ScoreComparison
Why is Southside Bancshares, Inc. ?
1
Flat results in Dec 25
- NET PROFIT(HY) At USD 25.9 MM has Grown at -38.79%
- OPERATING CASH FLOW(Y) Lowest at USD 68.64 MM
- GROSS NPA (%)(Q) Highest at 1.01%
2
With ROA of 0.70%, it has a expensive valuation with a 1.26 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 3.64%, its profits have fallen by -21.8%
3
Underperformed the market in the last 1 year
- The stock has generated a return of 3.64% in the last 1 year, much lower than market (S&P 500) returns of 13.68%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Southside Bancshares, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Southside Bancshares, Inc.
3.67%
0.74
24.92%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.70%
EBIT Growth (5y)
-7.19%
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
62.88%
Pledged Shares
0
Institutional Holding
60.03%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
1.26
EV to EBIT
18.60
EV to EBITDA
16.76
EV to Capital Employed
1.19
EV to Sales
3.44
PEG Ratio
NA
Dividend Yield
4.08%
ROCE (Latest)
6.41%
ROE (Latest)
8.16%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NII(Q)
Highest at USD 57.25 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.36 %
NET SALES(Q)
Highest at USD 102.33 MM
OPERATING PROFIT(Q)
Highest at USD 32.09 MM
-9What is not working for the Company
NET PROFIT(HY)
At USD 25.9 MM has Grown at -38.79%
OPERATING CASH FLOW(Y)
Lowest at USD 68.64 MM
GROSS NPA (%)
(Q
Here's what is working for Southside Bancshares, Inc.
NII
Highest at USD 57.25 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Profit Margin
Highest at 31.36 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Sales
Highest at USD 102.33 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 32.09 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Here's what is not working for Southside Bancshares, Inc.
Net Profit
At USD 25.9 MM has Grown at -38.79%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 1.01%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 68.64 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Capital Adequacy Ratio
Lowest at 13.88%
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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