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SOUTHSIDE BANCSHARES INC (SBSI)

Financials · regional banking · NYSE

A Texas-based financial institution offering traditional banking, lending, and trust services through its subsidiary, Southside Bank.

What SOUTHSIDE BANCSHARES INC does

Southside Bancshares, Inc. is a Texas-based bank holding company that operates through its wholly owned subsidiary, Southside Bank. The company provides a full range of financial services, including commercial and consumer banking, mortgage lending, and trust services to individuals and businesses.

Themes: community banking, commercial lending, wealth management, Texas financial services

Fundamentals

  • Price$32.07 as of 2026-08-21 close
  • Market cap$956M as of 2026-08-21
  • 1-year return+7.9% 2025-08-21 close $29.71 → 2026-08-21 close $32.07
  • P/E12.88 as of 2026-08-24
  • Net margin+37.1% as of 2026-08-24
  • ROE+8.9% as of 2026-08-24
  • Debt / equity0.71 as of 2026-08-24
  • Revenue growth (YoY)+44.4% as of 2026-08-24
  • Beta0.60 as of 2026-08-24
  • Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +5.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How SBSI compares in its sector

  • price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
  • net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
  • operating margintop 25% 534 covered Financials peers, as of 2026-08-24
  • return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
  • indicated dividend yieldtop 25% 453 covered Financials peers, as of 2026-08-24
  • free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Dividend coverage (FY2025)

Covered by reported results. In FY2025, SBSI's dividend was covered by reported results (earnings payout 63%, free-cash-flow payout 59%). This describes past coverage, not a forecast.

  • Earnings payout63% dividends / net income
  • Free-cash-flow payout59% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How SOUTHSIDE BANCSHARES INC looks technically

SOUTHSIDE BANCSHARES INC (SBSI) is trading 0.2% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 166 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 39, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It made a new 20-day low about 10 trading days ago. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.

Trend

8
Distance from the 200-dayit is trading 0.2% below its 200-day average, the long-term trend line — a long-term downtrend-0.2%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $33.70$33.70
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $32.13$32.13
Swing structureeach recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes nextlower highs and lower lows
Last swing turnits last significant turn was a swing high 16 calendar days ago — the swings before that are what the structure reading is measured on16 sessions
Wave structureits recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 33.37. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C.possible downward five-wave sequence, in wave 3 (one of several readings)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 166 trading days ago — a "golden cross", a bullish long-term signal166 sessions
Trend strength (14-day ADX)a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 20 (a reading of 25+ marks a strong trend)20.2

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 39, neither overbought (above 70) nor oversold (below 30)39.0
Position in its 14-day rangeit is trading in the lower half of its 14-day range ($31.59 to $33.37) — its "stochastic" reading is 27 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.27.1
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative)2 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $36.20$36.20
From the 52-week highit is 11.4% below its 52-week high (its highest price of the past year)-11.4%
Above the 52-week lowit is 21.8% above its 52-week low (its lowest price of the past year)+21.9%
Below the 52-week highit is 11.4% below its highest point of the past year11.4%
Since a 20-day breakoutit made a new 20-day low about 10 trading days ago10 sessions
Since a 55-day breakoutit made a new 55-day high about 26 trading days ago26 sessions
All-time highits highest closing price on record is $45.36 (set on 2021-11-22)$45.36
Given back of the 52-week moveover the past year its closes ranged ($26.44 to $35.74), and it has given back roughly a third of its rise from last year’s low — 39% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $29.70 to $29.99. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.39.5%
From the all-time highit is 29.3% below its all-time high-29.3%
Nearest price levelit is trading 1.2% below a resistance level at $32.45 — a price it turned at three times since 2025-02-06, most recently on 2026-04-22. Since 2024-08-21 it has 6 such levels below the current price and 5 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+1.2%
All-time lowits lowest closing price on record is $3.39 (set on 2000-07-27)$3.39
Above the all-time lowit is 845.8% above its all-time low+845.8%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move0th percentile
Typical daily rangein a typical session it travels about $0.6817 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.6817
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $31.91 and $33.14 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$31.91 – $32.52 – $33.14
Typical daily range (% of price)its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price2.1%
Stretch from the 200-day averageit is trading 0.1 daily ranges below its 200-day average price (0.2% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale0.1 daily ranges below its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.83×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

