ScoreComparison
Why is Southside Bancshares, Inc. ?
1
Positive results in Mar 26
- NII(Q) Highest at USD 57.69 MM
- OPERATING CASH FLOW(Y) Highest at USD 119.34 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 71.95%
2
With ROA of 0.46%, it has a expensive valuation with a 1.27 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 20.38%, its profits have fallen by -21.8%
3
High Institutional Holdings at 61.64%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.61% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Southside Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Southside Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Southside Bancshares, Inc.
20.38%
1.36
25.43%
S&P 500
20.78%
1.56
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.70%
EBIT Growth (5y)
-7.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
62.92%
Pledged Shares
0
Institutional Holding
61.64%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
1.27
EV to EBIT
19.24
EV to EBITDA
16.77
EV to Capital Employed
1.20
EV to Sales
3.44
PEG Ratio
NA
Dividend Yield
4.05%
ROCE (Latest)
6.23%
ROE (Latest)
8.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NII(Q)
Highest at USD 57.69 MM
OPERATING CASH FLOW(Y)
Highest at USD 119.34 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 71.95%
PRE-TAX PROFIT(Q)
Highest at USD 29.09 MM
NET PROFIT(Q)
Highest at USD 23.9 MM
EPS(Q)
Highest at USD 0.78
-3What is not working for the Company
NET PROFIT(9M)
At USD 49.78 MM has Grown at -21.97%
CASH AND EQV(HY)
Lowest at USD 154.08 MM
Here's what is working for Southside Bancshares, Inc.
NII
Highest at USD 57.69 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 119.34 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Pre-Tax Profit
Highest at USD 29.09 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 29.09 MM has Grown at 40.82%
over average net sales of the previous four periods of USD 20.66 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 23.9 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.78
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 71.95%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Southside Bancshares, Inc.
Cash and Eqv
Lowest at USD 154.08 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 13.66%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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