Southside BancsharesFRA:SU7 -0.67%63 FCF Margin % is 64.38% as of Mar. 2026, which is 59% above its 10-year median of 40.39. GuruFocus rates FRA:SU7 with a GF Score™ of 63/100 and a GF Value™ of €26.61 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,509 Banks companies, Southside Bancshares ranks better than 68.72% on this metric.
The historical rank and industry rank for Southside Bancshares's FCF Margin % or its related term are showing as below:
FRA:SU7'
s FCF Margin % Range Over the Past 10 Years
Min: 29.08 Med: 40.39 Max: 85.79
Current: 39.88
During the past 13 years, the highest FCF Margin % of Southside Bancshares was 85.79%. The lowest was 29.08%. And the median was 40.39%.
FRA:SU7's FCF Margin % is ranked better than 68.72% of 1509
companies
in the Banks industry
Industry Median: 26.55
vs FRA:SU7: 39.88
Southside Bancshares FCF Margin % Related Terms
Southside Bancshares FCF Margin % Historical Data
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The historical data trend for Southside Bancshares's FCF Margin % 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.
FRA:SU7 vs HBNC, CFFN, FSBC: FCF Margin % Comparison
For the Banks - Regional subindustry, Southside Bancshares's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southside Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Southside Bancshares's FCF Margin % falls into.
* 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 (FRA:SU7) has a FCF Margin % of 64.38% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southside Bancshares and its competitors. This is 59% above median its historical median of 40.39. Over the past decade, Southside Bancshares' FCF Margin % has ranged from 29.08 to 85.79. According to the industry distribution chart, Southside Bancshares ranks #472 out of 1509 companies in the Banks industry, placing it in the top 31.3%.
Is Southside Bancshares' FCF Margin % too high?
Southside Bancshares' current FCF Margin % of 64.38% is 59% above median its 10-year median of 40.39. Over the past 10 years, this metric has ranged from a low of 29.08 to a high of 85.79. The Banks industry median FCF Margin % is 26.55. Southside Bancshares' value of 64.38% is 142.5% above this industry median. Based on the distribution chart, Southside Bancshares ranks #472 out of 1509 companies in the Banks industry, which is above the industry midpoint. Overall, Southside Bancshares has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' FCF Margin % compare to HBNC and CFFN?
According to the Banks industry distribution chart, Southside Bancshares ranks #472 out of 1509 companies for FCF Margin %. This puts Southside Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.55. Southside Bancshares' value of 64.38% is 142.5% above this benchmark. Historically, Southside Bancshares' own FCF Margin % has ranged from 29.08 to 85.79 over the past decade. While the company's 10-year median is 40.39 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Southside Bancshares's current FCF Margin % of 64.38% is 142.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Southside Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southside Bancshares's current FCF Margin % is 64.38%, which is 59% above median its own 10-year median of 40.39. 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 Modestly Overvalued. The stock's GF Value™ is €26.61, compared to a current price of €29.80 — trading 12% above its estimated fair value. The current FCF Margin % is 64.38%, which is 59% above median its 10-year median of 40.39 and 142.5% above the Banks industry median of 26.55. Southside Bancshares' overall GF Score™ is 63/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Southside Bancshares (FRA:SU7), the current FCF Margin % is 64.38% as of Mar. 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 €29.80 is trading 12% above its estimated GF Value™ of €26.61.
GuruFocus considers Southside Bancshares to be Modestly Overvalued.
Key valuation signals for FRA:SU7:
FCF Margin %: 64.38% (59% above median its 10-year median of 40.39)
GF Value™: €26.61 vs. price of €29.80 (12% above fair value)
Industry Position: 142.5% above the Banks median (#472 of 1509)
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 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
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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