Southside Bancshares (FRA:SU7) Moat Score: 4/10 (As of Jul. 20, 2026)

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FRA:SU7 Southside Bancshares Inc FRA:SU7
64 GF Score
Price €30.00
GF Value €26.93
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Southside Bancshares Moat Score?

Southside Bancshares FRA:SU7 +1.35% 64 Moat Score is 4 as of Jul. 20, 2026. GuruFocus rates FRA:SU7 with a GF Score™ of 64/100 and a GF Value™ of €26.93 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,609 Banks companies, Southside Bancshares ranks better than 86.26% on this metric.

Southside Bancshares has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Southside Bancshares has Narrow Moat: Southside Bancshares has a modest moat due to its regional market leadership and customer loyalty. However, it lacks significant network effects, strong brand strength, or substantial cost advantages that would elevate it beyond a narrow moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Southside Bancshares might have Narrow Moat - Discernible but modest moat.

Southside Bancshares  (FRA:SU7) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Southside Bancshares Moat Score Related Terms

FRA:SU7 vs HBNC, CFFN, FSBC: Moat Score Comparison

For the Banks - Regional subindustry, Southside Bancshares's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Southside Bancshares's Moat Score distribution charts can be found below:

* The bar in red indicates where Southside Bancshares's Moat Score falls into.


FRA:SU7
64GF Score
Southside Bancshares Inc FRA:SU7
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Southside Bancshares (FRA:SU7) has a Moat Score of 4 as of Jul. 20, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Southside Bancshares ranks #221 out of 1609 companies in the Banks industry, placing it in the top 13.7%.
Is Southside Bancshares' Moat Score too high?
Southside Bancshares' current Moat Score is 4. Based on the distribution chart, Southside Bancshares ranks #221 out of 1609 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Southside Bancshares has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' Moat Score compare to HBNC and CFFN?
According to the Banks industry distribution chart, Southside Bancshares ranks #221 out of 1609 companies for Moat Score. This places Southside Bancshares in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Southside Bancshares's current Moat Score is 4. 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 €26.93, compared to a current price of €30.00 — trading 11.4% above its estimated fair value. The current Moat Score is 4. Southside Bancshares' overall GF Score™ is 64/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Southside Bancshares (FRA:SU7), the current Moat Score is 4 as of Jul. 20, 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 €30.00 is trading 11.4% above its estimated GF Value™ of €26.93. GuruFocus considers Southside Bancshares to be Modestly Overvalued.

Key valuation signals for FRA:SU7:

  • Moat Score: 4
  • GF Value™: €26.93 vs. price of €30.00 (11.4% above fair value)
  • GF Score™: 64/100 with 8 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.
64GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€30.00
Price
€26.93
GF Value