Southside Bancshares (FRA:SU7) ROE % Adjusted to Book Value: 10.48% (As of Mar. 2026)

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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:SU7 Southside Bancshares Inc FRA:SU7
65 GF Score
Price €29.60
GF Value €27.47
Valuation Fairly Valued
! 8 Warning Signs
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What is Southside Bancshares ROE % Adjusted to Book Value?

Southside Bancshares FRA:SU7 +1.37% 65 ROE % Adjusted to Book Value is 10.48% as of Mar. 2026. GuruFocus rates FRA:SU7 with a GF Score™ of 65/100 and a GF Value™ of €27.47 (Fairly Valued). The stock has 8 warning signs investors should review.

Southside Bancshares's ROE % for the quarter that ended in Mar. 2026 was 11.00%. Southside Bancshares's PB Ratio for the quarter that ended in Mar. 2026 was 1.05. Southside Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 10.48%.


Southside Bancshares ROE % Adjusted to Book Value Related Terms


Southside Bancshares ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Southside Bancshares's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Southside Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.95 8.69 9.15 9.82 7.51

Southside Bancshares Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 10.10 10.00 2.42 9.51 10.48

FRA:SU7 vs HBNC, CFFN, FSBC: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Southside Bancshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Southside Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Southside Bancshares's ROE % Adjusted to Book Value falls into.


FRA:SU7
65GF Score
Southside Bancshares Inc FRA:SU7
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Southside Bancshares ROE % Adjusted to Book Value Calculation

Southside Bancshares's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=7.89% / 1.05
=7.51%

Southside Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=11.00% / 1.05
=10.48%

* 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.

What does a ROE % Adjusted to Book Value of 10.48% mean?
Southside Bancshares (FRA:SU7) has a ROE % Adjusted to Book Value of 10.48% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Southside Bancshares and its competitors.
Is Southside Bancshares' ROE % Adjusted to Book Value too high?
Southside Bancshares' current ROE % Adjusted to Book Value is 10.48%. Overall, Southside Bancshares has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' ROE % Adjusted to Book Value compare to HBNC and CFFN?
Southside Bancshares' ROE % Adjusted to Book Value of 10.48% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Southside Bancshares and its competitors. Southside Bancshares's current ROE % Adjusted to Book Value is 10.48%. 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 €27.47, compared to a current price of €29.60 — trading 7.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 10.48%. Southside Bancshares' overall GF Score™ is 65/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Southside Bancshares (FRA:SU7), the current ROE % Adjusted to Book Value is 10.48% 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 €29.60 is trading 7.8% above its estimated GF Value™ of €27.47. GuruFocus considers Southside Bancshares to be Fairly Valued.

Key valuation signals for FRA:SU7:

  • ROE % Adjusted to Book Value: 10.48%
  • GF Value™: €27.47 vs. price of €29.60 (7.8% above fair value)
  • GF Score™: 65/100 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.
65GF Score

Get the complete analysis for FRA:SU7

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.60
Price
€27.47
GF Value