Southside Bancshares (FRA:SU7) Cyclically Adjusted FCF per Share: €3.37 (As of Jun. 2026)

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FRA:SU7 Southside Bancshares Inc FRA:SU7
63 GF Score
Price €27.40
GF Value €26.72
Valuation Fairly Valued
! 7 Warning Signs
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What is Southside Bancshares Cyclically Adjusted FCF per Share?

Southside Bancshares FRA:SU7 63 Cyclically Adjusted FCF per Share is €3.37 as of Jun. 2026. GuruFocus rates FRA:SU7 with a GF Score™ of 63/100 and a GF Value™ of €26.72 (Fairly Valued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Southside Bancshares's adjusted free cash flow per share for the three months ended in Jun. 2026 was €0.799. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.37 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Southside Bancshares's average Cyclically Adjusted FCF Growth Rate was 4.70% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 1.10% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 5.50% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 6.60% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Southside Bancshares was 10.40% per year. The lowest was -0.20% per year. And the median was 6.70% per year.

As of today (2026-08-08), Southside Bancshares's current stock price is €27.40. Southside Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €3.37. Southside Bancshares's Cyclically Adjusted Price-to-FCF of today is 8.13.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Southside Bancshares was 17.11. The lowest was 6.73. And the median was 11.25.


Southside Bancshares  (FRA:SU7) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Southside Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=27.40/3.37
=8.13

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Southside Bancshares was 17.11. The lowest was 6.73. And the median was 11.25.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Southside Bancshares Cyclically Adjusted FCF per Share Related Terms


Southside Bancshares Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Southside Bancshares's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Southside Bancshares Cyclically Adjusted FCF per Share Chart

Southside Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.79 3.42 3.39 3.52 3.18

Southside Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.12 3.12 3.18 3.24 3.37

FRA:SU7 vs BFST, MBWM, CCNE: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Southside Bancshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Southside Bancshares Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Southside Bancshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Southside Bancshares's Cyclically Adjusted Price-to-FCF falls into.


FRA:SU7
63GF Score
Southside Bancshares Inc FRA:SU7
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Southside Bancshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Southside Bancshares's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.799/333.9520*333.9520
=0.799

Current CPI (Jun. 2026) = 333.9520.

Southside Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.960 241.428 1.328
201612 0.642 241.432 0.888
201703 0.996 243.801 1.364
201706 0.404 244.955 0.551
201709 0.722 246.819 0.977
201712 0.316 246.524 0.428
201803 0.913 249.554 1.222
201806 0.625 251.989 0.828
201809 0.701 252.439 0.927
201812 0.372 251.233 0.494
201903 0.430 254.202 0.565
201906 0.274 256.143 0.357
201909 0.578 256.759 0.752
201912 0.430 256.974 0.559
202003 -0.215 258.115 -0.278
202006 0.473 257.797 0.613
202009 0.781 260.280 1.002
202012 0.969 260.474 1.242
202103 1.531 264.877 1.930
202106 0.397 271.696 0.488
202109 1.213 274.310 1.477
202112 0.697 278.802 0.835
202203 2.304 287.504 2.676
202206 1.188 296.311 1.339
202209 2.411 296.808 2.713
202212 0.508 296.797 0.572
202303 0.637 301.836 0.705
202306 1.002 305.109 1.097
202309 2.348 307.789 2.548
202312 -1.769 306.746 -1.926
202403 1.692 312.332 1.809
202406 0.471 314.175 0.501
202409 -0.420 315.301 -0.445
202412 1.057 315.605 1.118
202503 0.653 319.799 0.682
202506 -0.066 322.561 -0.068
202509 1.065 324.800 1.095
202512 0.473 324.054 0.487
202603 1.304 330.213 1.319
202606 0.799 333.952 0.799

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.37 mean?
Southside Bancshares (FRA:SU7) has a Cyclically Adjusted FCF per Share of €3.37 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Southside Bancshares and its competitors.
Is Southside Bancshares' Cyclically Adjusted FCF per Share too high?
Southside Bancshares' current Cyclically Adjusted FCF per Share is €3.37. Overall, Southside Bancshares has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' Cyclically Adjusted FCF per Share compare to BFST and MBWM?
Southside Bancshares' Cyclically Adjusted FCF per Share of €3.37 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Southside Bancshares and its competitors. Southside Bancshares's current Cyclically Adjusted FCF per Share is €3.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southside Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southside Bancshares (FRA:SU7) is currently considered Fairly Valued. The stock's GF Value™ is €26.72, compared to a current price of €27.40 — trading 2.5% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €3.37. Southside Bancshares' overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Southside Bancshares (FRA:SU7), the current Cyclically Adjusted FCF per Share is €3.37 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Southside Bancshares (FRA:SU7) Overvalued in 2026?

Based on GuruFocus' analysis, Southside Bancshares stock appears to be overvalued. The current stock price of €27.40 is trading 2.5% above its estimated GF Value™ of €26.72. GuruFocus considers Southside Bancshares to be Fairly Valued.

Key valuation signals for FRA:SU7:

  • Cyclically Adjusted FCF per Share: €3.37
  • GF Value™: €26.72 vs. price of €27.40 (2.5% above fair value)
  • GF Score™: 63/100 with 7 warning signs

No single metric tells the full story. See the FRA:SU7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Southside Bancshares Business Description

Other Exchanges SBSI:USA
Address 1201 S. Beckham Avenue, Tyler, TX, USA, 75701
Southside Bancshares Inc is a bank holding company. Through its subsidiary, it operates as a financial institution offering various financial services to individuals, businesses, municipal entities, and nonprofit organizations. These services include consumer and commercial loans, deposit accounts, wealth management and trust services, brokerage services, and safe deposit services. The company's primary market areas are East Texas, Southeast Texas, and the greater Dallas-Fort Worth, Austin, and Houston, Texas.
63GF Score

Get the complete analysis for FRA:SU7

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€27.40
Price
€26.72
GF Value