SBSI
Southside Bancshares·NYSE
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8.16 / 10
Outperform
Southside Bancshares demonstrates excellent fundamental quality, with a composite score of 8.16/10. Key strengths include a high fixed-asset turnover ratio (1393.32) and solid profitability metrics (ROA 0.8014%, net profit margin 1.0685%). However, concerns linger over a relatively high equity multiplier (10.38), signaling elevated leverage, and negative year-over-year profit trends. Overall, the balance of factors earns an 'Outperform' rating but with caution warranted.
Analysis Checks(6/7)
ROA (%)
Value0.80
Score3/3
Weight20.59%
1M Return5.36%
Value0.80
Score3/3
Weight20.59%
1M Return5.36%
Total profit (YoY growth rate %)
Value-0.83
Score3/3
Weight23.87%
1M Return6.21%
Value-0.83
Score3/3
Weight23.87%
1M Return6.21%
Annualized net profit margin on total assets (%)
Value1.07
Score3/3
Weight20.59%
1M Return5.36%
Value1.07
Score3/3
Weight20.59%
1M Return5.36%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value-3.85
Score3/3
Weight24.77%
1M Return6.51%
Value-3.85
Score3/3
Weight24.77%
1M Return6.51%
Equity multiplier
Value10.38
Score1/3
Weight-3.86%
1M Return-1.07%
Value10.38
Score1/3
Weight-3.86%
1M Return-1.07%
Fixed assets turnover ratio
Value1393.32
Score3/3
Weight6.89%
1M Return1.92%
Value1393.32
Score3/3
Weight6.89%
1M Return1.92%
Cost of sales ratio (%)
Value74.47
Score2/3
Weight7.16%
1M Return2.10%
Value74.47
Score2/3
Weight7.16%
1M Return2.10%
ROA (%)
Value0.80
Score3/3
Weight20.59%
1M Return5.36%
Value0.80
Score3/3
Weight20.59%
1M Return5.36%
Equity multiplier
Value10.38
Score1/3
Weight-3.86%
1M Return-1.07%
Value10.38
Score1/3
Weight-3.86%
1M Return-1.07%
Total profit (YoY growth rate %)
Value-0.83
Score3/3
Weight23.87%
1M Return6.21%
Value-0.83
Score3/3
Weight23.87%
1M Return6.21%
Fixed assets turnover ratio
Value1393.32
Score3/3
Weight6.89%
1M Return1.92%
Value1393.32
Score3/3
Weight6.89%
1M Return1.92%
Annualized net profit margin on total assets (%)
Value1.07
Score3/3
Weight20.59%
1M Return5.36%
Value1.07
Score3/3
Weight20.59%
1M Return5.36%
Cost of sales ratio (%)
Value74.47
Score2/3
Weight7.16%
1M Return2.10%
Value74.47
Score2/3
Weight7.16%
1M Return2.10%
Net profit attributable to parent company shareholders (YoY growth rate %)
Value-3.85
Score3/3
Weight24.77%
1M Return6.51%
Value-3.85
Score3/3
Weight24.77%
1M Return6.51%
Is SBSI undervalued or overvalued?
- SBSI scores 8.16/10 on fundamentals and holds a Discounted valuation at present. Backed by its 5.86% ROE, 29.15% net margin, 14.24 P/E ratio, 1.19 P/B ratio, and -16.61% earnings growth, these metrics solidify its Outperform investment rating.
