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

SBSI POWR Grades

• Stability is the dimension where SBSI ranks best; there it ranks ahead of 73.6% of US stocks.
• SBSI's strongest trending metric is Quality; it's been moving up over the last 177 days.
• SBSI's current lowest rank is in the Sentiment metric (where it is better than 3.25% of US stocks).

SBSI Stock Summary

• For SBSI, its debt to operating expenses ratio is greater than that reported by 84.58% of US equities we're observing.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 10.41 for SOUTHSIDE BANCSHARES INC; that's greater than it is for 90.65% of US stocks.
• With a year-over-year growth in debt of 57.52%, SOUTHSIDE BANCSHARES INC's debt growth rate surpasses 87.54% of about US stocks.
• Stocks that are quantitatively similar to SBSI, based on their financial statements, market capitalization, and price volatility, are DCOM, BRKL, PBHC, CZWI, and HONE.
• SBSI's SEC filings can be seen here. And to visit SOUTHSIDE BANCSHARES INC's official web site, go to www.southside.com.

SBSI Valuation Summary

• In comparison to the median Financial Services stock, SBSI's EV/EBIT ratio is 4.63% higher, now standing at 11.3.
• Over the past 243 months, SBSI's EV/EBIT ratio has gone down 26.9.

Below are key valuation metrics over time for SBSI.

SBSI Growth Metrics

Its 5 year net income to common stockholders growth rate is now at 17.45%.
• Its 3 year cash and equivalents growth rate is now at -30.69%.
• The 4 year net income to common stockholders growth rate now stands at 17.45%.

Over the past 34 months, SBSI's revenue has gone up $59,514,000.

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
2022-12-31	249.957	226.517	105.02
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

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.