Southside Bancshares Inc. (SBSI) earns a Roarable Rating of B- (Buy) with 71/100 RQD Confidence. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 66% of 52W Range • RSI-14 at 75.4 (OVERBOUGHT (>70))
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Capital intensity & 0% operating margin leave 8 pts on the table
Even with a 71/100 (B-) score, SBSI faces multiple-compression risk if 14.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.36) or 200D SMA ($32.41) invalidates the momentum regime and cuts Target Base ($35.24) toward Bear Floor ($27.30).
Southside Bancshares Inc. (SBSI) surged +5.25% to $33.29, trading at 66% of its 52-week range ($27.59 – $36.2). High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.
Southside Bancshares reported third quarter 2026 net interest income of US$60.3 million and net income of US$27.98 million, with basic earnings per share from continuing operations at US$0.94. The bank’s nine month 2026
Southside Bancshares (NYSE:SBSI) reported third-quarter net income of $28 million, up 4.2% from the prior quarter, as higher loan and securities yields and flat funding costs supported an expansion in net interest margin
Moby summary of Southside Bancshares, Inc.'s Q3 2026 earnings call
Net interest margin expanded 12 basis points as loan repricing accelerates.
Southside Bancshares, Inc. (SBSI) Q3 2026 Earnings Call October 29, 2026 12:00 PM EDTCompany ParticipantsLindsey Bailes - Senior VP & Investor Relations...
Southside Bancshares Q3 2026 EPS of $0.93 and revenue of $76.1M beat estimates, sending SBSI stock higher as margin and credit trends draw investor focus.
Southside Bancshares (NASDAQ:SBSI) reported third-quarter financial results on Thursday. The transcript from the company’s third-quarter earnings call has been provided below.This transcript is brought to you by
The headline numbers for Southside Bancshares (SBSI) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates a
Southside Bancshares (SBSI) delivered earnings and revenue surprises of +17.72% and +4.95%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SBSI today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SBSI. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Southside Bancshares Inc. (SBSI) ranks #122 by composite RQD confidence (71/100, grade B-) and #557 by equity capitalization ($992.3M). Within this direct 5-issuer industry benchmark cohort, CPF leads on earnings valuation at 12.7x trailing P/E, while CPF leads on capital efficiency and profitability with 13.1% ROIC and — gross margin. CPF currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with SBSI at 71/100 (B-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SBSI
ACTIVE
Southside Bancshares Inc. | B- | 71/100 | 14.3x | — | 8.2% | +5.25% | $992.3M | Benchmark Subject |
| CAC Camden National Corporation | C- | 61/100 | 15.2x | — | 9.4% | +0.43% | $989.2M | /cac-vs-sbsi → |
| CPF Central Pacific Financial Corp | B | 73/100 | 12.7x | — | 13.1% | +2.11% | $984.4M | /cpf-vs-sbsi → |
| HAFC Hanmi Financial Corporation | C+ | 68/100 | 12.9x | — | 7.5% | +1.32% | $982.3M | /hafc-vs-sbsi → |
| EQBK Equity Bancshares Inc. (Class A) | D+ | 53/100 | 44.5x | — | 3.1% | +0.99% | $1.01B | /eqbk-vs-sbsi → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Southside Bancshares Inc. (SBSI) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $69.2M, operating cash flow of $93.8M, and free cash flow of $73.5M (-19.0% YoY). On the balance sheet, SBSI closed FY2025 with $8.51B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $69.2M | $93.8M | $73.5M | $8.51B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $88.5M | $101.8M | $90.7M | $8.52B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $86.7M | $79.9M | $79.9M | — | — |
As of 2026-11-01, Southside Bancshares Inc. (NYSE: SBSI) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 71/100 at a spot price of $33.29 (+5.25% 1D, market cap $992.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBSI ranks #122 in composite RQD confidence.
Within the Financials sector (Major Banks), SBSI carries a Roarable B- (71/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 8.2%. By comparison, CAC (Camden National Corporation) holds a C- grade (61/100 RQD, P/E 15.2x, ROIC 9.4%, cap $989.2M) and CPF (Central Pacific Financial Corp) posts a B grade (73/100 RQD, P/E 12.7x, ROIC 13.1%, cap $984.4M). Among the 5-stock peer group, CPF leads on earnings multiple (12.7x) while CPF leads on capital efficiency (13.1% ROIC).
Per SBSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000705432), Southside Bancshares Inc. generated $0 in revenue, $69.2M in net income, and $73.5M in free cash flow against $8.51B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
SBSI last traded at $33.29 (+5.25% on volume of 268,704 shares), positioning the stock +6.15% above its 50-day simple moving average ($31.36) and +2.72% above its 200-day simple moving average ($32.41). Across its 52-week range of $27.59 to $36.20, SBSI sits at the 66.2% percentile with a 14-day RSI of 75.4 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.2% ($31.89 to $34.69).
Why SBSI Stock surged +5.25% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 8% return on capital) with steady institutional support.