SBSI · Southside Bancshares Inc
$32.31
-0.22 (-0.68%)
At close · Aug 19
Market Cap
$971.44M
Shares
29.81M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$32.31
Open$32.66
Day$32.04–32.91
52W close$26.44–35.74
Avg vol 30d137K
Short int740K · 2.5% float · 4.3d
Short vol68%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Jul 24
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Jul 24, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Buy
Momentum
Weak
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+1%
above
Price vs 50-day avg
−4%
below
RSI (14)
41
neutral
MACD trend
Positive
52-week position
63%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−6%
trailing
6-month return
0%
trailing
YTD return
+6%
this year
Relative strength
−11%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $34 › 200d $32 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +24 funds added
Insider flow
Distributing
Net -$16.2K over 90 days · 100% sells
Short interest
Rising
2.48% of float · ▲ +1.5% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
195 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
Revenue growth
−3%
Y/Y
EPS growth
−21%
Y/Y
Free cash flow
$73.5M
Valuation
P/E 12.8
in line
Balance sheet
$783.8M
net debt
Quant / Vol
risk profile
Volatility
24%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 24, 2026
Loan growth
· for the year
5%
Prior guidance
period ended
· from the Earnings Call filed Dec 31, 2024
Wealth management revenue increases
· 2025
at least 16%
Effective tax rate
· 2025
17.7%
Noninterest expense increase
· 2025
5.7%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+1%
Bullish
Price vs 50-day avg
−4%
Neutral
RSI (14)
41
Neutral
MACD trend
Positive
Bullish
52-week position
63%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $34 › 200d $32 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +24 funds added
Insider flow
Distributing
Net -$16.2K over 90 days · 100% sells
Short interest
Rising
2.48% of float · ▲ +1.5% MoM · 4.3 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
195 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $32 · 63%
Range high $36
vs 200-day avg +1%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized return on average assets | 1.23% | Q2 2026 | — |
| Annualized return on average shareholders' equity | 12.33% | Q2 2026 | — |
| Average deposit balance | $34,000 | Q2 2026 | — |
| Classified loans | 260.1M | Q2 2026 | — |
| Cost of interest bearing deposits | 2.49% | Q2 2026 | — |
| Cost of total deposits | 1.94% | Q2 2026 | — |
| Efficiency ratio | 54.42% | Q2 2026 | — |
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| Efficiency ratio (FTE) non-GAAP | 53.97% | Six Months Ended Jun 30, 2026 | — |
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| Estimated uninsured deposits as a percent of total deposits | 42.8% | Q2 2026 | — |
| Estimated uninsured deposits excluding affiliate and public fund deposits | 24.9% | Q2 2026 | — |
| Net charge-offs | 0.3M | Q2 2026 | — |
| Net interest margin | 2.8% | Q2 2026 | — |
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| Net interest margin (FTE) non-GAAP | 2.95% | Six Months Ended Jun 30, 2026 | — |
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| Net interest spread (FTE) non-GAAP | 2.31% | Six Months Ended Jun 30, 2026 | — |
| Noninterest bearing deposits as a percent of total deposits | 22.8% | Q2 2026 | — |
| Nonperforming assets | 9.8M | Q2 2026 | — |
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| Nonperforming assets to total assets ratio | 0.11% | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $22.84 | Jun 30, 2026 | — |
| Tax-equivalent net interest margin non-GAAP | 2.9% | Q2 2026 | — |
| Total available contingent liquidity | 1.99B | Q2 2026 | — |
| Total deposit accounts | 178,853 | Q2 2026 | — |
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| Annualized return on first quarter average shareholders' equity | 10.96% | first quarter ended March 31, 2026 | — |
| Linked quarter loan growth | 2.7% | first quarter ended March 31, 2026 | — |
| Annualized return on fourth quarter average assets | 0.99% | three months ended December 31, 2025 | — |
| Nonperforming assets as a percent of total assets | 0.45% | as of December 31, 2025 | — |
| Return on average assets | 0.83% | year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SBSI
this stock
Southside Bancshares Inc
|
$971.44M | +6.3% | -2.9% | 12.8 | 2.5% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SBSI | -1.6% | -5.6% | +0.3% | -0.6% | +6.3% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.2% | -8.5% | -11.3% | -3.6% | -6.5% |
Capital returns
Latest dividend
$0.37
/ share · ex Aug 20, 2026
Paid (TTM)
$1.81
/ share · 5 payouts
Dividend yield (TTM, derived)
5.60%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
705432
CUSIP
84470P109
13F (30d)
175 filings
172 filers
Visit website
Investor relations