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Southside Bancshares Inc

Southside Bancshares Inc

SBSI
$32.07USD↓-0.06%-0.02 today

MARKET CAP

955.9M

P/E (TTM)

12.5x

FWD P/E

9.9x

DAY RANGE

$32 – $33

52W RANGE

$26
$36

AI Summary

Stalk
StalkMedium

SBSI remains in a Stage 2 advancing uptrend underpinned by sequential higher highs and higher lows. Although price has pulled back below the 9 EMA and 20 EMA and short-term momentum indicators are neutral, the stock continues to hold above rising 50 SMA and 200 SMA. The medium-term bullish bias is intact, but short-term timing is unfavorable. We will stalk for a disciplined pullback into structural support before committing.

  • ↑Q2 net income rose 15.4% YoY to $26.8M; EPS $0.90
  • ↑New loan production of $293M in Q2; $1.47B pipeline
  • ↓Net interest margin fell to 2.90% as funding costs rose
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Southside Bancshares, Inc. (NASDAQ: SBSI) is a prominent regional bank located in Texas, focusing on providing a diverse range of financial services, including commercial banking, mortgage lending, and investment management. The bank has strategically positioned itself within the local economy, emphasizing commercial real estate and small business lending to drive profitability. It operates through an extensive branch network and aims to leverage the growing Texas market, characterized by strong economic indicators, to further bolster its market presence and financial performance.

Bull says

  • ↑Q2 net income rose 15.4% YoY to $26.8M; EPS $0.90
  • ↑New loan production of $293M in Q2; $1.47B pipeline
  • ↑Wealth management unit to drive double-digit revenue growth in 2026
  • ↑Repurchased 424K shares at $28.13; Dividend yield 4.43%
  • ↑Texas economy outpaces U.S., fueling regional lending demand
  • ↑Strong earnings yield and momentum factors; disciplined leverage

Bear says

  • ↓Net interest margin fell to 2.90% as funding costs rose
  • ↓Mid-single-digit loan growth guide due to elevated payoffs
  • ↓Intense competition from debt funds limits pricing power
  • ↓Non-performing assets at 0.45% of assets, up from lows
  • ↓Profitability and analyst revision scores are weak
  • ↓Funding cost pressures and aggressive lenders threaten margins

Investment themes with SBSI

Regional Banks↓ -1.16%

FLG · TCBI · ZION

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-04-2026bullish

Transcript signals

Bull points

  • welcome to Southside Bank Share's second quarter 2025 earnings call
  • For the second quarter, we reported net income of $21.8 million, an increase of $306,000, or 1.4%, compared to the first quarter
  • As of June 30th, loans were $4.60 billion, a linked quarter increase of $34.7 million, or 0.8%. The linked quarter increase was primarily driven by an increase of $28.8 million in commercial real estate loans, $12.3 million in construction loans, and $9 million in commercial loans

Bear points

  • a decrease of $7.5 million in municipal loans and $5.3 million in one-to-four family residential loans
  • As of June 30th, our loans with oil and gas industry exposure were $53.8 million, or 1.2% of total loans, compared to $111 million or 2.4% linked quarter
  • we are slightly lowering our loan growth guidance to 3% to 4% year over year.
Read full transcript analysis ›