Southside Bancshares, Inc. (SBSI)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$32.83+1.20%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SBSI
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -13.5% |
| Our one-year growth estimate | diamond | -20.9% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.4 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
SBSI — earnings in line
Dated 2026-04-30
RESULTS OF OPERATIONS AND FINANCIAL CONDITION. On April 30, 2026, Southside Bancshares, Inc. issued a press release announcing its financial results for the first quarter ended March 31, 2026. A copy of the press release is attached as Exhibit 99.1 hereto and is hereby incorporated herein by reference. The information in this Current Report on Form 8-K, including the attached exhibit, is being furnished as provided in General Instruction B.2 to Form 8-K, to the Securities and Exchange Commiss…
Why it matters: More noninterest income can increase profits. It also reduces the need for interest income.
Supportive ifQ2 noninterest income growth exceeds 23.2%.
Worry ifQ2 noninterest income growth falls below 10%.
Why it matters: Redeeming subordinated notes may lower funding costs. This can help net interest income and margins.
Supportive ifFunding costs drop a lot after redeeming subordinated notes. This helps net interest margin.
Worry ifFunding costs do not drop as expected. This shows possible problems with cost management.
Why it matters: A higher net interest margin means more profit from loans and deposits.
Supportive ifIn Q2, the net interest margin is over 3.01%. This shows lower funding costs.
Worry ifIn Q2, the net interest margin is under 3.01%. This shows ongoing funding cost issues.
Why it matters: Lower funding costs can boost profits. This is a key management priority.
Supportive ifFunding costs decrease by more than 5% compared to the previous quarter.
Worry ifFunding costs increase or remain unchanged from the previous quarter.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$83 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $243 loss on $10,000 · 2.4% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,468 loss on $10,000 · 14.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in sector revenue growth could signal broader challenges for Southside.
Worry ifSector revenue growth falls below its median of 13% year over year.
Less concerning ifSector revenue growth remains at or above its median of 13% year over year.
Why it matters: Good performance shows strong operations. This may boost investor confidence.
Supportive ifQ3 earnings per share exceed $0.90.
Worry ifQ3 earnings per share fall below $0.85.
Why it matters: Higher loan growth indicates strong demand and can boost overall earnings.
Supportive ifQ2 loan growth surpasses 2.7%, showing strong lending activity.
Worry ifQ2 loan growth falls below 2.7%, indicating weak demand.
Why it matters: Meeting this target shows Southside is growing. It shows management can follow their plans.
Supportive ifLinked quarter loan growth of at least 2.5% for Q3 2026.
Worry ifLoan growth falls below 2% in Q3 2026.
Why it matters: A better net interest margin means more money from loans and deposits. It shows management is controlling costs.
Supportive ifNet interest margin exceeds 2.80% in Q3 2026.
Worry ifNet interest margin drops below 2.70% in Q3 2026.
Why it matters: More nonperforming assets may mean lower asset quality. This is important for keeping investor trust.
Worry ifNonperforming assets are below 0.15% of total assets in Q3 2026.
Less concerning ifNonperforming assets rise above 0.15% in Q3 2026.
Why it matters: Lower funding costs can boost net interest income and margins. This shows good management of debts.
Supportive ifCost of interest-bearing deposits drops below 2.40% in Q3 2026.
Worry ifCost of interest-bearing deposits goes above 2.50% in Q3 2026.