2
Since a doji6 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level6 sessions ago
Since a hammer1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close1 session ago

Price gaps

2
Gap at the openit opened on 2026-08-21 0.5% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.5%
Open gapit gapped 3.3% below the previous close 19 sessions ago and has not traded back through the level it left behind at 34.09 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed-3.3%

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 9.9 percentage points (the stock lost 7.6% while the market gained 2.3%)-9.9%
vs market, 3 monthsover the past 3 months this stock lagged the market by 5.8 percentage points (the stock lost 2.7% while the market gained 3.1%)-5.8%
vs market, 6 monthsover the past 6 months this stock lagged the market by 13.4 percentage points (the stock lost 2.3% while the market gained 11.1%)-13.4%
vs market, 12 monthsover the past 12 months this stock lagged the market by 12.5 percentage points (the stock gained 7.9% while the market gained 20.5%)-12.5%

Signal agreement

2
Bullish technical signals1 of the 9 technical signals we can compute for it is currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day — these describe past price behaviour, not a forecast1 of 9
Bearish technical signals4 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast4 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 4.6% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 2.1% of the share price.-4.6%

Volume-weighted price

2
Vs this year’s average price paidthe price is 2% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $32.75 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP.-2.1%
Vs the average paid since it last reportedthe price is 1% below the average price paid since it last reported on 2026-07-24 (its 10-Q), so the typical buyer over that stretch is under water. That average is $32.52 — a volume-weighted average of daily closes over 20 sessions, not a true tick-by-tick VWAP.-1.4%

Price levels it has turned at before

SBSI last closed at $32.07 on 2026-08-21. Since 2024-08-21 it has turned at 6 prices below its last close and 5 above; the 3 nearest below and the 3 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$32.45Resistance1.2% above the last closeturned there three times · 2025-02-06 to 2026-04-22
$31.54Support1.6% below the last closeturned there 17 times · 2024-09-11 to 2026-08-10
$33.34Resistance4.0% above the last closeturned there six times · 2025-01-28 to 2026-08-13
$30.45Support5.0% below the last closeturned there three times · 2025-02-03 to 2025-08-13
$34.33Resistance7.1% above the last closeturned there 7 times · 2024-08-29 to 2026-05-01
$29.70Support7.4% below the last closeturned there six times · 2025-01-10 to 2026-01-02

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.

This labelling fails — stops being a possible reading at all — if it closes above $33.37.

This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $26.02 and $28.83 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $33.37.

This labelling was already in place when we began recording count changes on 2026-08-12, so how long it has stood is not something we can say yet.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Mean price target$35.00 range $33.00 – $37.00

Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for SBSI

  • Consensus EPS estimate$0.79 next reporting period, as of 2026-08-24

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["interest rate risk affecting net interest margin","credit risk associated with the loan portfolio, including commercial real estate exposures","market risk related to securities portfolio valuations"]

See SBSI's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of SBSI's 10-Q filed 2026-04-30 against the prior one filed 2025-10-28.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added 'AI' (Artificial intelligence) to acronyms list in newer filing (2026-04-30)
    • Reference updated from '2024 Form 10-K' to '2025 Form 10-K' with filing date changed to February 27, 2026 (newer filing)
    • Added 'SEC Securities and Exchange Commission' acronym definition in newer filing (older filing listed as 'U.S. Securities and Exchange Commission')
    • Balance sheet date changed to March 31, 2026 in newer filing versus September 30, 2025 in older filing
    • Consolidated balance sheet shows new line item 'Unsettled trades to purchase securities' at $106,603 thousand in newer filing (March 31, 2026)
    • Income statement period changed to three months ended March 31 in newer filing (older filing shows three and nine months ended September 30)
  • Removed:
    • Removed 'Unsettled trades to sell securities' line item from newer balance sheet (was $9,093 thousand in older filing)
    • Removed nine-month comparative period from consolidated statements of income in newer filing
  • Reworded:
    • SEC acronym definition changed from 'U.S. Securities and Exchange Commission' (older) to 'Securities and Exchange Commission' (newer)
    • Form 10-K reference changed from year ended December 31, 2024 (older, filed February 27, 2025) to year ended December 31, 2025 (newer, filed February 27, 2026)
  • Notes:
    • The two filings represent different reporting periods (Q3 2025 versus Q1 2026) and thus contain substantially different financial statement numbers and comparative periods, making direct period-over-period comparison limited to structural and definitional changes
    • Newer filing is truncated at consolidated statements of comprehensive income section, so full MD&A comparison cannot be completed

