Southside Bancshares, Inc. (SBSI): Price and Financial Metrics

SBSI POWR Grades

• Stability is the dimension where SBSI ranks best; there it ranks ahead of 87.84% of US stocks.
• The strongest trend for SBSI is in Stability, which has been heading down over the past 179 days.
• SBSI's current lowest rank is in the Sentiment metric (where it is better than 4.83% of US stocks).

SBSI Stock Summary

• With a year-over-year growth in debt of -42.21%, SOUTHSIDE BANCSHARES INC's debt growth rate surpasses only 6.93% of about US stocks.
• In terms of volatility of its share price, SBSI is more volatile than only 4.95% of stocks we're observing.
• Shareholder yield, a measure of how much is returned to shareholders via dividends and share repurchases, for SBSI comes in at 36.21% -- higher than that of 95.93% of stocks in our set.
• Stocks that are quantitatively similar to SBSI, based on their financial statements, market capitalization, and price volatility, are BY, DCOM, PWOD, UVSP, and RNST.
• Visit SBSI's SEC page to see the company's official filings. To visit the company's web site, go to www.southside.com.

SBSI Valuation Summary

• SBSI's price/earnings ratio is 11; this is 3.51% lower than that of the median Financial Services stock.
• Over the past 243 months, SBSI's price/sales ratio has gone up 2.1.

Below are key valuation metrics over time for SBSI.

SBSI Growth Metrics

The 3 year net cashflow from operations growth rate now stands at 76.92%.
• The 4 year revenue growth rate now stands at 13.93%.
• Its 2 year net cashflow from operations growth rate is now at 207.5%.

SBSI's revenue has moved down $3,335,000 over the prior 15 months.

The table below shows SBSI's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	249.268	235.818	106.039
2022-06-30	251.024	203.918	108.394
2022-03-31	245.119	179.066	104.306
2021-12-31	255.857	156.104	113.401
2021-09-30	256.176	168.919	114.286
2021-06-30	252.603	153.27	112.054

SBSI's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• SBSI has a Quality Grade of C, ranking ahead of 42.25% of graded US stocks.
• SBSI's asset turnover comes in at 0.036 -- ranking 258th of 430 Banking stocks.
• TBK, MRLN, and CNNB are the stocks whose asset turnover ratios are most correlated with SBSI.

The table below shows SBSI's key quality metrics over time.