SBSI PEER ANALYSIS

Southside Bancshares, Inc. — metric-by-metric comparison with peers and the industry median

SBSISouthside Bancshares, Inc.

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

SBSIIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SBSI	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
P/E	14.53	21.63	13.24	116.70	9.10	2.96●	12.88
P/B	1.21	3.42	1.39	0.68●	1.40	0.71	1.28
EV/EBITDA	13.86	2.96	14.73	306.43	-8.48●	2.20	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SBSI	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Current Ratio	0.16	—	0.12	0.01	0.25●	—	0.31
Debt/Equity	104.5%	0.0%●	209.8%	744.5%	17.0%	0.0%●	38.0%
NetDebt/EBITDA	6.14	-13.41	5.39	280.57	-14.68●	-0.47	-0.58

Profitability
Metric	SBSI	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Net Margin	15.8%	14.2%	25.9%	1.4%	20.1%	54.9%●	20.6%
ROE	8.5%	17.5%	10.6%	1.0%	14.9%	27.4%●	10.9%
ROA	0.8%	1.2%	0.5%	0.1%	0.8%	3.7%●	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SBSI	SKBNK	LLOY	LB	NWG	TSKB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-19.8%	8.1%	16.2%●	-80.9%	16.0%	-1.3%	19.4%
Div. Yield	4.0%	—	3.2%	4.7%	4.8%●	—	2.5%
Payout	60.8%	—	—	335.1%	—	—	31.4%

Valuation
Metric	SBSI	FSBC	ESQ	MCBS	AMTB	MCB	Ind. Median
P/E	14.53	15.52	20.29	13.97	16.33	12.12●	12.88
P/B	1.21	2.27	3.48	1.88	1.13	1.10●	1.28
EV/EBITDA	13.86	5.19●	—	11.22	23.85	9.53	9.31
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SBSI	FSBC	ESQ	MCBS	AMTB	MCB	Ind. Median
Current Ratio	0.16	0.14	0.23	134.88●	3.17	—	0.31
Debt/Equity	104.5%	18.7%	—	79.3%	103.2%	3.9%●	38.0%
NetDebt/EBITDA	6.14	-6.05●	—	0.40	10.95	0.22	-0.58

Profitability
Metric	SBSI	FSBC	ESQ	MCBS	AMTB	MCB	Ind. Median
Net Margin	15.8%	25.2%	30.0%●	29.7%	9.9%	15.9%	20.6%
ROE	8.5%	15.5%	18.7%●	15.2%	7.0%	10.2%	10.9%
ROA	0.8%	1.4%	2.4%●	1.8%	0.6%	1.0%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	SBSI	FSBC	ESQ	MCBS	AMTB	MCB	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	-19.8%	39.4%●	14.8%	12.9%	—	28.9%	19.4%
Div. Yield	4.0%●	1.8%	0.6%	2.7%	1.4%	0.5%	2.5%
Payout	60.8%	27.1%	11.8%	35.1%	23.5%	6.0%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.