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

SBSI POWR Grades

• Stability is the dimension where SBSI ranks best; there it ranks ahead of 92.89% of US stocks.
• SBSI's strongest trending metric is Momentum; it's been moving up over the last 52 weeks.
• SBSI ranks lowest in Growth; there it ranks in the 6th percentile.

SBSI Stock Summary

• The ratio of debt to operating expenses for Southside Bancshares Inc is higher than it is for about 88.29% of US stocks.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 8.18 for Southside Bancshares Inc; that's greater than it is for 86.78% of US stocks.
• Southside Bancshares Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 30.23%, greater than the shareholder yield of 92.49% of stocks in our set.
• Stocks that are quantitatively similar to SBSI, based on their financial statements, market capitalization, and price volatility, are MBWM, KFFB, ONB, NFBK, and FLIC.
• 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

• In comparison to the median Financial Services stock, SBSI's price/sales ratio is 300% higher, now standing at 4.8.
• SBSI's EV/EBIT ratio has moved down 20.4 over the prior 243 months.
• Over the past 243 months, SBSI's price/sales ratio has gone up 2.5.

Below are key valuation metrics over time for SBSI.

SBSI Growth Metrics

• Its 3 year net income to common stockholders growth rate is now at 59.36%.
• Its 2 year cash and equivalents growth rate is now at -57.3%.
• The 4 year cash and equivalents growth rate now stands at 63.92%.

Over the past 15 months, SBSI's revenue has gone up $62,160,000.

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
2021-06-30	252.603	153.27	112.054
2021-03-31	251.919	154.834	112.291
2020-12-31	216.796	90.52	82.153
2020-09-30	202.777	70.903	69.916
2020-06-30	192.783	63.259	62.634
2020-03-31	190.443	58.233	59.69

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 36.91% of graded US stocks.
• SBSI's asset turnover comes in at 0.036 -- ranking 260th of 433 Banking stocks.
• ISTR, TBK, and COF are the stocks whose asset turnover ratios are most correlated with SBSI.

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