Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Southside Bancshares, Inc. (SBSI)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$34.36-3.24%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.23 → 3.46 EPS · FY ending Dec 31, 2027 · 4 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 6, 2026 to Nov 5, 2026: (new ÷ prior − 1). Contributor count changed from 4 to 4; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for SBSI yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Effective share buybacks | A supporting condition in Southside Bancshares, Inc.'s published investment case. The stated target is continue repurchasing shares under authorized plan. | Intact | buyback program is halted or significantly reduced | Qualitative condition This condition has no defined numerical measure. Nov 5, 2026Last status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
SBSI is a regional banking business with a measured, execution-led long-term thesis rather than a high-growth story. The thesis is intact, but confidence has eased to medium and the latest fresh-earnings assessment is mixed.
The valuation evidence describes SBSI as cheap versus peers, with expectations slightly below the model’s view and low fragility in what is priced in. The value assessment is otherwise neutral, so the evidence does not point to a large expectations gap.
Near term, recent earnings beats and a higher net interest margin support the business, while deposit funding costs have declined. Loans have grown, but the stated mid-single-digit annual growth goal was not reaffirmed in the later disclosure; nonperforming assets also rose from 0.11% to 0.18% of assets in 2026-Q3, despite remaining below their 2025-Q4 level.
Over the next few quarters, the thesis hinges on continued loan growth, lower funding costs, and maintaining sound asset quality. A guidance cut or rate cuts would be unfavorable risks, while continued strong earnings and higher guidance from sector peers could support sector momentum.
For the 1-3 year view, SBSI’s thesis is intact, with margin improvement and loan growth balanced by mixed recent signals and moderate risk. The evidence supports a cautious, execution-focused read. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A supporting condition in Southside Bancshares, Inc.'s published investment case. The stated target is achieve meaningful funding cost reductions. |
| Intact |
| funding costs rise or remain elevated next year |
Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Improve net interest margin | Profit margins stay stable with net interest margin improvements. | Intact | net interest margin declines materially next year | Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Date unavailableLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth of at least 6% annually | A primary condition in Southside Bancshares, Inc.'s published investment case. The stated target is >=6% YoY. | Intact | YoY revenue growth falls below 6% next year | Revenue growth: 4.88% FY2026-Q3; GAAP. Published target: >=6% YoY. Reported actuals cannot certify a consensus target without an explicit period and accounting-basis binding. Oct 29, 20264.881448 percent · calculatedLast status assessment Nov 5, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.48 → $3.46 · observed estimates
$0.31B → $0.31B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.48 | $313,770,200 | 4 / 3 |
| 2026-07-25 | $3.48 | $314,212,750 | 5 / 4 |
| 2026-07-26 | $3.48 | $314,212,750 | 5 / 4 |
| 2026-07-27 | $3.45 | $311,950,200 | 4 / 3 |
| 2026-07-28 | $3.45 | $311,937,750 | 5 / 4 |
| 2026-07-29 | $3.29 | $300,474,250 | 5 / 4 |
| 2026-07-30 | $3.34 | $307,150,200 | 4 / 3 |
| 2026-07-31 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-01 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-02 | $3.29 | $300,474,250 | 5 / 4 |
| 2026-08-03 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-04 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-05 | $3.24 | $300,659,400 | 5 / 5 |
| 2026-08-06 | $3.24 | $300,659,400 | 5 / 5 |
| 2026-08-08 | $3.24 | $300,659,400 | 5 / 5 |
| 2026-08-09 | $3.24 | $300,659,400 | 5 / 5 |
| 2026-08-10 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-12 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-13 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-14 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-15 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-16 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-17 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-18 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-19 | $3.29 | $302,779,400 | 4 / 3 |
| 2026-08-20 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-21 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-22 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-23 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-24 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-25 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-26 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-27 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-28 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-29 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-30 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-08-31 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-01 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-02 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-03 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-04 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-05 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-06 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-07 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-08 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-09 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-10 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-11 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-12 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-13 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-14 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-15 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-16 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-17 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-18 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-19 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-20 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-21 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-22 | $3.24 | $300,659,400 | 4 / 4 |
| 2026-09-23 | $3.23 | $300,659,400 | 4 / 4 |
| 2026-09-24 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-25 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-26 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-27 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-28 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-29 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-09-30 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-01 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-02 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-03 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-04 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-05 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-06 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-07 | $3.23 | $300,630,400 | 4 / 4 |
| 2026-10-08 | $3.24 | $300,630,400 | 4 / 4 |
| 2026-10-09 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-10 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-11 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-12 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-13 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-14 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-15 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-16 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-17 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-18 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-19 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-20 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-21 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-22 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-23 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-24 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-25 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-26 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-27 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-28 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-29 | $3.24 | $300,630,400 | 4 / 3 |
| 2026-10-30 | $3.42 | $306,146,200 | 4 / 3 |
| 2026-10-31 | $3.46 | $307,466,200 | 3 / 3 |
| 2026-11-01 | $3.46 | $307,466,200 | 3 / 3 |
| 2026-11-02 | $3.46 | $307,466,200 | 3 / 3 |
| 2026-11-03 | $3.46 | $307,466,200 | 4 / 3 |
| 2026-11-04 | $3.46 | $307,466,200 | 4 / 3 |
| 2026-11-05 | $3.46 | $307,466,200 | 4 / 3 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 0 Buy / Strong Buy · 5 Hold · 0 Sell / Strong Sell
Recent actions · Oct 7–Nov 5 · 0 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 7, 2026–Nov 5, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.