Risk Factors

  • Added:
    • Reference to 2025 Form 10-K (filed 2026-04-30) vs. 2024 Form 10-K (filed 2025-10-28)
    • Added disclosure: 'During the last four months of 2025, the Federal Reserve reduced the target federal funds rate by 75 basis points to 3.50% to 3.75%. During the three months ended March 31, 2026, the Federal Reserve held the target federal funds rate steady.' (filed 2026-04-30)
    • Added statement: 'If the federal funds rate remains elevated or is not further reduced, it may negatively impact our net interest income.' (filed 2026-04-30)
    • Comparative period changed from three and nine months ended September 30, 2025/2024 to three months ended March 31, 2026/2025
  • Removed:
    • Removed nine-month comparative data tables (filed 2025-10-28)
    • Removed disclosure: 'During the third quarter of 2025, the Federal Reserve reduced the target federal funds rate by 25 basis points to 4.00% to 4.25.' (filed 2025-10-28)
    • Removed statement: 'If the federal funds rate remains elevated, it may negatively impact our net interest income.' (filed 2025-10-28) and replaced with modified language
  • Reworded:
    • Federal Reserve rate discussion updated from 'During the third quarter of 2025' language (filed 2025-10-28) to 'During the last four months of 2025' with additional quarterly update for Q1 2026 (filed 2026-04-30)
    • Risk language modified from 'If the federal funds rate remains elevated' to 'If the federal funds rate remains elevated or is not further reduced' (filed 2026-04-30)
  • Notes:
    • Older filing text appears truncated at end of net interest income paragraph; cannot fully assess completeness of removal vs. truncation
    • These appear to be Q1 10-Q (filed 2026-04-30) and Q3 10-Q (filed 2025-10-28) filings with different reporting periods, so some variance is expected

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 1 open-market sale by insiders in the last 90 days.

  • Last 90 days0 buys · 1 sell ($16223) — 1 selling insider
  • Last 180 days0 buys · 1 sell ($16223) — 1 selling insider

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-06-09. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Congressional trading disclosures

U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for SBSI from U.S. House Clerk Periodic Transaction Report filings.

Congressional trading disclosures →

Institutional ownership (13F)

5 institutional 13F filers reported holding SBSI as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 6,032,702
  • Reported value $187,556,734

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 0 increased, 5 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

SBSI had 740,160 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

SBSI had 2.48% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.33 days to cover at the same settlement.

  • Reported short interest (shares) 740,160
  • Short interest (% of shares outstanding) 2.48%
  • Prior settlement (shares) 729,398
  • Reported change 1.48%
  • Days to cover (reported) 4.33

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does SOUTHSIDE BANCSHARES INC (SBSI) do?

Southside Bancshares, Inc. is a Texas-based bank holding company that operates through its wholly owned subsidiary, Southside Bank. The company provides a full range of financial services, including commercial and consumer banking, mortgage lending, and trust services to individuals and businesses.

What sector is SOUTHSIDE BANCSHARES INC (SBSI) in?

SOUTHSIDE BANCSHARES INC (SBSI) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.

Does SBSI pay a dividend?

Yes — SOUTHSIDE BANCSHARES INC (SBSI) pays a dividend, with an indicated yield of about 4.99% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.

Who are SOUTHSIDE BANCSHARES INC's (SBSI) competitors?

Notable peers of SOUTHSIDE BANCSHARES INC (SBSI) include Comerica, Frost Bank (Cullen/Frost Bankers, Inc. - CFR), Texas Capital Bancshares, Hilltop Holdings and Prosperity Bancshares. This peer set is informational only — not financial advice.

Has there been recent Congressional stock trading in SBSI?

Yes — we hold 2 matched STOCK Act disclosures for SBSI from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.

Is SOUTHSIDE BANCSHARES INC (SBSI) overbought or oversold right now?

SOUTHSIDE BANCSHARES INC (SBSI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 39, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on SBSI come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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