NYSE: SBSI · Regional Banks
Southside Bancshares (SBSI) fair value: undervalued or overvalued?
As of 3 Oct 2026, Faircurve's model values Southside Bancshares (SBSI) at $35.80 a share. The stock last closed at $30.73, which puts the model's fair value 16.5% above the price. On the model's bands that reads as Undervalued.
Revalued . Price is the close of 2 Oct 2026. Southside Bancshares, Inc.
Faircurve Insights · 3 Oct 2026
Southside Bancshares, Inc. functions as the holding company for its subsidiary, Southside Bank, which delivers a comprehensive suite of financial solutions to diverse clients, including individual consumers, commercial enterprises, and governmental bodies.
On 3 Oct 2026, Faircurve's model gave a fair value of $35.80 a share, the midpoint of 2,000 simulations. The previous run, on 26 Sep 2026, gave $35.64, and the fair value moved +0.4%. The calibrated range over 63 trading days was $29.87 to $43.40, built from the fair value. Ranges built this way held the price 60% of the time at this horizon, and the model's evidence grade was High.
The model compares Southside Bancshares, Inc. with Hanmi Financial Corporation (HAFC), Central Pacific Financial Corp. (CPF), Capitol Federal Financial, Inc. (CFFN), Heritage Financial Corporation (HFWA), Preferred Bank (PFBC), and Westamerica Bancorporation (WABC). Around the last 8 earnings reports, measured from the close before each report to the close after it, the moves were: 24 Jul 2026 -4.8%, 30 Apr 2026 +5.4%, 29 Jan 2026 -0.3%, 24 Oct 2025 +1.2%, 25 Jul 2025 -0.2%, 29 Apr 2025 +4.5%, 29 Jan 2025 -3.9%, and 24 Oct 2024 -3.2%.
Written from the figures on this page for the 3 Oct 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give SBSI?
The calibrated range for SBSI over 63 trading days is $29.87 to $43.40. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,809 past valuations, refreshed 3 Oct 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $31.79 to $39.97. In 87% of the simulations the fair value came out above the price the model ran on.
How does SBSI compare with similar companies?
The companies in regional banks closest to Southside Bancshares in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| HAFC Hanmi Financial Corporation | $31.67 | $39.51 | +24.8% | Undervalued |
| TRST TrustCo Bank Corp NY | $55.69 | $45.67 | -18.0% | Low evidence grade |
| CPF Central Pacific Financial Corp. | $36.42 | $40.20 | +10.4% | Undervalued |
| EGBN Eagle Bancorp, Inc. | $28.38 | $27.18 | -4.2% | Low evidence grade |
| CFFN Capitol Federal Financial, Inc. | $8.58 | $8.51 | -0.8% | Fairly valued |
| HFWA Heritage Financial Corporation | $28.14 | $19.90 | -29.3% | Overvalued |
| PFBC Preferred Bank | $106.48 | $140.45 | +31.9% | Undervalued |
| WABC Westamerica Bancorporation | $59.60 | $62.81 | +5.4% | Fairly valued |
When does SBSI report earnings, and how has the stock reacted?
Southside Bancshares's next earnings report is scheduled for 23 Oct 2026. Companies can move their dates.
How SBSI moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 3.5%.
| Report date | Two session move |
|---|---|
| 24 Jul 2026 | -4.8% |
| 30 Apr 2026 | +5.4% |
| 29 Jan 2026 | -0.3% |
| 24 Oct 2025 | +1.2% |
| 25 Jul 2025 | -0.2% |
| 29 Apr 2025 | +4.5% |
| 29 Jan 2025 | -3.9% |
| 24 Oct 2024 | -3.2% |
Southside Bancshares at a glance
Southside Bancshares, Inc. functions as the holding company for its subsidiary, Southside Bank, which delivers a comprehensive suite of financial solutions to diverse clients, including individual consumers, commercial enterprises, governmental bodies, and.
- Market value
- $914M
- Sector
- Financial Services
- Industry
- Regional Banks
- Consensus revenue growth, next fiscal year
- -30.4%
- Analysts with estimates
- 4
- Beta to the US market
- 0.55
- First valued by Faircurve
- 11 Jul 2026
How the fair value is worked out: the model prices Southside Bancshares on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 26 Sep 2026 the model's fair value for SBSI was $35.64. As of 3 Oct 2026 it is $35.80, a change of +0.4%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Southside Bancshares's valuation
Is Southside Bancshares stock undervalued or overvalued?
On Faircurve's model, SBSI reads as Undervalued as of 3 Oct 2026. The model's fair value is $35.80 a share against a last close of $30.73, a gap of +16.5%.
What is SBSI's fair value?
$35.80 a share as of 3 Oct 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $31.79 to $39.97.
What price range does the model give SBSI?
$29.87 to $43.40 over 63 trading days. Ranges built this way held the price 60% of the time across 4,809 past valuations, refreshed 3 Oct 2026.
When does Southside Bancshares report earnings next?
The next report is scheduled for 23 Oct 2026. Companies can move their dates.
How much has SBSI moved on past earnings reports?
Across its last 8 reports the median two session move was 3.5%, ignoring direction. The largest was +5.4% around the report of 30 Apr 2026.
How confident is the model in this valuation?
The model's evidence grade for SBSI is high. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.