Should I buy, hold, or sell SBSI stock right now?

Southside Bancshares Inc. (SBSI) currently earns a Roarable Rating of C (Hold — HOLD) with 64/100 RQD Confidence. Solid steady margins (8% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

What is SBSI's 12-month price target and RQD AI Jury consensus?

SBSI's 12-month base price target is $34.57 (range $26.96 to $40.79), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / SBSI

EQBK (56) EGBN (54) MCBS (62) MBWM (56) ⌘ Pro Terminal →

Southside Bancshares Inc. (SBSI) — RQD Stock Rating Cockpit

$33.66 +1.11% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $33.66

Southside Bancshares Inc. (SBSI) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $1.00B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on SBSI Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SBSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

▼

As of 2026-11-03, Southside Bancshares Inc. (NYSE: SBSI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $33.66 (+1.11% 1D, market cap $1.00B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, SBSI ranks #277 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SBSI compare to EQBK and EGBN in the Financials sector?

▼

Within the Financials sector (Major Banks), SBSI carries a Roarable C (64/100 RQD), trailing P/E of 14.3x, gross margin of —, and ROIC of 8.2%. By comparison, EQBK (Equity Bancshares Inc. (Class A)) holds a D+ grade (56/100 RQD, P/E 44.5x, ROIC 3.1%, cap $1.00B) and EGBN (Eagle Bancorp Inc.) posts a D+ grade (54/100 RQD, P/E N/A, ROIC -12.2%, cap $1.01B). Among the 5-stock peer group, MBWM leads on earnings multiple (11.8x) while MCBS leads on capital efficiency (12.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for SBSI?

▼

Per SBSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000705432), Southside Bancshares Inc. generated $3.58B in revenue (-0.0% YoY), $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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $33.66 (+0.01%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk C-

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SBSI)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY SBSI SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Macro Regime Fit11/20 pts (-9 pt drag)

Macro rate sensitivity & RSI-14 (71.9) create a -9 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$30.38+1.8% Next Q

Q2 (-2Q)

Grade C$30.92+2.7% Next Q

Q3 (-1Q)

Grade C$31.77+5.9% Next Q

Current

Grade C$33.66+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SBSI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) 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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($31.42) or 200D SMA ($32.42) invalidates the momentum regime and cuts Target Base ($34.57) toward Bear Floor ($26.96).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SBSI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SBSI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

RSI-14 MOMENTUMOVERBOUGHT (>70)

71.930 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE70% OF RANGE

L: $28$33.66H: $36

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: C-RQD 24 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on SBSI

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

8.2% ROIC with 42.0% gross margin and 7.40% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

28/40 institutional & smart-money positioning score with 11/20 macro alignment.

Bull Case: Why Buyers Like SBSI

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (SBSI Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

SBSI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.41%⚡ TESTING RESISTANCE

2026-11-03O $33.29H $33.66L $33.29C $33.66VOL 234.6K

RES: $34.19SUP: $28.82SMA50: $31.42SMA200: $32.42

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SBSI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SBSI Butterfly Map → + Track SBSI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

6.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SBSI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SBSI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SBSI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SBSI)

Financials Rank #277 of 1096 ⚔️ EQBK vs SBSI Full Matrix →

1. Head-to-Head Financials Peer Comparison (SBSI vs. EQBK, EGBN, MCBS, MBWM)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Southside Bancshares Inc. (SBSI) ranks #277 by composite RQD confidence (64/100, grade C) and #554 by equity capitalization ($1.00B). Within this direct 5-issuer industry benchmark cohort, MBWM leads on earnings valuation at 11.8x trailing P/E, while MCBS leads on capital efficiency and profitability with 12.6% ROIC and — gross margin. SBSI currently leads its immediate peer cohort in composite quantitative strength at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SBSI ACTIVE Southside Bancshares Inc.	C	64/100	14.3x	—	8.2%	+1.11%	$1.00B	Benchmark Subject
EQBK Equity Bancshares Inc. (Class A)	D+	56/100	44.5x	—	3.1%	-0.88%	$1.00B	/eqbk-vs-sbsi →
EGBN Eagle Bancorp Inc.	D+	54/100	—	—	-12.2%	-0.57%	$1.01B	/egbn-vs-sbsi →
MCBS MetroCity Bankshares Inc.	C	62/100	15.1x	—	12.6%	-0.47%	$1.03B	/mcbs-vs-sbsi →
MBWM Mercantile Bank Corporation	D+	56/100	11.8x	—	12.2%	-1.38%	$1.03B	/mbwm-vs-sbsi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000705432

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Southside Bancshares Inc. (SBSI) reported GAAP revenue of $3.58B (-0.0% vs. FY2024 revenue of $3.58B , and +816.7% cumulative change since FY2023) , 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	$3.58B	$69.2M	$93.8M	$73.5M	$8.51B	—
FY2024 (FY)	2024-12-31	$3.58B	$88.5M	$101.8M	$90.7M	$8.52B	—
FY2023 (FY)	2023-12-31	$390.1M	$86.7M	$79.9M	$79.9M	—	—

3. SBSI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SBSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does SBSI compare to EQBK and EGBN in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for SBSI?

Where is SBSI trading relative to its 50-day, 200-day, and 52-week technical levels?

SBSI last traded at $33.66 (+1.11% on volume of 234,563 shares), positioning the stock +7.13% above its 50-day simple moving average ($31.42) and +3.82% above its 200-day simple moving average ($32.42). Across its 52-week range of $27.59 to $36.20, SBSI sits at the 70.5% percentile with a 14-day RSI of 71.9 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.5% ($32.15 to $35.17).

