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Southside Bancshares Inc. (SBSI) Dividend Safety Gauge & 10-Year DRIP Compounder

$35.44 +5.29% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.71

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.

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?
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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 $35.44 (+5.29% 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?
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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?
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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: $35.71 (+0.76%)🧬 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
025507510064
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-
Cash (12)Whales (12)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$43 Bull$36 Base$28 Bear
📬 FREE SBSI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
56
Grade C$30.38+1.8% Next Q
Q2 (-2Q)
59
Grade C$30.92+2.7% Next Q
Q3 (-1Q)
61
Grade C$31.77+11.6% Next Q
Current
64
Grade C$35.44+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 ($36.40) toward Bear Floor ($28.39).

🎲 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 →
CASH DIVIDEND + BUYBACK YIELD
6.17% Total Yield
4.37% Cash ($1.55/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 • FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
38.4% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (11.1% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $28,651

Est. Year-10 Shareholder Yield: $1,768/yr
$11.1K
Yr 1
$12.3K
Yr 2
$13.7K
Yr 3
$15.2K
Yr 4
$16.9K
Yr 5
$18.8K
Yr 6
$20.9K
Yr 7
$23.2K
Yr 8
$25.8K
Yr 9
$28.7K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in SBSI & A-Rated Leaders

  • ✓12-month Bull/Base/Bear fair-value walkthrough on SBSI and its top sector peer
  • ✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • ✓Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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SBSI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +8.88%▲ RESISTANCE BREAKOUT
2026-11-03O $33.29H $35.44L $33.29C $35.44VOL 234.6K
RES: $31.44SUP: $28.82SMA50: $31.42SMA200: $32.42
$36.66$34.75$32.83$30.91$29.00RES $31.44SUP $28.82$35.442026-05-042026-06-172026-08-042026-09-182026-11-03
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

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

Reverse-DCF Expectations Hurdle
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

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% +5.29% $1.00B Benchmark Subject
EQBK
Equity Bancshares Inc. (Class A)
D+ 56/100 44.5x — 3.1% +2.61% $1.00B /eqbk-vs-sbsi →
EGBN
Eagle Bancorp Inc.
D+ 54/100 — — -12.2% +2.67% $1.01B /egbn-vs-sbsi →
MCBS
MetroCity Bankshares Inc.
C 62/100 15.1x — 12.6% +2.34% $1.03B /mcbs-vs-sbsi →
MBWM
Mercantile Bank Corporation
D+ 56/100 11.8x — 12.2% +2.32% $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?

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 $35.44 (+5.29% 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.

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).

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.

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

SBSI last traded at $35.44 (+5.29% on volume of 297,122 shares), positioning the stock +12.79% above its 50-day simple moving average ($31.42) and +9.32% above its 200-day simple moving average ($32.42). Across its 52-week range of $27.59 to $36.20, SBSI sits at the 91.2% percentile with a 14-day RSI of 71.9 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.5% ($33.85 to $37.03).

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) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

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

Southside Bancshares Inc. (SBSI) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $35.44 (+5.29% 1D, market capitalization $1.00B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 8.2%, gross margin of —, operating margin of —, and free cash flow yield of 7.40%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

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.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Southside Bancshares Inc. (SBSI) reported $3.58B in annual revenue (up from $3.58B in FY2024, -0.0% YoY) and $69.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($390.1M revenue, $86.7M net income) through FY2025, SBSI scaled operating cash flow to $93.8M and free cash flow to $73.5M, backed by $8.51B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.40% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $27.59 – $36.20 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.3x trailing P/E against — operating margins and a 1.00x macro beta.

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: Can SBSI sustain or expand its — operating margin and 8.2% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $3.58B and free cash flow of $73.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SBSI's 13.3x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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

SBSI Bull vs. Bear Conversation Board — What's Your Call at $35.44?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SBSI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SBSI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
TA TapeReader_Pro RQD DEBATE OPENER • 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 RQD DEBATE OPENER • 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.

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