higher than
72% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. SBSI: 1.20 )
SBSI' s 10-Year Price/Median PS Value Range
Min: 0.55   Max: 3.78
Current: 1.2

0.55
3.78
Price/Graham Number 1.80
SBSI's Price/Graham Number is ranked higher than
64% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. SBSI: 1.80 )
SBSI' s 10-Year Price/Graham Number Range
Min: 0.6   Max: 1.79
Current: 1.8

0.6
1.79
Earnings Yield (Greenblatt) 1.20
SBSI's Earnings Yield (Greenblatt) is ranked lower than
55% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. SBSI: 1.20 )
SBSI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 1.2   Max: 6.5
Current: 1.2

1.2
6.5
Forward Rate of Return (Yacktman) 1.28
SBSI's Forward Rate of Return (Yacktman) is ranked higher than
60% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.52 vs. SBSI: 1.28 )
SBSI' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.4   Max: 36.3
Current: 1.28

0.4
36.3

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Southside Bancshares Inc is a bank holding company for Southside Bank incorporated 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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