Direct Sub-Reports: SBSI RQD Cockpit SBSI 12M Forecast SBSI Earnings & Move SBSI Dividends & DRIP SBSI Insiders & 13F SBSI Whale Options SBSI Profit Sankey SBSI News & Why

ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

SBSI — Southside Bancshares Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:31:21Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD Score is 64 (letter grade C; verdict label "Roarable Hold — Fair / Balanced Risk-Reward") . Across the five pillars:

Fundamental Cash Engine: 12 / 20. this reflects ROIC of 8.2% and FCF yield of 7.4%. For a prospective investor, these are the core cash-generation inputs; the pillar score is moderate rather than strong.
Whale / 13F Flow: 12 / 20. this reflects institutional accumulation and options positioning. The underlying 13F and options detail is not itemized in the source data, so the score cannot be traced to specific holders.
Insider Conviction: 16 / 20. this is the highest-scoring pillar and reflects SEC Form 4 and Congressional PTR cluster flow. It is the strongest supportive signal in the rating, though the individual transactions are not listed in the source data.
Macro Regime Fit: 11 / 20. this reflects Beta of 1.0 and sector sensitivity, indicating market-level volatility with no outsized macro sensitivity claimed.
Forensic Balance Sheet: 13 / 20. this reflects Altman Z of 2.5, Piotroski F of 4/9, and Debt/Equity of 0.5. This is a middling forensic profile.

Taken together, the rating frames SBSI as a balanced setup: insider flow and cash metrics offer support, while macro fit and forensic scores cap the grade. The upside case rests on sustained cash generation and insider conviction; the valuation tradeoff is that a 14.3 trailing P/E sits against a 64 composite that does not signal exceptional quality. This is an analytical framing, not personalized advice.

2. Business Model, Unit Margins & SEC Financial Trajectory

Southside Bancshares Inc. Is a NYSE-listed issuer in the Financials sector, Major Banks industry. The market capitalization is $1.0B. — for further business detail.

Net income declined from $88.5M in FY 2024 to $69.2M in FY 2025, while FCF moved from $90.7M to $73.5M. ROIC is 8.2%, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5. Cash reported for FY 2025 is $389.8M, down from $426.2M in FY 2024.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Insider conviction (16/20) and a 7.4% FCF yield support the rating despite a 14.3 trailing P/E. With Fundamental Cash Engine at 12/20 (ROIC 8.2%, FCF yield 7.40%) and Institutional Whale Flow at 12/20, sustained execution supports upside toward the top of the $27.59 – $36.20 52-week range.
🐻 Primary Bear Case: A RED-flagged news item reports fair value falling after analysts trimmed targets on margin pressure. Investors must weigh 14.3x trailing P/E against — operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source data therefore does not establish specific supplier, customer, or sector-correlation dependencies. For a prospective investor, the relevant second-order watch item comes from the news feed rather than the graph: the margin-pressure headline suggests net interest margin is the transmission channel to monitor. — for quantified sector correlation.

Key Question #1: What drove the revenue reported at — in every period, and why are operating and EPS fields unpopulated?
Key Question #2: What are the total debt and cash balances at period end, given debt is N/A across all periods?
Key Question #3: How much of the margin pressure cited in the RED-flagged headline is reflected in the reported FY 2025 net income decline?

SBSI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Southside Bancshares Inc. (SBSI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to SBSI Debate Forum (3) ↓

🔴 RISK WATCH Yahoo Finance • 20h ago

Southside Bancshares (SBSI) Stock Fair Value Falls After Analysts Trim Targets On Margin Pressure

Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 23h ago

Analysts Offer Insights on Financial Companies: Southside Bancshares (SBSI), Rocket Companies (RKT) and Preferred Bank (PFBC)

The Globe and Mail report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 1d ago

Southside Bancshares (SBSI) Expected to Beat Earnings Estimates: Should You Buy?

Yahoo Finance report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE GuruFocus • 1d ago

Southside Bancshares (SBSI) Posts Strong Q3 Results, Reinforces Dividend Sustainability

GuruFocus report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Earnings Flash (SBSI) Southside Bancshares, Inc. Reports Q3 Revenue $74.0M, vs. FactSet Est of $72.7M

www.marketscreener.com report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Southside Bancshares Q3 2026 Earnings Call Transcript

Benzinga report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Southside Bancshares (SBSI) Stock Rises As Q3 Earnings Strengthen Margins

Simply Wall St report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Quiver Quantitative • 1d ago

SOUTHSIDE BANCSHARES ($SBSI) Releases Q3 2026 Earnings

Quiver Quantitative report covering Southside Bancshares Inc. (SBSI) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

SBSI Bull vs. Bear Conversation Board — What's Your Call at $33.66?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SBSI 🐻 33% BEARISH CONVICTION

TA TapeReader_Pro Price Action & Volume Trader 🐂 BULLISH 🎯 Target: $41.74 (+24.0%)

📌 Pinned Debate

Insider conviction (16/20) and a 7.4% FCF yield support the rating despite a 14.3 trailing P/E.

Here is why I am bullish on SBSI here at $33.66: Insider conviction (16/20) and a 7.4% FCF yield support the rating despite a 14.3 trailing P/E.. Compare SBSI's 0.0% operating margin and 8.2% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $31.98 are getting bought.

CapAlloc_Nerd 🐂 BULL

@ShortSeller_Dan Fair point on 14.3x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan Forensic Short Bias 🐻 BEARISH 🎯 Target: $26.25 (-22.0%)

Spot @ $33.66

A RED-flagged news item reports fair value falling after analysts trimmed targets on margin pressure.

Careful chasing SBSI at $33.66. A RED-flagged news item reports fair value falling after analysts trimmed targets on margin pressure.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $26.25 on multiple compression.