Southside Bancshares, Inc. (SBSI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Origin Bancorp, Inc.

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TriCo Bancshares

Preferred Bank (California)

Veritex Holdings, Inc.

S&T Bancorp, Inc.

Southside Bancshares, Inc.

Sandy Spring Bancorp, Inc.

PacWest Bancorp

Why is Southside Bancshares, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26

The company has declared positive results for the last 2 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 145.12 MM
CREDIT DEPOSIT RATIO(HY) Highest at 80.23%
NET SALES(Q) Highest at USD 103.92 MM

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 14.60%, its profits have fallen by -21.8%

High Institutional Holdings at 67.25%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 5.61% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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, Medium Return

Absolute

Risk Adjusted

Volatility

Southside Bancshares, Inc.

11.68%

0.96

25.57%

S&P 500

21.34%

1.69

13.20%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.70%

EBIT Growth (5y)

-7.71%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

62.92%

Pledged Shares

Institutional Holding

61.64%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

Dividend Yield

4.05%

ROCE (Latest)

6.23%

ROE (Latest)

8.16%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Mildly Bullish

RSI

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

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

11What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 145.12 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 80.23%

NET SALES(Q)

Highest at USD 103.92 MM

OPERATING PROFIT(Q)

Highest at USD 32.58 MM

PRE-TAX PROFIT(Q)

Highest at USD 32.58 MM

NET PROFIT(Q)

Highest at USD 26.82 MM

EPS(Q)

Highest at USD 0.9

-4What is not working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 40.1%

CASH AND EQV(HY)

Lowest at USD 147.73 MM

Here's what is working for Southside Bancshares, Inc.

Operating Cash Flow

Highest at USD 145.12 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 103.92 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Profit

Highest at USD 32.58 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (USD MM)

Pre-Tax Profit

Highest at USD 32.58 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 32.58 MM has Grown at 52.43%

over average net sales of the previous four periods of USD 21.37 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 26.82 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 26.82 MM has Grown at 49.87%

over average net sales of the previous four periods of USD 17.9 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.9

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Highest at 80.23%

in the last four Semi-Annual periods

MOJO 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.

Non Performing Loans (%)

Highest at 0.39%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 147.73 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Dividend Payout Ratio

Lowest at 40.1%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)