Southside BancsharesSBSI +0.34%57 EV-to-FCF is 16.24 as of Jul. 01, 2026, which is 9% below its 10-year median of 17.82. GuruFocus rates SBSI with a GF Score™ of 57/100 and a GF Value™ of $31.32 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,194 Banks companies, Southside Bancshares ranks worse than 78.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Southside Bancshares's Enterprise Value is $1,574.3 Mil.
Southside Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $96.9 Mil. Therefore, Southside Bancshares's EV-to-FCF for today is 16.24.
The historical rank and industry rank for Southside Bancshares's EV-to-FCF or its related term are showing as below:
SBSI'
s EV-to-FCF Range Over the Past 10 Years
Min: -1126.14 Med: 17.82 Max: 59.47
Current: 16.24
During the past 13 years, the highest EV-to-FCF of Southside Bancshares was 59.47. The lowest was -1126.14. And the median was 17.82.
SBSI's EV-to-FCF is ranked worse than 78.48% of 1194
companies
in the Banks industry
Industry Median: 6.565
vs SBSI: 16.24
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Southside Bancshares's PE Ratio (TTM) for today is calculated as:
Southside Bancshares's share price for today is $35.31.
Southside Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.360.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Southside Bancshares EV-to-FCF Related Terms
Southside Bancshares EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Southside Bancshares's EV-to-FCF 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.
For the Banks - Regional subindustry, Southside Bancshares's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Southside Bancshares's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Southside Bancshares's EV-to-FCF falls into.
Southside Bancshares's current Enterprise Value is $1,574.3 Mil.
Southside Bancshares's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $96.9 Mil.
* 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 (SBSI) has a EV-to-FCF of 16.24 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southside Bancshares and its competitors. This is near median its historical median of 17.82. According to the industry distribution chart, Southside Bancshares ranks #937 out of 1194 companies in the Banks industry, placing it in the top 78.5%.
Is Southside Bancshares' EV-to-FCF too high?
Southside Bancshares' current EV-to-FCF of 16.24 is near median its 10-year median of 17.82. The Banks industry median EV-to-FCF is 6.57. Southside Bancshares' value of 16.24 is 147.4% above this industry median. Based on the distribution chart, Southside Bancshares ranks #937 out of 1194 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Southside Bancshares has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' EV-to-FCF compare to HBNC and CFFN?
According to the Banks industry distribution chart, Southside Bancshares ranks #937 out of 1194 companies for EV-to-FCF. This places Southside Bancshares in the lower half of its industry. The industry median EV-to-FCF is 6.57. Southside Bancshares' value of 16.24 is 147.4% above this benchmark. While the company's 10-year median is 17.82 vs. the industry median of 6.57, Southside Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,194 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southside Bancshares's current EV-to-FCF of 16.24 is 147.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Southside Bancshares and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southside Bancshares's current EV-to-FCF is 16.24, which is near median its own 10-year median of 17.82. 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 (SBSI) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.32, compared to a current price of $35.31 — trading 12.7% above its estimated fair value. The current EV-to-FCF is 16.24, which is near median its 10-year median of 17.82 and 147.4% above the Banks industry median of 6.57. Southside Bancshares' overall GF Score™ is 57/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Southside Bancshares (SBSI), the current EV-to-FCF is 16.24 as of Jul. 01, 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 (SBSI) Overvalued in 2026?
Based on GuruFocus' analysis, Southside Bancshares stock appears to be overvalued.
The current stock price of $35.31 is trading 12.7% above its estimated GF Value™ of $31.32.
GuruFocus considers Southside Bancshares to be Modestly Overvalued.
Key valuation signals for SBSI:
EV-to-FCF: 16.24 (near median its 10-year median of 17.82)
GF Value™: $31.32 vs. price of $35.31 (12.7% above fair value)
Industry Position: 147.4% above the Banks median (#937 of 1194)
No single metric tells the full story. See the SBSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
57GF Score
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