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

SBSI POWR Grades

• SBSI scores best on the Stability dimension, with a Stability rank ahead of 90.95% of US stocks.
• SBSI's strongest trending metric is Momentum; it's been moving up over the last 179 days.
• SBSI ranks lowest in Value; there it ranks in the 18th percentile.

SBSI Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 8.07 for Southside Bancshares Inc; that's greater than it is for 87.29% of US stocks.
• With a year-over-year growth in debt of -51.97%, Southside Bancshares Inc's debt growth rate surpasses only 6.95% of about US stocks.
• Southside Bancshares Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 48.7%, greater than the shareholder yield of 96.91% of stocks in our set.
• Stocks that are quantitatively similar to SBSI, based on their financial statements, market capitalization, and price volatility, are FLIC, PWOD, CZWI, BANC, and BY.
• 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 4 year net income to common stockholders growth rate is now at 24.01%.
• Its 3 year cash and equivalents growth rate is now at 294.34%.
• The 2 year cash and equivalents growth rate now stands at -57.3%.

Over the past 15 months, SBSI's revenue has gone up $53,080,000.

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
2021-12-31	255.857	156.104	113.401
2021-09-30	256.176	168.919	114.286
2021-06-30	252.603	153.27	112.054
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

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.